Mela Capital Group

• Perform a thorough analysis to ensure the quality of each loan and to determine compliance with Company and Investor guidelines. • Perform a thorough analysis of collateral to ensure property meets investor guidelines and the appraisal quality and completeness is acceptable. • Apply and interpret company underwriting guidelines and makes sound credit decision. • Complete credit, analysis of income, analysis of property, ensures proper audits are completed and verifies consistency of loan file information. • Identify risk factors within each loan and utilizes resources, tools and documentation to detect red flags and clear inconsistencies. • Review and evaluate credit information on mortgage loan documents to determine acceptability for specific loan programs. • Determine any conditions, stipulations or pre-funding requirements. • Maintain ongoing knowledge of investor guidelines, updates and trends as applicable to underwriting position. • Complete second signature underwriting review on loan files underwritten by junior underwriters and within designated authority as needed. • Possess excellent computer skills and working knowledge of Microsoft Office products.