Underwriter

As an Underwriter at ThoughtFocus, you will play a crucial role in evaluating and analyzing risks, reviewing insurance applications, and assessing coverage to determine conditions and terms of insurance policies. Your responsibilities will include conducting detailed research, preparing reports, and maintaining accurate records to support effective underwriting decisions. Collaboration with team members will be essential to ensure precise outcomes. You will be expected to assess the 4Cs - Credit, Capacity, Capital, and Collateral - documentation to determine loan eligibility in alignment with Fannie/Freddie and client protocols. For Credit assessment, you will scrutinize Credit Reports for Borrower identification, SSN validation, Credit Score, Public Records, recent Inquiries, Address Consistency within the last 24 months, and Additional SSN verification. Additionally, you will review liabilities, checking for mortgage delinquencies within the past 12 months. Assessing Capital involves gauging the Borrower's financial robustness by verifying asset statements and calculating assets. Collateral review includes examining appraisal reports to finalize decision-making processes. Your success will be measured by your ability to consistently achieve exceptional CSAT scores and other customer satisfaction indicators. It will be crucial to maintain strict adherence to regulatory compliance standards and strive for exemplary quality scores. Meeting and exceeding process-specific metrics while complying with SOPs will be key to your role. Additionally, you will be expected to adhere to schedules diligently to effectively meet operational timelines. Join us at ThoughtFocus in Mysore for this full-time on-site opportunity and contribute to our commitment to innovation and operational excellence in the financial services sector.,