Job Summary
Work as a seasoned loan originations specialist with eight to ten years of experience driving high quality processing and analysis for mortgage and consumer lending portfolios in a work from office night shift environment. Use advanced MS Excel capabilities to support underwriting risk assessment and decision support activities contributing to responsible credit growth and positive societal impact through fair access to financial services.
Responsibilities
- Manage end to end loan origination activities by coordinating documentation review data validation and system updates to ensure timely and accurate processing of applications in a structured office based night shift environment.
- Execute detailed financial data analysis using advanced MS Excel functions to evaluate applicant affordability repayment capacity and portfolio level risk indicators that directly support sound credit decisions.
- Perform thorough review of customer information credit reports income proofs and collateral details to support underwriting teams in forming consistent and well documented lending recommendations.
- Maintain precise records in loan origination systems by updating statuses capturing reasons for decisions and tracking exceptions to support audit readiness and operational transparency.
- Collaborate closely with underwriting stakeholders to clarify complex cases share data insights and align on risk appetite thresholds that protect both the institution and customers.
- Apply mortgage origination principles where relevant by structuring data verifying property related information and tracking conditions to enable smooth progression from application to approval.
- Monitor daily work queues turnaround time metrics and error rates to identify bottlenecks in the origination process and recommend targeted process improvements that enhance overall efficiency.
- Prepare recurring reports and dashboards in MS Excel that summarize pipeline volumes approval ratios and ageing analysis enabling management to make data informed operational decisions.
- Adhere strictly to internal policies regulatory guidelines and quality standards by following documented procedures escalating deviations and supporting controls that reinforce ethical lending practices.
- Support continuous improvement initiatives by testing enhancements to templates and workflows documenting observations and suggesting refinements that reduce manual work and improve accuracy.
- Provide clear and respectful communication to internal partners during night shifts by summarizing case status explaining data driven rationales and ensuring that handoffs between teams are well documented.
- Contribute to organizational purpose by enabling fair and efficient access to credit for individuals and communities helping the company extend responsible financial solutions that support long term economic wellbeing.
- Align daily tasks with work from office requirements by maintaining punctual presence during night shift hours coordinating with peers on shared resources and ensuring secure handling of sensitive financial information.
Qualifications
- Demonstrate strong proficiency in MS Excel including use of formulas lookups pivot tables and data validation to manage large volumes of loan and underwriting data with high accuracy.
- Apply knowledge of underwriting concepts by assessing risk drivers interpreting credit parameters and supporting documentation requirements for informed and consistent lending outcomes.
- Use understanding of mortgage origination processes where applicable by supporting application intake verification flows condition tracking and closing readiness checks in a structured manner.
- Bring eight to ten years of relevant experience in loan processing or loan originations roles showing depth in managing complex cases adhering to service level expectations and maintaining quality benchmarks.
- Communicate effectively with cross functional stakeholders during night shifts by conveying data insights clarifying documentation gaps and ensuring alignment on next steps for each application.
- Exhibit strong attention to detail and analytical thinking by identifying inconsistencies in financial information spotting anomalies in reports and taking corrective actions that strengthen decision quality.
- Maintain high ethical standards and customer centric mindset by supporting transparent lending decisions respecting confidentiality of customer data and promoting practices that contribute to financial inclusion.
Certifications Required
Preferred certifications include advanced MS Excel certification or financial analysis credential such as a credit risk or mortgage underwriting course.
About Cognizant:
Cognizant (Nasdaq: CTSH) is an AI Builder and technology services provider, bridging the gap between AI investment and enterprise value by building full-stack AI solutions for our clients. Our deep industry, process and engineering expertise enables us to build an organization’s unique context into technology systems that amplify human potential, drive tangible outcomes and keep global enterprises ahead in a fast-changing world. See how at cognizant.ai or @cognizant.
Additional employment information
Compensation information is accurate as of the date of this posting. Cognizant reserves the right to modify this information at any time, subject to applicable law.
Applicants may be required to attend interviews in person or by video conference. In addition, candidates may be required to present their current state or government issued ID during each interview.
Cognizant is an equal opportunity employer. Your application and candidacy will not be considered based on race, color, sex, religion, creed, sexual orientation, gender identity, national origin, disability, genetic information, pregnancy, veteran status or any other characteristic protected by federal, state or local laws.
