Mortgage Loan Underwriter

About HCLTech HCLTech is a global technology company, spread across 60 countries, delivering industry-leading capabilities centered around digital, engineering, cloud and AI, powered by a broad portfolio of technology services and products. We work with clients across all major verticals, providing industry solutions for Financial Services, Manufacturing, Life Sciences and Healthcare, Technology and Services, Telecom and Media, Retail and CPG, and Public Services. We re powered by our people a global, diverse, multi-generational talent - representing 161 nationalities whose unique spark, perspective and boundless passion drive our culture of proactive value creation and problem-solving. Our purpose is to bring together the best of technology and our people to supercharge progress for everyone, everywhere our clients, partners, their stakeholders, communities, and the planet.

As a company, we are deeply focused on accelerating our ESG agenda. We are also creating technology-enabled sustainable solutions with and for our clients and partners. We embed ESG imperatives into every aspect of our business and ensure that the progress we supercharge is responsible, inclusive and beneficial to all our stakeholders in the long term. We have committed to achieving net zero by 2040.

A high number of candidates may make applications for this position, so make sure to send your CV and application through as soon as possible. To learn more about how we can supercharge progress for you, visit Underwriter  Hybrid - Westlake Village, CA 3 YEARS OF MORTGAGE UNDERWRITING EXPERIENCE REQUIRED As a Senior Mortgage Loan Underwriter, for one of our client projects, you will bring your practical experience underwriting residential mortgage loans in accordance with GSE and internal guidelines ensuring compliance with company and investor standards. You have current, in-depth knowledge of Fannie Mae and Freddie Mac lending guidelines and understand how those relate to internal and investor guidelines. You have a thorough knowledge of complex personal and business financial analysis and expertise in tax return and balance sheet analysis.

You can make timely, accurate decisions on all loan transactions. Essential Functions/Duties: o Completes a thorough analysis of loan files to determine compliance with investor o Evaluates the entire credit package and collateral for residential mortgage loans and ultimately ensures an investment quality loan product and creditworthiness of the borrowers and acceptability of the collateral. Identifies potential quality loans to be held in portfolio if secondary market guidelines cannot be met. o Verifies the accuracy of all calculations. o Maintains a working knowledge of secondary market underwriting guidelines, private investor and private mortgage insurance guidelines. o Assists with maintaining compliance with all applicable federal, state and local laws, regulations and ordinances by abiding by compliance program and all policies, procedures, rules and regulations. o Assists in the development of underwriting standards. o Helps loan processors, giving general guideline interpretations and answering questions on specific loan files. o Responds to post closing review and quality control audits in a timely fashion. o Multi-tasking, high volume, available to be flexible and work weekends as needed. Preferred Education & Experience: o 3-5 years of Processing experience and 5+ years of Underwriting experience o Excellent organization and analytical skills required. o Excellent written and communication skills required. o High School Diploma or GED equivalent required, some college preferred, College degree desired. o Intermediate to computer proficiency skills with MS Office, Excel and Mortgage Loan Applications/Software) Encompass 360 desired. o Ability to multi-task, prioritize and function in a high-volume, fast-paced environment. xrczosw o Adaptability and acceptance to change.

Experience

3-5 years of Processing experience 5+ years of Underwriting experience Education: o High school or equivalent (Required)