44 4Cs Jobs

Role & responsibilities Analyze complete files, including Borrower creditworthiness and ability to repay, appraisal validity, collateral valuation and worthiness, title policies, and property insurance. Utilize automated underwriting systems such as Desktop Underwriter and Loan Prospector in order to assist in the execution of the duties and responsibilities of the role. Compare automated underwriting to specific loan-file criteria in order to determine whether waiver or deviation from suggested guidelines may be appropriate. Work with loan originators and production staff to acquire required documents in order to verify the income and employment details of the applicant, review the applicant's credit profile, analyze financial statements, and consider other information in order to act on loan and credit requests. Proficient in calculating income for salaried, self-employed, retirement, and pension, including other income. Examine loan documentation for accuracy and completeness and determine whether additional information may be required in order to make a credit decision. Examine and analyze assets, liabilities, income and debt information related to applicants, in order to make a credit decision. Prepare counteroffer proposals for customers and direct team member on acceptable standards for such proposals. Evaluate and review appraisal reports and collateral issues related to real estate in order to determine whether it may properly support the approval of a loan application. Preferred candidate profile Minimum of 4-6 years in live, post-close, pre-close, prefund and due diligence underwriting experience for conventional and government in a retail environment. Strong Knowledge of Revere mortgage and non-QM underwriting experience. Strong knowledge of credit capacity, capital, and collateral. Proficiency with MS Excel, MS Word, Desktop Underwriter, Loan Prospector. Demonstrate high volume productivity. Must be detail oriented, organized and work efficiently under pressure. Excellent written and oral communication skills. Strong organizational and analytical skills. Willingness to work from the office during night shifts, including rotational shifts. Should be open to work from office Interested candidates please share your resume to priydarshini.narayanan@cognizant.com

Job Opportunity US Mortgage Underwriter - Credit - Work from Office Company Profile: Infinity IPS Founded in 2003, Infinity IPS is a mortgage industry leader in providing end-to-end services and solutions. We specialize in mortgage due diligence, pre-fund and post-close quality control, mortgage servicing reviews and loan brokering services. We are vetted by all 5 major rating agencies. Our clients are financial entities including investment banks, commercial banks, mortgage companies, government agencies and mortgage insurers Post US Mortgage Underwriter - Credit Location - Bangalore & Pune - WORK FROM OFFICE Job Shift - Night (7 Pm to 5 Am) - 5 Days a Week Saturday & Sunday Off Transport Travelling to be Managed by Self Immediate joiners preferred Good exposure to work and good salary Required Skills & Job Responsibilities U.S. Mortgage Underwriter: 2 or more years of experience in U.S. residential mortgage underwriting. Strong understanding of U.S. residential mortgage products and investor guidelines. Excellent analytical and decision-making skills, with a focus on maintaining data integrity and accuracy in all underwriting documentation and systems. Ability to analyze credit reports, income documents, asset statements, and property appraisals to ensure compliance with investor guidelines. Strong working knowledge of 4Cs & Income Calculation Experience r eviewing and verifying W-2s, pay stubs, tax returns, bank statements, appraisal reports, and other documentation. S killed in evaluating borrower credit reports, calculating DTI (Debt-to-Income) ratios, and calculation various income types (base, self-employment, rental income). Strong attention to identifying red flags and applying risk-based decision-making. Excellent verbal and written communication skills.

About Client Hiring for One of the Most Prestigious Multinational Corporations! Job Title : Senior Live Underwriters Qualification : Any Graduate or Above Relevant Experience : 5 to 10 Years Must Have Skills : 1. Live underwriters 2. 4C's 3. Residential Underwriting 4. US Mortgage 5. Collateral Capacity 6. Credit & Income Roles and Responsibilities : 1. The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness. Job Roles and Responsibilities 2. Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. 3. Review all required loan data, reports, and inspections to ensure the collateral is acceptable to investor and the company. 4. Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines. 5. Provides final approval underwriting of mortgage loans. 6. Completes all required paperwork and forms in a timely and accurate manner; prepares required forms. 7. Sign off conditions in a timely manner set by management. 8. Work with staff and management to find solutions on escalated loans. 9. May be requested to make recommendations for improving Internal Audits policies and practices. 10. Manage loans by using all functions of Encompass. 11. Effectively communicate underwriting decisions with processors and advisors 12. Maintain a high level of customer service and communication with other departments. 13. Other duties as assigned. Work Location : Remote CTC Range : Upto 16 LPA (Lakhs Per Annum) Notice period : Immediate to 60 Days Shift Timing : US Shift Mode of Interview : Virtual Mode of Work : Work from Home -- Thanks & Regards, Chaitanya HR Analyst Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 08067432493 | WhatsApp 8431371654 chaitanya.d@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

About Client Hiring for One of the Most Prestigious Multinational Corporations! Job Title : Senior Live Underwriters Qualification : Any Graduate or Above Relevant Experience : 4 to 8 Years Must Have Skills : 1. Live underwriters 2. 4Cs 3. Collateral Capacity 4. Credit & Income 5. Residential Underwriting 6. Pre purchase review / PPR Roles and Responsibilities : 1. The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness. Job Roles and Responsibilities 2. Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. 3. Review all required loan data, reports, and inspections to ensure the collateral is acceptable to investor and the company. 4. Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines. 5. Provides final approval underwriting of mortgage loans. 6. Completes all required paperwork and forms in a timely and accurate manner; prepares required forms. 7. Sign off conditions in a timely manner set by management. 8. Work with staff and management to find solutions on escalated loans. 9. May be requested to make recommendations for improving Internal Audits policies and practices. 10. Manage loans by using all functions of Encompass. 11. Effectively communicate underwriting decisions with processors and advisors 12. Maintain a high level of customer service and communication with other departments. 13. Other duties as assigned. Work Location : Remote CTC Range : Upto 16 LPA (Lakhs Per Annum) Notice period : Immediate to 60 Days Shift Timing : US Shift Mode of Interview : Virtual Mode of Work : Work from Home -- Thanks & Regards, Amulya G HR Analyst Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 080-67432458/Whatsapp @6366979339 amulya.g@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

About Client Hiring for One of the Most Prestigious Multinational Corporations! Job Title : Senior Live Underwriters Qualification : Any Graduate or Above Relevant Experience : 4 to 8 Years Must Have Skills : 1. Live underwriters 2. 4Cs 3. Collateral Capacity 4. Credit & Income 5. Residential Underwriting 6. Pre purchase review / PPR Roles and Responsibilities : 1. The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness. Job Roles and Responsibilities 2. Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. 3. Review all required loan data, reports, and inspections to ensure the collateral is acceptable to investor and the company. 4. Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines. 5. Provides final approval underwriting of mortgage loans. 6. Completes all required paperwork and forms in a timely and accurate manner; prepares required forms. 7. Sign off conditions in a timely manner set by management. 8. Work with staff and management to find solutions on escalated loans. 9. May be requested to make recommendations for improving Internal Audits policies and practices. 10. Manage loans by using all functions of Encompass. 11. Effectively communicate underwriting decisions with processors and advisors 12. Maintain a high level of customer service and communication with other departments. 13. Other duties as assigned. Work Location : Remote CTC Range : Upto 16 LPA (Lakhs Per Annum) Notice period : Immediate to 60 Days Shift Timing : US Shift Mode of Interview : Virtual Mode of Work : Work from Home -- Thanks & Regards, Sumitha HR Specialist Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 08067432406 | WhatsApp 9620242412 sumitha@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

About Client Hiring for One of the Most Prestigious Multinational Corporations! Job Title : Live Underwriters Qualification : Any Graduate or Above Relevant Experience : 3 to 10 Years Must Have Skills : 1. Live underwriters 2. 4Cs 3. Collateral Capacity 4. Credit & Income 5. Residential Underwriting 6. Pre purchase review / PPR Roles and Responsibilities : 1. The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness. Job Roles and Responsibilities 2. Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. 3. Review all required loan data, reports, and inspections to ensure the collateral is acceptable to investor and the company. 4. Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines. 5. Provides final approval underwriting of mortgage loans. 6. Completes all required paperwork and forms in a timely and accurate manner; prepares required forms. 7. Sign off conditions in a timely manner set by management. 8. Work with staff and management to find solutions on escalated loans. 9. May be requested to make recommendations for improving Internal Audits policies and practices. 10. Manage loans by using all functions of Encompass. 11. Effectively communicate underwriting decisions with processors and advisors 12. Maintain a high level of customer service and communication with other departments. 13. Other duties as assigned. Work Location : Remote CTC Range : Upto 16 LPA (Lakhs Per Annum) Notice period : Immediate to 60 Days Shift Timing : US Shift Mode of Interview : Virtual Mode of Work : Work from Home -- Thanks & Regards, Darini HR Senior Analyst Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 080-67432405 | WhatsApp 9591269435 darini@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

About Client Hiring for One of the Most Prestigious Multinational Corporations! Job Title : Live Underwriters Qualification : Any Graduate or Above Relevant Experience : 3 to 10 Years Must Have Skills : 1. Live underwriters 2. 4Cs 3. Collateral Capacity 4. Credit & Income 5. Residential Underwriting 6. Pre purchase review / PPR Roles and Responsibilities : 1. The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness. Job Roles and Responsibilities 2. Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. 3. Review all required loan data, reports, and inspections to ensure the collateral is acceptable to investor and the company. 4. Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines. 5. Provides final approval underwriting of mortgage loans. 6. Completes all required paperwork and forms in a timely and accurate manner; prepares required forms. 7. Sign off conditions in a timely manner set by management. 8. Work with staff and management to find solutions on escalated loans. 9. May be requested to make recommendations for improving Internal Audits policies and practices. 10. Manage loans by using all functions of Encompass. 11. Effectively communicate underwriting decisions with processors and advisors 12. Maintain a high level of customer service and communication with other departments. 13. Other duties as assigned. Work Location : Remote CTC Range : Upto 16 LPA (Lakhs Per Annum) Notice period : Immediate to 60 Days Shift Timing : US Shift Mode of Interview : Virtual Mode of Work : Work from Home -- Thanks & Regards, Niveditha HR Senior Analyst- TA-Delivery Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 080-67432479/WhatsApp @9901039852| niveditha.b@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

Designation - QA - Underwriting Level L3 Shift US night shift ( WFO) Qualification - Graduate JD:Position Overview: The Underwriter’s primary responsibilities include reviewing mortgage files submitted to Underwriting. This position requires calculating income, analyzing debt and assets, as well as completing an in-depth review of the completed appraisal and title. Additional responsibilities include entering data into the client’s loan operating system, utilizing an automated underwriting system to determine approval and clearing conditions for Final Approval. Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills. Essential Job Functions: Perform complete and in-depth review of mortgage loan files including; income, assets, credit and collateral Utilize client’s loan operating system to ensure accurate data entry Underwrite loans in accordance with client guidelines; utilizing AUS or manual guidelines Evaluate and ensure overall loan documents are accurate, complete, and compliant Ability to identify and/or clear red flag or s Issue loan decision and condition file accordingly Review and approve conditions for compliance and completion of loan file Provide excellent customer service to internal and external clients Maintain current knowledge of client and investor requirements Resolve pre and post-closing issues as they relate to underwriting Assist Processors/Loan Officers in understanding underwriting decisions and conditions Must be able to work in a high stress environment while delivering a high-level of customer service Ability to work more than 40 hours, on an as needed basis Requirements: Minimum 2+ years current conventional mortgage loan underwriting experience Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags Basic knowledge of appraisal and ability to recognize red flags and ineligible properties Thorough working knowledge of GSE underwriting guidelines and automated underwriting engines (DU/LP) Strong analytic, interpersonal, and verbal and written communication skills Detail-oriented with strong ability to time manage Ability to work in a flexible and production-oriented environment Must be willing and able to work as part of a team Strong capability to work in multiple systems - paperless environment Must be willing to work in strict security environment NMLS-MLO Licensure preferred Candidates must be available to work outside of normal business hours when necessary

Job Opening: Senior Associate Live Underwriting (4Cs) Experience is mandatory. Company: Sutherland Location: Navi Mumbai (WFH) Experience Required: 13 Years Shift Timing: 6.30 PM 6:30 AM (US Shift) Weekends Off: Any 2 rotational off Notice Period: Immediate Joiners Preferred Employment Type: Full-Time About the Role We are hiring skilled and detail-oriented Live Underwriters to join our lending team. This role is critical in evaluating loan applications, assessing borrower creditworthiness, and ensuring compliance with lending regulations. Key Responsibilities Review loan applications and supporting documents (income, credit, property valuations) Analyze financial statements, tax returns, employment history, and debt-to-income ratios Prepare underwriting summaries and recommend loan structures Communicate lending decisions clearly to stakeholders Reconcile complex accounts and prepare daily aging reports Required Qualifications Bachelor’s degree (mandatory) 1–3 years of experience in loan underwriting (manufactured housing preferred) Excellent verbal and written communication skills Ability to work independently and meet deadlines in a fast-paced environment Skills Required Typing speed: 25 WPM with 80% accuracy Pattern recognition and problem-solving How to Apply Send your updated resume to: Mehjbin.khan@sutherlandglobal.com Contact HR: Mehjbin-9136559570 " Sutherland never requests payment or favors in exchange for job opportunities. Please report suspicious activity immediately to TAHelpdesk@Sutherlandglobal.com

Essential qualification: Graduate in any stream Diploma in diamond grading from a reputed institute Experience: Minimum 3 years of experience in complete grading of loose and mounted diamonds (4 Cs) as per GIA grading scale. Proficient in using various gemmological and grading tools like microscope, cut scanner, diamond screening machines for separating natural and lab-grown diamonds or non-diamonds. Grading experience in laboratory environment is preferred. Key responsibilities 1. Grading and Certification: Grade diamonds based on the 4Cs (Carat, Cut, Color, and Clarity) using international grading systems (e.g., GIA). Provide precise measurements of diamonds, including carat weight, table percentage, depth percentage, etc. Document findings and generate grading reports for each diamond or jewellery. Use microscopes, loupes, and other magnification tools to identify inclusions, blemishes, and any other internal or external features of the diamonds. Evaluate symmetry, polish, and fluorescence, noting any impact on the stone’s overall quality. 2. Data Entry and Record Keeping: Maintain accurate records of all graded diamonds and jewellery in lab's database or grading system. Photography of the graded items. Ensure data integrity and confidentiality of client information. 3. Calibration and Maintenance of Equipment: Regularly calibrate and maintain grading equipment to ensure precision. 4. Collaboration: Work closely with gemmologists, laboratory technicians, and quality control personnel to maintain workflow efficiency and uphold grading standards. Skills and work conditions Strong attention to detail and precision. Ability to work efficiently in a team and under pressure. Occasionally working with deadlines and high volumes.

The position of US Mortgage Live Underwriter Process Associate is currently open for hiring in Bangalore. The ideal candidate should have a minimum of 2 years of experience in US Mortgage and live underwriting, with a good understanding of 4C's. This is a work from office role, and the selected candidate should be able to join immediately or within 30 days of notice. If you possess the required skills and experience and are interested in this opportunity, please share your resume with the following email address: rani.esteru@braceinfotech.com.,

Role & responsibilities Analyze complete files, including Borrower creditworthiness and ability to repay, appraisal validity, collateral valuation and worthiness, title policies, and property insurance. Utilize automated underwriting systems such as Desktop Underwriter and Loan Prospector in order to assist in the execution of the duties and responsibilities of the role. Compare automated underwriting to specific loan-file criteria in order to determine whether waiver or deviation from suggested guidelines may be appropriate. Work with loan originators and production staff to acquire required documents in order to verify the income and employment details of the applicant, review the applicant's credit profile, analyze financial statements, and consider other information in order to act on loan and credit requests. Proficient in calculating income for salaried, self-employed, retirement, and pension, including other income. Examine loan documentation for accuracy and completeness and determine whether additional information may be required in order to make a credit decision. Examine and analyze assets, liabilities, income and debt information related to applicants, in order to make a credit decision. Prepare counteroffer proposals for customers and direct team member on acceptable standards for such proposals. Evaluate and review appraisal reports and collateral issues related to real estate in order to determine whether it may properly support the approval of a loan application. Preferred candidate profile Minimum of 4-6 years in live, post-close, pre-close, prefund and due diligence underwriting experience for conventional and government in a retail environment. Strong Knowledge of Revere mortgage and non-QM underwriting experience. Strong knowledge of credit capacity, capital, and collateral. Proficiency with MS Excel, MS Word, Desktop Underwriter, Loan Prospector. Demonstrate high volume productivity. Must be detail oriented, organized and work efficiently under pressure. Excellent written and oral communication skills. Strong organizational and analytical skills. Willingness to work from the office during night shifts, including rotational shifts. Should be open to work from office Interested candidates please share your resume to priydarshini.narayanan@cognizant.com

As a Residential Underwriting professional, you will be responsible for evaluating and assessing residential mortgage applications in accordance with established guidelines and policies. Your expertise in residential underwriting will be crucial in ensuring the accuracy and quality of loan decisions. The ideal candidate for this role should possess substantial experience in residential underwriting, demonstrating proficiency in analyzing the 4Cs - capacity, credit, collateral, and capital. Your ability to effectively evaluate these factors will be instrumental in determining the creditworthiness of applicants. This position requires you to work in US shifts/WFO, so flexibility and adaptability to different work schedules are essential. The successful candidate should be able to thrive in a fast-paced environment and deliver high-quality work under tight deadlines. If you are ready to take on this challenging role, with a notice period of immediate/1 month only, and are located in Mumbai, we encourage you to apply. Join our team and contribute your expertise to our residential underwriting operations.,

Face to Face Interview on 22nd and 23rd of August . Role- Live Underwriter ( Experience with 4Cs Framework/UW guidelines/non-QM UW ) US Mortgage Process Mandatory (Only Night Shifts) Interview- Assessment/ Ops Round / HR Round Job Overview Live Underwriter: - A Live Underwriter in U.S. mortgages evaluates loan applications, assesses borrower risk, and ensures compliance with lending guidelines (FHA, VA, Conventional, etc.). They review income, credit, assets, and property details to approve, suspend, or deny loans while working with loan officers and processors. Key Responsibilities: Loan Evaluation & Decision-Making Review and analyze mortgage loan applications for eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines. Assess borrower creditworthiness by thoroughly reviewing credit history, income, assets, and collateral (4Cs of Underwriting). Ensure loan documentation adheres to HUD, investor, and company guidelines to mitigate risk. Make independent underwriting decisions on loan approvals, suspensions, or denials based on risk assessment. Compliance & Risk Management Ensure compliance with federal, state, and company lending regulations to minimize potential risks. Maintain thorough documentation of underwriting decisions for audit purposes . Identify and report potential fraud or red flags to management and compliance teams. Process Optimization & Collaboration Work closely with loan processors, advisors, and management to resolve escalations and streamline the underwriting process. Provide guidance to internal teams on best underwriting practices and regulatory changes. Manage loans efficiently using Encompass and other underwriting tools. Quality Assurance & Customer Service Ensure timely completion of underwriting reviews while maintaining high-quality standards. Communicate underwriting decisions clearly and professionally with stakeholders. Continuously seek opportunities for process improvements to enhance efficiency. Qualifications & Requirements: bachelors degree or Equivalent Experience 3 + Years of End-to-End Mortgage Underwriting Experience (Conventional/Government) Deep understanding of HUD, investor, and regulatory guidelines Proficiency in Encompass & other mortgage underwriting systems Strong analytical, decision-making, and problem-solving skills Ability to work in a fast-paced, high-volume environment without compromising accuracy Excellent communication & stakeholder management skills Take Your Career to the Next Level! M +91 9686640353 Email: Gentella.VijayaDurga@adecco.com

Role- Live Underwriter ( Experience with 4Cs Framework/UW guidelines/non-QM UW ) US Mortgage Process Mandatory (Only Night Shifts) Share updated resume at siddhi.pandey@adecco.com or whatsapp at 6366783349 Interview- Assessment/ Ops Round / HR Round Job Overview Live Underwriter: - A Live Underwriter in U.S. mortgages evaluates loan applications, assesses borrower risk, and ensures compliance with lending guidelines (FHA, VA, Conventional, etc.). They review income, credit, assets, and property details to approve, suspend, or deny loans while working with loan officers and processors. Key Responsibilities: Loan Evaluation & Decision-Making Review and analyze mortgage loan applications for eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines. Assess borrower creditworthiness by thoroughly reviewing credit history, income, assets, and collateral (4Cs of Underwriting). Ensure loan documentation adheres to HUD, investor, and company guidelines to mitigate risk. Make independent underwriting decisions on loan approvals, suspensions, or denials based on risk assessment. Compliance & Risk Management Ensure compliance with federal, state, and company lending regulations to minimize potential risks. Maintain thorough documentation of underwriting decisions for audit purposes . Identify and report potential fraud or red flags to management and compliance teams. Process Optimization & Collaboration Work closely with loan processors, advisors, and management to resolve escalations and streamline the underwriting process. Provide guidance to internal teams on best underwriting practices and regulatory changes. Manage loans efficiently using Encompass and other underwriting tools. Quality Assurance & Customer Service Ensure timely completion of underwriting reviews while maintaining high-quality standards. Communicate underwriting decisions clearly and professionally with stakeholders. Continuously seek opportunities for process improvements to enhance efficiency. Qualifications & Requirements: bachelors degree or Equivalent Experience 3 + Years of End-to-End Mortgage Underwriting Experience (Conventional/Government) Deep understanding of HUD, investor, and regulatory guidelines Proficiency in Encompass & other mortgage underwriting systems Strong analytical, decision-making, and problem-solving skills Ability to work in a fast-paced, high-volume environment without compromising accuracy Excellent communication & stakeholder management skills Take Your Career to the Next Level!

Hiring for US Mortgage - Underwriting Requirements: Minimum 2 year of experience into Live Underwriting Location: Gurugram, Mumbai, Chennai, Bangalore, Hyderabad. Graduates & above CTC: Upto 12 lpa Work from home opportunity (US Shift) Sound knowledge of US Residential mortgage Exposure of Underwriting processes & guidelines Excellent critical thinking, problem solving and sound judgment Analysis and Calculation of qualifying income from Salaried various tax documents such as 1040s, Schedule E, 1065, 1120, 1120S, K1, transcripts. Validate collateral and property valuations and assess appraisal documentation. Strong knowledge of FNMA, FHLMC, and optionally GNMA guidelines. Strong analysis with 4Cs (credit, collateral, capacity, capital). Interested candidates contact HR Prathibha - 8655884776 / prathibha@careerguideline.com

Designation - QA - Underwriting Shift US night shift ( WFO) Qualification - Graduate JD: Position Overview: The Underwriters primary responsibilities include reviewing mortgage files submitted to Underwriting. This position requires calculating income, analyzing debt and assets, as well as completing an in-depth review of the completed appraisal and title. Additional responsibilities include entering data into the clients loan operating system, utilizing an automated underwriting system to determine approval and clearing conditions for Final Approval. Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills. Essential Job Functions: Perform complete and in-depth review of mortgage loan files including; income, assets, credit and collateral Utilize clients loan operating system to ensure accurate data entry Underwrite loans in accordance with client guidelines; utilizing AUS or manual guidelines Evaluate and ensure overall loan documents are accurate, complete, and compliant Ability to identify and/or clear red flag or s Issue loan decision and condition file accordingly Review and approve conditions for compliance and completion of loan file Provide excellent customer service to internal and external clients Maintain current knowledge of client and investor requirements Resolve pre and post-closing issues as they relate to underwriting Assist Processors/Loan Officers in understanding underwriting decisions and conditions Must be able to work in a high stress environment while delivering a high-level of customer service Ability to work more than 40 hours, on an as needed basis

Job Roles and Responsibilities: Review and analyse the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor and the company. Knowledge of Lending & Underwriting Guidelines | Credit & Income Analysis | Cash Flow Analysis | Risk Assessment | Loan-to-Value Ratios | Debt-to-Income Ratios Review Initial application - Verify loan, property, borrowers information with other available documents - Verify borrower's monthly income and expenses - Verify other relevant sections. Review all the documents related to borrower’s Credit, Capacity, Collateral and Capital. Calculate asset required for closing and reserve purpose for the transaction (as per guideline) Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines. Provides final approval underwriting of mortgage loans. Completes all required paperwork and forms in a timely and accurate manner; prepares required forms. Sign off conditions in a timely manner set by management. Work with staff and management to find solutions on escalated loans. May be requested to make recommendations for improving Internal Audit’s policies and practices. Manage loans by using all functions of Encompass. Effectively communicate underwriting decisions with processors and advisors Maintain high level of customer service and communication with other departments. Other duties as assigned. Qualification & Experience Degree or Equivalent Minimum 3 years of experience in conventional/govt end to end underwriting. Well-versed with all 4C’s of Underwriting (Asset, Income, Credit and Collateral)

Job Opportunity Credit Analyst US Mortgage Underwriting - Work from Office Company Profile: Infinity IPS Founded in 2003, Infinity IPS is a mortgage industry leader in providing end-to-end services and solutions. We specialize in mortgage due diligence, pre-fund and post-close quality control, mortgage servicing reviews and loan brokering services. We are vetted by all 5 major rating agencies. Our clients are financial entities including investment banks, commercial banks, mortgage companies, government agencies and mortgage insurers Post Credit Analyst US Mortgage Underwriting Location Bangalore Job Shift 7 pm to 5 am - Night - 5 Days a Week Saturday & Sunday Off Immediate Joiners Preferred Requirements: - Mortgage Underwriter Duties and Responsibilities Experience in Post close underwriting Including QM and Non-QM loans. Experience in US MORTGAGE UNDERWRITING is MUST Highly organised and able to prioritise. Good communication skills, both verbal and written. Detail-oriented with strong data analysis skills. High mathematical aptitude. Proficiency in Microsoft Office and automated underwriting systems. Mortgage Underwriter Skills and Requirements Experience in loan underwriting in QM and Non Qm loans for 1-6 years Good working knowledge of mortgage loan underwriting of 4 Cs. Working experience in income calculation, DTI calculation, LTV calculation. Reviewer is responsible for assessing mortgage files as per applicable selling guides and the lender overlays. Review and verify loan applications and supporting documentation. Analyse loan risk and request additional information as necessary. Determine if the risk covering the mortgage loans is permissible per guidelines and covered adequately Good knowledge of collateral underwriting, non-QM income also reviews the assets. Review and specify loan conditions as necessary. Document and efficiently communicating reasons for the approval/rejection of loans. Highly organised and able to prioritise work first. Walk in Details : Candidate can visit office as per below mentioned schedule with a copy of CV Date : 16th July 2025 to 25th July 2025 Time : 6 PM to 9 PM - Monday to Friday Venue : Infinity Data Technologies Pvt. Ltd. C/O : Novel Tech Park 46/4, Garvebhavipalya, Kudlu Gate, Hoser Main Road, Bangalore-68 Contact Person : Praveen (7530002417)

Dear Applicant, Hiring for Live Underwriter(WFH) - F2F interview - US Residential Underwriting Location - Gurgaon - F2F Interview on 19th & 20th US Night shift 45days notice ctc upto 12lpa Work from home Minimum 3+yrs of exp required in underwriting 2yrs in live underwriting Key Responsibilities Review and underwrite U.S. residential mortgage loan files to ensure compliance with FNMA, FHLMC guidelines. Familiarity with GNMA and other investor guidelines is a strong plus. Conduct comprehensive analysis of borrowers credit, income, asset, and collateral (4Cs) to determine creditworthiness. Perform income analysis from salaried, self-employed (business), rental, and other sources, including complex tax documents such as 1040s, Schedule E, K1s, 1120, 1120S, and transcripts. Review credit reports to evaluate trade lines, delinquencies, public records, and reconcile discrepancies. Validate collateral and property valuations and assess appraisal documentation. Verify asset documentation including bank statements, retirement accounts, and other investments. Make independent underwriting decisions (approve, deny, or counter) in accordance with investor and company policies. Maintain compliance with internal controls and regulatory requirements. Communicate findings and decisions clearly to internal stakeholders and/or clients. Deliver quality outcomes while meeting turnaround time (TAT) and accuracy metrics. Interested Candidates contact HR Umme@ 8655884775 / Umme@careerguideline.com

Designation - QA - Underwriting Level L3 Shift US night shift ( WFO) Qualification - Graduate JD: Position Overview: The Underwriters primary responsibilities include reviewing mortgage files submitted to Underwriting. This position requires calculating income, analyzing debt and assets, as well as completing an in-depth review of the completed appraisal and title. Additional responsibilities include entering data into the clients loan operating system, utilizing an automated underwriting system to determine approval and clearing conditions for Final Approval. Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills. Requirements: Minimum 2+ years current conventional mortgage loan underwriting experience Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags Basic knowledge of appraisal and ability to recognize red flags and ineligible properties Thorough working knowledge of GSE underwriting guidelines and automated underwriting engines (DU/LP) Strong analytic, interpersonal, and verbal and written communication skills Detail-oriented with strong ability to time manage Ability to work in a flexible and production-oriented environment Must be willing and able to work as part of a team Strong capability to work in multiple systems - paperless environment Must be willing to work in strict security environment NMLS-MLO Licensure preferred Candidates must be available to work outside of normal business hours when necessary

About Client Hiring for One of the Most Prestigious Multinational Corporations! Job Title : Live Underwriters Qualification : Any Graduate or Above Relevant Experience : 2 to 10 Years Must Have Skills : 1. Live underwriters 2. 4Cs 3. Collateral Capacity 4. Credit & Income 5. Residential Underwriting 6. Pre purchase review / PPR Roles and Responsibilities : 1. The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness. Job Roles and Responsibilities 2. Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. 3. Review all required loan data, reports, and inspections to ensure the collateral is acceptable to investor and the company. 4. Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines. 5. Provides final approval underwriting of mortgage loans. 6. Completes all required paperwork and forms in a timely and accurate manner; prepares required forms. 7. Sign off conditions in a timely manner set by management. 8. Work with staff and management to find solutions on escalated loans. 9. May be requested to make recommendations for improving Internal Audits policies and practices. 10. Manage loans by using all functions of Encompass. 11. Effectively communicate underwriting decisions with processors and advisors 12. Maintain a high level of customer service and communication with other departments. 13. Other duties as assigned. Work Location : Remote CTC Range : Upto 15 LPA (Lakhs Per Annum) Notice period : Immediate to 60 Days Shift Timing : US Shift Mode of Interview : Virtual Mode of Work : Work from Home Thanks & Regards, Hemalatha HR Analyst Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 080-67432418| Whats App : 9900261540 hemalatha.c@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

Experience in Live underwriting Follow quality control policies & procedures Able to fulfill the role of subject matter expert Analyze individual guaranty & closing files Knowledge on 4Cs & income calculations Experience in quality check and control

Job Opportunity US Mortgage Underwriter - Credit - Work from Office Company Profile: Infinity IPS Founded in 2003, Infinity IPS is a mortgage industry leader in providing end-to-end services and solutions. We specialize in mortgage due diligence, pre-fund and post-close quality control, mortgage servicing reviews and loan brokering services. We are vetted by all 5 major rating agencies. Our clients are financial entities including investment banks, commercial banks, mortgage companies, government agencies and mortgage insurers Post US Mortgage Underwriter - Credit Location Bangalore & Pune – WORK FROM OFFICE Job Shift – Day & Night (7 Pm to 5 Am) - Both Shifts Available - 5 Days a Week – Saturday & Sunday Off Transport Travelling to be Managed by Self Immediate joiners preferred Good exposure to work and good salary Required Skills & Job Responsibilities – U.S. Mortgage Underwriter: 2 or more years of experience in U.S. residential mortgage underwriting. Strong understanding of U.S. residential mortgage products and investor guidelines. Excellent analytical and decision-making skills, with a focus on maintaining data integrity and accuracy in all underwriting documentation and systems. Ability to analyze credit reports, income documents, asset statements, and property appraisals to ensure compliance with investor guidelines. S trong working knowledge of 4Cs Experience r eviewing and verifying W-2s, pay stubs, tax returns, bank statements, appraisal reports, and other documentation. S killed in evaluating borrower credit reports, calculating DTI (Debt-to-Income) ratios, and calculation various income types (base, self-employment, rental income). Strong attention to identifying red flags and applying risk-based decision-making. Excellent verbal and written communication skills.

Position Senior Underwriter Experience – 2 to 8 years Notice – Immediate to 30 days Job Description: The Underwriter will be responsible to verify and analyse complex information in accordance with policies procedure to process and evaluate mortgage loan applications. The Underwriter must use their business judgement to ensure mortgage applications meet regulatory guidelines. Job Responsibilities: • Candidate should have total 2+ years of US mortgage underwriting experience • Should be well versed with FNMA, FHLMC, GNMA and investor guidelines • Should be able to evaluate complete loan documents and provide approval or denial decision • Should be thorough in Income calculation – Salaried income, business income, retired, other income and rental income • Assets verification include borrower’s bank account statement, retirement accounts, mutual funds and other investments • Complete review of credit report to verify trade lines, derogatory accounts, public records and credit reconciliation • Credit analysis based on borrower’s Income, Asset, Liability and Collateral (4C of Underwriting) to determine the credit worthiness of a customer • Complete review of Collateral including Appraisal review and Property Valuation • Complete review of the required closing conditions to approve loan and communicate requirements to clients • Should be able to validate and process the Loan documents on behalf of a Mortgage lender organization • Should be able to evaluate evidence of borrower’s willingness and ability to repay the obligation • Should have good analytical and problem-solving skills • Should have decision-making skill when applying in business judgement • Should ensure deliverables meet Productivity, Quality TAT per client SLAs • Good communication, Presentation skills, Self-motivated and hard working