US Mortgage Loan Originations Underwriting
Job Summary
This role focuses on managing and optimizing loan origination processes in a night shift work from office model while applying strong expertise in MS Excel to analyze data track pipeline metrics and improve operational efficiency across pre underwriting and underwriting activities in order to deliver accurate and timely credit decisions for a global financial services environment.
Responsibilities
- Manage end to end loan origination workflows to ensure accurate intake data validation and timely progression of applications across all internal checkpoints in a structured and compliant manner.
- Analyze large volumes of loan application data in MS Excel to identify patterns detect anomalies and generate insights that support higher quality credit evaluation and operational decision making.
- Develop detailed Excel based trackers and dashboards that provide transparent visibility into pipeline status turnaround times and key performance indicators for loan originations.
- Coordinate closely with credit operations risk and quality review teams to resolve application discrepancies and ensure that each case is processed with complete and reliable information.
- Document and refine standard operating procedures for loan origination stages so that each task owner has clear guidance on inputs outputs and quality expectations.
- Collaborate with technology and process excellence teams to suggest automation or template improvements grounded in recurring trends observed through Excel reports and operational metrics.
- Review pre underwriting documentation for completeness basic eligibility criteria and data consistency so that underwriters can focus on higher value risk analysis rather than preliminary checks.
- Support underwriting teams by preparing concise Excel summaries of applicant income obligations and collateral information that enable quick and informed credit assessments.
- Monitor night shift process performance and promptly escalate capacity constraints or systemic issues that might impact service level commitments to business partners.
- Provide coaching and process clarification to team members with less experience in Excel so that overall team productivity and data accuracy are improved over time.
- Ensure strict adherence to regulatory guidelines and internal risk controls throughout the loan origination journey to protect customers and the organization from avoidable exposure.
- Coordinate handoffs between day and night shift stakeholders by maintaining clear Excel based logs that capture pending actions critical risks and priority applications.
- Prepare periodic management reports that summarize volumes approval ratios and exception trends so that business leaders can adjust policies and resource planning appropriately.
Qualifications
- Apply strong MS Excel expertise including formulas pivot tables and structured workbooks to handle complex loan data with high accuracy and consistency.
- Use knowledge of pre underwriting practices to assess initial applicant information verify basic documentation and flag missing elements that may delay downstream underwriting steps.
- Use familiarity with underwriting concepts to better interpret risk perspectives credit policies and documentation standards while preparing case files and data summaries.
- Demonstrate the ability to operate effectively in a night shift work from office environment while maintaining focus attention to detail and reliable communication with cross functional partners.
- Exhibit advanced analytical thinking problem solving skills and comfort with financial data so that process issues and outliers are quickly recognized and addressed.
- Show capability to document processes follow established guidelines and contribute practical ideas that enhance customer experience and societal trust in lending activities.
Certifications Required
Preferred certifications include credit risk or loan processing courses and recognized training in advanced MS Excel or data analysis.
コグニザントについて
コグニザント（NASDAQ: CTSH）は、AI Builderおよびテクノロジーサービスプロバイダーとして、お客様にフルスタックのAIソリューションを構築することで、AI投資と企業価値を結ぶ架け橋となっています。業界、ビジネスプロセス、エンジニアリングに関する当社の深い専門知識を活かし、組織固有のビジネス環境をテクノロジー・システムに組み込みます。これにより、人間の可能性を最大限に引き出し、確かな成果を実現するとともに、急速に変化する世界においてグローバル企業が常に一歩先を行くための支援を行っています。 詳細については、cognizant.ai をご覧ください。
雇用に関する追加情報
本募集に記載されている報酬情報は、掲載日時点で正確なものです。Cognizantは、適用される法令に従い、いつでも本情報を変更する権利を留保します。
応募者は、対面またはビデオ会議による面接への参加を求められる場合があります。また、各面接の際に、現在有効な州政府または政府発行の身分証明書の提示を求められる場合があります。
Cognizantは機会均等雇用主です。応募および選考において、人種、肌の色、性別、宗教、信条、性的指向、性自認、国籍、障がい、遺伝情報、妊娠、退役軍人の地位、その他連邦法・州法・地方自治体の法律により保護されるいかなる特性に基づく差別も行いません。
