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Title
Text copied to clipboard!Mortgage Examiner
Description
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We are looking for a highly detail-oriented and results-driven Mortgage Examiner to join our financial team. The ideal candidate will be responsible for reviewing, analyzing, and evaluating mortgage loan applications to ensure compliance with internal policies and government regulations. This role is critical in ensuring that approved loans are financially sound and that risks are properly mitigated.
The Mortgage Examiner will work closely with loan officers, real estate agents, appraisers, and other industry professionals to collect and verify necessary documentation. They will also be responsible for identifying potential fraud, inconsistencies, or errors in applications, and for recommending approval, modification, or denial of loans.
In addition, the ideal candidate should have a strong understanding of mortgage laws, banking regulations, and underwriting practices. Previous experience in financial institutions is highly valued, along with strong analytical, communication, and decision-making skills.
This position requires great attention to detail, organizational skills, and the ability to work under pressure to meet tight deadlines. If you are passionate about financial analysis and want to contribute to the stability of the mortgage market, this is an excellent opportunity for you.
Responsibilities
Text copied to clipboard!- Review and analyze mortgage loan applications.
- Verify applicant financial documentation.
- Assess repayment ability and credit risk.
- Ensure compliance with internal policies and external regulations.
- Collaborate with loan officers and other departments.
- Detect potential fraud or inconsistencies in information.
- Recommend approval, modification, or denial of applications.
- Maintain accurate and updated records.
- Participate in internal and external audits.
- Stay updated on changes in mortgage laws and regulations.
Requirements
Text copied to clipboard!- Bachelor’s degree in Finance, Accounting, or related field.
- Previous experience in mortgage or financial analysis.
- Knowledge of mortgage and banking regulations.
- Ability to analyze financial statements and credit reports.
- Excellent verbal and written communication skills.
- Ability to work under pressure and meet deadlines.
- Proficiency in financial software and tools.
- Attention to detail and critical thinking.
- Integrity and professional ethics.
- Ability to work independently and as part of a team.
Potential interview questions
Text copied to clipboard!- How much experience do you have in mortgage loan analysis?
- Are you familiar with local mortgage regulations?
- How do you handle inconsistencies in a loan application?
- What tools do you use to assess an applicant’s repayment ability?
- Have you worked with loan officers before?
- How do you stay updated on regulatory changes?
- What would you do if you suspect fraud in an application?
- Are you comfortable working under pressure and tight deadlines?
- What financial software have you used?
- Do you prefer working independently or in a team?
