Company Description

WNS (Holdings) Limited (NYSE: WNS), is a leading Business Process Management (BPM) company. We combine our deep industry knowledge with technology and analytics expertise to co-create innovative, digital-led transformational solutions with clients across 10 industries. We enable businesses in Travel, Insurance, Banking and Financial Services, Manufacturing, Retail and Consumer Packaged Goods, Shipping and Logistics, Healthcare, and Utilities to re-imagine their digital future and transform their outcomes with operational excellence.We deliver an entire spectrum of BPM services in finance and accounting, procurement, customer interaction services and human resources leveraging collaborative models that are tailored to address the unique business challenges of each client. We co-create and execute the future vision of 400+ clients with the help of our 44,000+ employees.

Job Description

Full Job DescriptionPosition Summary:The Mortgage underwriting associate evaluate and determine the eligibility of loan applications of residential mortgage (1-4 family) loans. Mortgage underwriting associate role includes but not limited to analyzing and verifying loan applications, review of all 4 C's, evaluating risks, and making loan eligibility decisions.The incumbent ensures the accurate, efficient, and timely flow of information/documentation for offering quality and efficient services.Responsibilities:

Knowledge of mortgage underwriting and Agency automated underwriting systems
Demonstrate a full understanding of agency guidelines as well as posted Lender internal guidelines
Review all mortgage applications and documentation for accuracy and completeness
Review and be able to complete a full analysis of all types of income (Self/Rental/Wage/etc), Assets, Liabilities, Credit and Collateral.
Analyze credit, income, and assets on a loan-by-loan basis to properly assess individual risk, and promptly provide underwriting decisions to Mortgage Originators
Review property documentation including title commitments, sales contracts, insurance, and flood determinations
Maintain a well-developed knowledge of loan product guidelines and industry regulations, including assisting in the prevention, detection, and resolution of mortgage fraud
Review and analyze appraisals for value and compliance with industry requirements
Demonstrate the ability to independently make sound decisions based on the creditworthiness of the applicants based on established underwriting guidelines, policies, procedures, knowledge, and experience
Provide exceptional customer care (both internal and external) in a manner that satisfies the individual needs of each customer and builds loyalty to the client
Maintain confidentiality of all customer and employee information
Respond positively to feedback and redirection
Fully utilize systems, tools, training, and resources provided to maximize potential
Assist other departments as needed
Meeting daily production.
Meeting the daily SLA requirement
Meeting the daily Quality requirements

Qualifications

Qualifications Education: Bachelors in any stream.Experience: 2+ years increasingly responsible experience in related areas.Knowledge/Skills/Abilities:

Experienced mortgage professional with 2-3 years with mortgage underwriting.
Has a complete understanding of Conventional, FHA and VA underwriting guidelines.
Has working knowledge of real estate lending criteria and federal, state, and agency compliance
Can multi-task and manage time efficiently
Has strong organizational skills, attention to detail, and basic Microsoft Office skills
Good analytical and problem-solving skills.
Strong organization and verbal and written communications skills.
Highly adaptive and open to changes as the organization grows and its needs evolve.

Lead Associate - Operations