Job Roles and Responsibilities:

• Review and analyse the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors.

• Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor and the company.

• Knowledge of Lending & Underwriting Guidelines | Credit & Income Analysis | Cash Flow Analysis | Risk Assessment | Loan-to-Value Ratios | Debt-to-Income Ratios

• Review Initial application - Verify loan, property, borrowers’ information with other available documents - Verify borrower's monthly income and expenses - Verify other relevant sections. • Review all the documents related to borrower’s Credit, Capacity, Collateral and Capital.

• Calculate asset required for closing and reserve purpose for the transaction (as per guideline)

• Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines.

• Provides final approval underwriting of mortgage loans.

• Completes all required paperwork and forms in a timely and accurate manner; prepares required forms.

• Sign off conditions in a timely manner set by management.

• Work with staff and management to find solutions on escalated loans.

• May be requested to make recommendations for improving Internal Audit’s policies and practices.

• Manage loans by using all functions of Encompass.

• Effectively communicate underwriting decisions with processors and advisors

• Maintain high level of customer service and communication with other departments.

• Other duties as assigned.