Analyst (Non Voice)

Job description

Analyst (Non-Voice) United States Analyst (Non-Voice) San Antonio, Texas Job Summary We are currently seeking talented Consumer Lending Underwriters with a minimum of 2 to 3 years of experience specifically in Consumer loan Underwriting. This is a Chat based Back-office process, where the borrowers/agents would contact the analyst requesting a decision on a Consumer Loan product offered by the client The process involves Underwriting for Secured and Unsecured loans which involves a detailed study of the borrower’s credit standing, credit worthiness and capacity to pay. A detailed investigative analysis of the borrower’s credit report along with evaluation of income would be required to take a decision on the loan. Responsibilities: • Candidates shall be responsible for rendering decisions on loan applications based on established criteria and determine risk associated with borrower based on profile and parameters. • Communicate decisions that most effectively mitigate credit risks, including data integrity and validity of information submitted. • Review borrowers credit reports to ascertain the credibility with respect to honouring payment obligations and evaluate any credit red flags like delinquencies, charge offs, or bankruptcies. • Evaluate and verify income documents like Pay stubs, W2’s, and IRS Tax return documents to determine whether borrower has the capacity to repay the loan based on a complete evaluation and verification of the borrower’s income. • Post evaluation and assessment of the degree of risk, document the reasons for approval or denial of the loan and add the documentation to the loan file. • Works under moderate supervision; acquires and applies maturing knowledge of the business, its products, and processes.