Income Calculation

Shift Timings: Flexible with Night shift

Location: Pune

Experience Range: 2 to 5 years

Job description
Associate plays a crucial role in the mortgage lending process by calculating the income and risk profile of potential borrowers. The position involves analysing financial information, reviewing loan applications, and making informed decisions to approve. This role ensures that all loans meet the company's lending standards and regulatory requirements.

Key Responsibilities:

Loan Application Review:

Analyse and verify loan applications, ensuring all required documents are complete and accurate.

  Assess the borrower's credit history, employment, income, and debt levels.

Confirm the property's value through appraisal reports.

Credit and Financial Analysis:

·       Evaluate credit reports to determine the borrower's creditworthiness.

·       Analyse financial statements, tax returns, pay stubs, and other income documentation.

·       Calculate debt-to-income (DTI) ratios and loan-to-value (LTV) ratios.

Essential skills and requirements:

·       Any bachelor’s degree.

·       Proven experience in mortgage processing or underwriting.

·       Strong knowledge of US Residential Mortgage industry regulations and procedures.

·       Excellent analytical and problem-solving skills.

·       Detail-oriented with exceptional organizational abilities.

·       Proficiency in using mortgage processing software and financial tools.

·       Effective communication and interpersonal skills.

·       Ability to work efficiently under pressure and meet tight deadlines.

·       Solid understanding of financial statements and credit reports.

·       Certification in mortgage underwriting or related fields is a plus.

Consolidated Analytics | End-to-End Mortgage Solutions. Real Expertise. Real Results.

Consolidated Analytics is a data-driven mortgage solutions partner supporting the full life of the loan, from origination through servicing and capital markets. We combine asset-level intelligence with enterprise-scale solutions to power smarter decisions and measurable business outcomes. Our integrated capabilities span due diligence, residential and commercial valuation, collateral and risk analytics, process and technology optimization, and regulatory compliance, helping clients operate with clarity, agility, and confidence in a rapidly evolving market.

What sets us apart?
We bring together deep mortgage industry expertise, integrated technology, and a multidisciplinary workforce to help clients optimize quality, drive operational performance, and enhance decision-making at scale. Across the loan lifecycle, whether managing volume, acquiring assets in bulk, scaling originations, launching or expanding servicing, or navigating market and regulatory change, our teams deliver with clarity, compliance, and speed.

Core Services
• Mortgage Due Diligence
• Property Valuation + Analytics
• Mortgage Fulfillment (Origination and Servicing)
• Default Services (Claims, REO, Rental Management)
• Risk + Compliance Advisory
• Business Process Solutions (BPS)

Our Evolution
Over the past decade, we’ve strategically acquired and integrated best-in-class firms, including OpEXNOW, Equitable Mortgage Solutions, Carrington Property Services, and RealInfo into a unified platform designed to meet the demands of today’s dynamic market.

We’re not just a vendor, we’re a partner built for transformation.

Careers
We’re always hiring talented professionals who want to grow, lead, and win.