4 Income Calculations Jobs

The primary responsibility of an Underwriter is to review mortgage files submitted for underwriting. This role involves tasks such as calculating income, analyzing debt and assets, and conducting a thorough review of appraisals and titles. Additionally, you will be required to input data into the client's loan operating system, use automated underwriting systems for approvals, and clear conditions for Final Approval. It is crucial for candidates to exhibit a strong sense of urgency, work effectively in a team setting, and possess excellent organizational, communication, and PC skills. Your essential job functions will include conducting comprehensive reviews of mortgage loan files, ensuring accurate data entry into the loan operating system, underwriting loans based on client guidelines, evaluating loan documents for accuracy and compliance, identifying and addressing any red flags, issuing loan decisions, approving conditions, delivering exceptional customer service, staying updated on client and investor requirements, resolving underwriting-related issues, and assisting Processors/Loan Officers in understanding underwriting decisions and conditions. You must be capable of managing a high-stress environment while maintaining a high level of customer service and be willing to work beyond regular hours when needed. To qualify for this role, you must have a minimum of 2+ years of current conventional mortgage loan underwriting experience, a strong understanding of income calculations, tax returns, credit reports, and red flag identification, basic knowledge of appraisals and property eligibility, familiarity with GSE underwriting guidelines and automated underwriting engines, strong analytical and communication skills, attention to detail, effective time management skills, adaptability to a production-oriented environment, willingness to collaborate in a team, proficiency in working across multiple systems in a paperless setup, readiness to work in a secure environment, and preference for NMLS-MLO Licensure. Candidates should also be prepared to work outside of regular business hours as required.,

As a skilled U.K. Mortgage Underwriter at one of the Top MNCs, your expertise in the 4 Cs of underwriting (Credit, Capacity, Collateral, and Capital) will be crucial. Your responsibilities will include reviewing, analyzing, and making decisions on mortgage applications while ensuring compliance with underwriting guidelines and regulatory standards. Your ability to assess risk, income, and property values accurately will be essential for sound decision-making. You will be working afternoon shifts in the U.K. for 5 days a week. Your key responsibilities will involve evaluating borrowers based on the 4 Cs of underwriting, conducting risk assessments, and maintaining high-quality underwriting standards to meet federal, state, and investor regulations. Collaboration with loan officers, processors, and other stakeholders will be key to streamline the underwriting process effectively. To excel in this role, you are required to have a minimum of 2 years of experience in mortgage underwriting, preferably in U.S. or U.K. or global residential loans. Strong attention to detail and analytical skills are essential for accurate assessment of financial documents and property risks. Additionally, your communication skills will play a vital role in effectively conveying underwriting decisions to internal teams and external stakeholders.,

The QA - Underwriting position at our company is a Level 3 role that involves reviewing mortgage files submitted for underwriting. As an Underwriter, your main responsibilities will include assessing income, analyzing debt and assets, and conducting a thorough review of appraisals and titles. You will also be responsible for data entry into the loan operating system, utilizing automated underwriting systems for approvals, and addressing conditions for Final Approval. The ideal candidate must demonstrate a strong sense of urgency, work effectively in a team setting, and possess excellent organizational, communication, and PC skills. Key Responsibilities: - Conduct comprehensive reviews of mortgage loan files, covering income, assets, credit, and collateral - Ensure accurate data entry in the loan operating system - Underwrite loans in adherence to client guidelines, using AUS or manual guidelines - Verify the accuracy, completeness, and compliance of all loan documents - Identify and address any red flags or issues - Make loan decisions and set conditions accordingly - Review and approve conditions for loan file completion - Provide exceptional customer service to both internal and external clients - Stay updated on client and investor requirements - Resolve underwriting-related pre and post-closing matters - Assist Processors/Loan Officers in interpreting underwriting decisions and conditions - Handle high-stress situations while delivering top-notch customer service - Willingness to work beyond standard hours when required Requirements: - At least 2 years of current conventional mortgage loan underwriting experience - Proficient in income calculations, tax returns, credit report analysis, and red flag identification - Basic knowledge of appraisals and ability to spot red flags and ineligible properties - Familiarity with GSE underwriting guidelines and automated underwriting engines (DU/LP) - Strong analytical, interpersonal, and verbal/written communication skills - Detail-oriented with excellent time management abilities - Comfortable working in a dynamic, production-driven environment - Team player with the capability to work across multiple systems in a paperless setup - Willingness to operate in a high-security environment - NMLS-MLO Licensure preferred - Availability to work outside regular business hours as necessary If you are interested in this opportunity, please submit your resume to Elizebeth.Gullanki@mycloudxtreme.com. We look forward to hearing from qualified candidates who meet the specified requirements.,

We are seeking an experienced Mortgage Trainer to manage multiple training requirements, implement them, and measure their impact. A successful candidate will be passionate about learning and excited about the prospect of leading by example. Mandatory Experience: Training US Mortgage Underwriting / Pre-Underwriting Income Calculations Loan Origination Credit Report Job Responsibilities & Requirements: Past mortgage originations experience to design, develop, and deliver training with two or more years of experience Must have excellent presentation skills Evaluating individual and organizational performance to ensure training is meeting business needs and improving performance Identifying training needs by consulting with business stakeholders and using needs assessments Developing and delivering training solutions that meet business needs Optimizing training processes for efficiency Manage supply chain in terms of planning, organizing, ensuring high conversion and retention from onboarding new hires till handover to business Exhibit agility in both method and approach to accommodate planned and ad hoc requirements of the business Competency Requirement (with desired proficiency level): Communication Skills (Oral and Written): Advanced Mortgage Domain: Expert Evaluating Others: Advanced Facilitation Skills: Advanced Instructional Design: Intermediate People Management: Advanced Employee Engagement: Advanced Stakeholder Management: Advanced Excel Skills: Intermediate Flexibility, Integrity and Accountability: Expert Additional Requirement: Graduate in any field Experience/certification in mortgage industry with expertise in loan processing & initial underwriting in US Residential Mortgage