JOB TITLE: Due Diligence Underwriter
LOCATION: Chennai
SHIFT TIMING: Must be open for Night Shift
POSITION TYPE: Full-Time
Experience Range: 1 - 8 years
Job description A Mortgage Underwriter plays a crucial role in the mortgage lending process by assessing the creditworthiness and risk profile of potential borrowers. The position involves analyzing financial information, reviewing loan applications, and making informed decisions to approve, conditionally approve, or deny mortgage loans. This role ensures that all loans meet the company's lending standards and regulatory requirements.
Key Responsibilities:
Loan Application Review:
Analyse and verify loan applications, ensuring all required documents are complete and accurate. Assess the borrower's credit history, employment, income, and debt levels. Confirm the property's value through appraisal reports.Credit and Financial Analysis:
Evaluate credit reports to determine the borrower's creditworthiness. Analyse financial statements, tax returns, pay stubs, and other income documentation. Calculate debt-to-income (DTI) ratios and loan-to-value (LTV) ratios.Property Valuation Review:
Review appraisals and alternative value products for conformity to client-specified requirements to assess the accuracy of the property valuation.Compliance and Risk Assessment:
Ensure loans comply with all federal, state, and local regulations. Adhere to company policies and guidelines. Identify potential risks and assess the overall risk level of the loan.Essential skills and requirements:
Any bachelor's degree. Proven experience in mortgage processing or underwriting. Strong knowledge of mortgage industry regulations and procedures. Excellent analytical and problem-solving skills. Detail-oriented with exceptional organizational abilities. Proficiency in using mortgage processing software and financial tools. Effective communication and interpersonal skills. Ability to work efficiently under pressure and meet tight deadlines. Solid understanding of financial statements and credit reports. Certification in mortgage underwriting or related fields is a plus. Read LessSeeking a skilled Test Engineer with a strong background in SAP ECC, SAP
Commissions (Callidus)/SAP Success factor incentive management having 4-5 years
of experience. The ideal candidate will have hands-on experience validating business
processes across SAP modules and integrations, with a solid understanding of SAP system
landscapes and the ability to design and implement the integrations and data flows.
• Perform end-to-end functional, integration, and regression testing across SAP
ECC modules and Commissions system.
• Validate data integrity and business rules in commission processing, crediting,
and payouts.
• Test interfaces and data flows between SAP ECC, SAP Commissions, and external
systems.
• Perform API testing and payload validation (JSON/XML) for SAP and third-party
integrations.
• Capable to Design, develop, and test scenarios for SAP ECC and SAP
Commissions scenarios
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