Senior Analyst
- NLB Services
- 3 - 6 years
- Noida, Gurugram
- 13 days ago
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Job Description
We are seeking a highly analytical and experienced Senior Mortgage Analyst to join our Residential Mortgage Operations team. The ideal candidate will bring in-depth knowledge of income calculation, loan eligibility assessments, and government-backed and conventional loan programs, including FHA, VA, USDA, and Bond loans. You will play a critical role in ensuring the accuracy and compliance of mortgage loan reviews in accordance with agency and investor guidelines.
Key Responsibilities:
- Analyze and underwrite residential mortgage loan files, ensuring compliance with agency and investor guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA, Bond programs).
- Perform detailed income analysis for various borrower types (W-2, self-employed, commission-based, rental income, etc.), including complex tax return evaluations.
- Review complete loan packages for creditworthiness, collateral evaluation, and documentation integrity.
- Maintain up-to-date knowledge of all relevant lending guidelines and overlays (e.g., DU/LP findings, FHA Handbook, VA Lenders Handbook).
- Assist in structuring loans that meet borrower needs while complying with product and regulatory requirements.
- Act as a subject matter expert and mentor for junior underwriters and analysts.
- Communicate effectively with internal stakeholders (loan officers, processors, QC teams) to resolve issues and close loans efficiently.
- Ensure adherence to federal and state lending regulations, including RESPA, TRID, and HMDA.
- Participate in periodic audits, internal process reviews, and contribute to operational improvement initiatives.
Qualifications:
- Bachelors degree in Finance, Business, Economics, or a related field. Equivalent work experience may be considered.
- 3+ years of experience in residential mortgage underwriting or analysis.
- Deep understanding of conventional loan programs and government-insured loans (FHA, VA, USDA, Bond).
- Strong expertise in income analysis and cash flow evaluations from personal and business tax returns (Schedule C, E, K-1, etc.).
- Familiarity with AUS systems (DU, LP) and Loan Origination Systems (LOS) like Encompass, Calyx Point, or equivalent.
- Knowledge of compliance regulations and investor guidelines.
- Strong attention to detail and ability to work under tight deadlines.
- Excellent verbal and written communication skills.
Job Classification
Industry: IT Services & ConsultingFunctional Area / Department: BFSI, Investments & TradingRole Category: LendingRole: Credit AnalystEmployement Type: Full timeContact Details:
Company: NLB Services Location(s): Noida, Gurugram
Keyskills: Residential Mortgage Us Residential Mortgage Underwriting Bonds US Mortgage Income Calculation Va USDA FHA
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