Associate / Lead Associate Pre-Underwriting

Job Description

Job Brief We are looking for a highly detail-oriented and motivated individual to join our Pre-Underwriting team in Bangalore. In this role, you will assess mortgage loan files to determine whether the risk is permissible under lending guidelines and adequately secured by collateral. You will also ensure compliance with all applicable Federal, State, and Local regulations. This position requires a strong understanding of the mortgage life cycle, regulatory frameworks, and pre-underwriting standards. As a subject matter expert, you ll provide guidance to your team, support new hires, and actively contribute to maintaining operational excellence. Roles and Responsibilities Review mortgage loan files to ensure eligibility and compliance with underwriting guidelines and regulatory requirements. Identify issues in documentation by connecting the dots and flagging risks accurately. Guide and support the team, including onboarding and training new joiners. Conduct certification sessions, refresher training, and provide ongoing floor support. Supervise production workflows and ensure timely processing of work queues. Conduct regular feedback and coaching sessions with team members. Maintain up-to-date knowledge of industry standards, investor guidelines, and compliance requirements. Generate and maintain reports as per operational standards. Collaborate with cross-functional teams and escalate issues when necessary. Take initiative to stay informed about updates and trends in the mortgage domain. Perform additional duties as assigned by management. Requirements Graduate in any discipline 2-5 years of experience in mortgage pre-underwriting or processing (freshers with strong aptitude may also be considered) Strong knowledge of US federal and state mortgage regulations Proficient in MS Office (Excel, Word, PowerPoint); experience with LOS, LMS, and navigating selling guides Excellent verbal and written communication skills for effective stakeholder communication Strong analytical and problem-solving abilities Exceptional attention to detail and accuracy in documentation review Ability to multitask, work independently, and meet deadlines in a dynamic environment Strong presentation skills and the ability to conduct knowledge-sharing sessions Flexible to work both day and night shifts, including weekends if required