Job Description

Loan eligibility and terms are determined by the mortgage underwriter following established policies. The first step in becoming a mortgage underwriter is to complete Mortgage Underwriter I, where you will learn the fundamentals of underwriting conventional loans in accordance with agency rules and portfolio loans in accordance with bank guidelines. Mortgage underwriters require a wide range of skills and knowledge to fulfill their role effectively, and they must rely on established processes and clear guidelines from management. The Mortgage Support Manager is their immediate superior.

Job Title : Mortgage Underwriter – F/T – P/T
Location : Khor Fakkan, Sharjah, United Arab Emirates
Salary : $ 34.21 per hour.
Company : American Axle & Manufacturing Holdings, Inc.
Job Type : Full-Time

Qualifications:

• Help prevent, investigate, and resolve mortgage fraud by maintaining a firm grasp on the regulations that apply to loan products and the industry as a whole.
• Providing exceptional customer service is essential to meeting the needs of each individual customer and gaining their continued business (internally and externally).
• Review each borrower’s financial history, income, and assets to determine their unique level of risk, and provide underwriting recommendations to Mortgage Originators as quickly as possible.
• While managing and maintaining the Bank’s appraisal portal, communicate with appraisers about any corrections or modifications and any additional information.
• Inspect the property’s documentation thoroughly, including title commitments, sales agreements, insurance policies, and flood maps.
• Oversees the maintenance of all product guides for the portfolio. Makes suggestions for updating the product portfolio guides as required.
• Demonstrate the ability to independently make sound decisions based on the credit worthiness of the applicants based on established underwriting guidelines, Bank policies, procedures, knowledge and experience.
• Examine and evaluate the value of the appraisals as well as their adherence to the standards set by the sector.
• Examine loan applications in accordance with investor and agency standards, including but not limited to portfolio goods.
• Work with other teams to update regulations or the secondary market, and to train them in condo evaluations, income analysis, and asset valuation.

Skills:

• There needs to be an atmosphere of mutual respect at work, and all employees must be able to communicate with clients and coworkers in a way that fosters that.
• proficiency at using computers and a willingness to learn new software.
• strong communication abilities both in writing and speaking
• Education plus 1-3 years of relevant work experience in mortgage underwriting is preferred.
• earning 64 credits in a business or trade school equivalent to a two-year degree.

How to Apply

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Job Categories: Mortgage Underwriter. Job Types: Full-Time.

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