SME-Loan Originations - Residential Mortgage Live Underwriting

SME-Loan Originations - Residential Mortgage Live Underwriting

Job Summary

Serve as a subject matter expert in loan originations applying strong knowledge of mortgage processes and underwriting principles to optimize workflows and data accuracy. Use advanced MS Excel capabilities to analyze loan portfolios support night shift operations and ensure consistent high quality decisions that strengthen organizational performance and contribute to responsible lending practices in society.

Responsibilities

• Deliver deep domain expertise in loan originations by analyzing end to end application data and documenting insights that improve credit decision quality and operational efficiency
• Provide detailed portfolio and pipeline analysis using advanced MS Excel functions to identify data patterns risks and opportunities for process optimization
• Execute thorough review of loan files against defined credit policies and regulatory standards to support accurate and compliant underwriting outcomes
• Coordinate closely with cross functional operations and credit teams in the office during night shift to ensure smooth handoffs and timely closure of loan origination activities
• Monitor data quality in source systems by validating key fields such as income collateral and repayment indicators and then recommending corrective actions to maintain integrity
• Develop reusable Excel templates trackers and dashboards that standardize reporting and give stakeholders clear visibility into workflow status and performance metrics
• Conduct root cause analysis on exceptions and declined cases to uncover systemic issues and propose practical enhancements that reduce cycle time and rework
• Prepare concise yet comprehensive documentation and procedural guides that enable consistent execution of loan origination steps by peers and support personnel
• Collaborate with risk and compliance partners to interpret changing guidelines and translate them into operational checks that support responsible lending and customer fairness
• Support continuous improvement initiatives by testing new tools or rule changes in controlled scenarios and summarizing impacts on quality productivity and customer outcomes
• Guide colleagues by sharing practical insights on underwriting considerations in mortgage and other secured products while remaining focused on policy aligned decisions
• Assist in planning and balancing workload for night shift operations by tracking inflow and capacity metrics so that service levels and business commitments are consistently met
• Participate in reviews and calibration discussions that refine decision frameworks and align loan origination practices with the organizations mission of sustainable credit access

Qualifications

• Demonstrate strong proficiency in MS Excel including lookup functions pivot tables complex formulas and data validation techniques for large loan data sets
• Exhibit solid understanding of underwriting principles such as creditworthiness assessment collateral evaluation and risk based decision making in consumer or mortgage products
• Apply practical knowledge of mortgage origination underwriting processes to interpret documentation assess application completeness and structure data for analysis
• Bring professional experience of four to eight years in loan operations or underwriting related functions with proven exposure to data driven decision support activities
• Maintain high attention to detail and accuracy when working with sensitive financial information to prevent errors that could affect customers and business risk
• Communicate clearly in written and verbal form to summarize complex findings from Excel analysis or case reviews for stakeholders and decision makers
• Adapt effectively to night shift office environment by managing time focus and collaboration in a way that sustains productivity and supports team objectives

Certifications Required

Microsoft Office Specialist Excel or equivalent advanced Excel certification preferred credit or underwriting certification is an added advantage