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Title
Text copied to clipboard!Mortgage Loan Underwriter
Description
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We are looking for a Mortgage Loan Underwriter. The Mortgage Loan Underwriter plays a critical role in evaluating and approving mortgage loan applications for individuals and families seeking to purchase a home. This position involves analyzing applicants' credit history, income, employment status, and debt obligations to determine loan eligibility.
The underwriter must ensure compliance with financial institution guidelines and legal regulations while conducting accurate and timely assessments. Strong decision-making skills are essential to minimize default risks and ensure responsible lending. Communication with clients is also key, as the underwriter may need to request additional documentation or explain the outcome of the loan review.
Staying informed about market trends, interest rate changes, and regulatory updates is crucial for success in this role. Collaboration with sales representatives, real estate agents, and legal departments is necessary to maintain a smooth loan approval process.
This role is ideal for individuals looking to build a career in the financial industry and who possess strong analytical and judgment skills. We welcome candidates who are detail-oriented and responsible.
Responsibilities
Text copied to clipboard!- Review and evaluate mortgage loan applications
- Verify applicants' credit history and income
- Make and document loan approval or denial decisions
- Ensure compliance with laws and internal guidelines
- Conduct risk analysis to prevent loan defaults
- Collaborate with sales and other departments
- Communicate loan decisions to clients
- Request additional documentation when necessary
- Propose improvements to the underwriting process
- Stay updated on market and regulatory changes
Requirements
Text copied to clipboard!- Experience in the financial industry, especially in lending
- Strong analytical and decision-making skills
- Excellent communication abilities
- Knowledge of financial laws and regulations
- Proficiency in PC tools (Excel, underwriting systems)
- Attention to detail
- Teamwork experience
- Customer service experience is a plus
- Bachelor’s degree (preferably in finance or economics)
- Business-level reading and writing skills in Japanese
Potential interview questions
Text copied to clipboard!- Do you have experience in mortgage loan underwriting?
- Are you confident in analyzing credit information?
- What financial products have you worked with?
- Tell us about your experience working in a team.
- What is your view on the importance of compliance?
- Describe a difficult customer interaction and how you handled it.
- What systems or tools have you used for underwriting?
- Do you have experience in risk analysis?
- How do you stay updated on financial knowledge?
- Why are you interested in this position?
