93 Capacity Jobs

US Mortgage experience In Underwriting All 4 C’s Credit, Capacity, Collateral, and Capital or Income review experience, Conditions Clearing, Closing Review, Loan Set Up review process..Group health/Liability/Commercial/Crop UW openings are also open. Required Candidate profile past due account ,revolving account, time share account, 30-day loan account.tax extension forms IRS 4868.wage income, self-employment income, business income.Debt-to-Income (DTI)/Loan-to-Value (LTV)

Responsibilities: * Oversee production planning & operations * Ensure safety standards & statutory compliance * Manage inventory levels & supply chain flow * Optimize capacity utilization & maintenance schedules Annual bonus Provident fund Office cab/shuttle Health insurance

We are hiring for Analyst role in Mortgage- Case management profile. Location:- Ghansoli Shifts:- UK Transport:- One way Work from office ( 5 Days) Role & responsibilities Taking ownership and being accountable of mortgage applications, from initial submission through to offer, delivering a seamless service to brokers and partners • Reviewing and screening residential owner occupied and buy to let (in both individual names and trading companies names) mortgage applications to understand the customer and application type, ensuring the correct packaging requirements are set • Applying a future thinking, holistic approach by anticipating the need of the underwriter, this will be done through: o Understanding and assessing the risk of the application o Using and interpreting lending policy to ensure the case meets the packaging guidelines • Being responsible for the quality of data, identify and correct inaccuracies, including customer personal data, property portfolio and income and commitments, including the validation of documentation • Working to agreed deadlines, meeting and exceeding set SLAs at each touchpoint • Managing all mortgage documents and supporting information, by assessing and validate documents, ensuring they meet the relevant policy and regulatory guidelines. • Ensuring the case is managed through the relevant systems, ensuring one customer and application record that is reflective of the information required to manage risk and deliver for our customers, including using relevant third party websites and systems, e.g. Companies House • Having the ability to review and asses key documents and mortgage information, such as: o Income evidence; payslips, P60s, SA302s, financial accounts and business plans etc o Proof of ID, proof of address o Buy to let portfolios etc o Credit reference reports, EPC reports, Companies House searches • Undertaking required Customer due-diligence through: o Document assessment and validation; proof of ID, proof of address o Ensure accuracy of data from a customer identity perspective o Ensure CDD policies are adhered to • Protecting the customer and the Bank by having a strong knowledge of anti-money laundering policies and fraud prevention processes. Identification of potential external fraud, and scheme misuse to protect the bank against possible bad debts. • Adhering to required data management standards by applying the correct updates and notes in a clear and concise way • Maintaining strong technical system knowledge of mortgage origination systems and the wider supporting systems (quest, lender hub, kama etc.) • Delivering against service KPIs, ensuring efficiency and effectiveness targets are met • Understanding of system rules and affordability calculators to ensure adherence to policy and bank risk appetite • Adhering to all Standard Operating Procedures across the application journey Review and screen residential owner occupied and buy to let (in both individual names and trading companies names) mortgage applications to understand the customer and application type, ensuring the correct packaging requirements are set • Review the quality of data and identify inaccuracies including customer personal data, property portfolio and income and commitments, ensuring the mortgage application is set up for success and ready to be underwritten • Regularly reviewing mortgage applications against agreed deadlines to ensure cases are progressed in a timely and accurate manner • Review packaging documents once received, ensuring they meet the relevant requests. Including the checking of documents, validating the data and updating the system information through the documents received or the use of relevant third party websites and systems, e.g. Companies House • Review and validate documentation and supporting information such as: o Income evidence; payslips, P60s, SA302s, financial accounts and business plans etc o Customer due-diligence documentation; proof of ID, proof of address o Buy to let portfolios etc o Credit reference reports, EPC reports, Companies House searches • Understand and apply Bank policies in terms of documentation, case set up and mortgage valuation requirements • Identify cases that require manual referral to the onshore team and refer them in a timely manner to ensure the customer experience isn’t detrimental, this could be due to; o AML concerns Complex case/documentation requirements o System errors etc • Protect the customer and the Bank by having a strong knowledge of anti-money laundering policies, customer due diligence policies and fraud prevention processes. Identification of potential external fraud, and scheme misuse to protect the bank against possible bad debts • Support the successful progression of mortgage applications through the use of systems, applying the correct updates and notes in a clear and concise way • Both technical system knowledge of mortgage origination systems and the wider supporting systems (quest, lender hub, kama etc.) • Support the management of a large volume of mortgage applications, and work is priortised accordingly to deliver against service KPIs • Understanding of system rules and affordability calculators to ensure adherence to policy and bank risk appetite • A good understanding of both Residential and Commercial lending, particularly in a UK market • Adhere to Standard Operating Procedures when assessing Mortgage valuations, Certificates of Titles and post offer documents, applying business and lending policies to the assessment to ensure appropriate decisions can be made as a result of the assessment • Identify and review changes to Standard Operating Procedures and support the implementation of improvement ideas to improve the customer experience and realise cost benefits Interested candidates can share their updated resume on the below email ramakanth.sripati@wipro.com

Hiring for WFM Manager ( Capacity Planning ) Should have relevant EXP into WFM - Capacity Planning & Team Handling 10+ Years of Exp Required = Upto 13 LPA WFO / Hyderabad Location Immediate Joiners

US Mortgage experience In Underwriting All 4 C’s Credit, Capacity, Collateral, and Capital or Income review experience, Conditions Clearing, Closing Review, Loan Set Up review process..Group health/Liability/Commercial/Crop UW openings are also open. Required Candidate profile past due account ,revolving account, time share account, 30-day loan account.tax extension forms IRS 4868.wage income, self-employment income, business income.Debt-to-Income (DTI)/Loan-to-Value (LTV)

Dear Candidate, We are hiring for US Mortgage Underwriting 4C | Bengaluru, Mumbai, Hyderabad Location. Any graduate can apply Ops Req: Skill Level Low/Mid 2-3 Years US Mortgage Experience. Knowledge of Income, Assets, Collateral, Credit Documents should be preferred. Experience in 4 C's in underwriting: Capacity, Capital, Credit, and Collateral. First up in our dynamic quartet is 'Capacity' . This superhero doesn't shy away from asking the tough questions. "Can you repay this loan?" it asks, scrutinizing your income, job stability, and other sources of money. Capacity loves numbers, so the more you have in terms of income and the less you have in terms of existing debt, the happier it is. Next in line is 'Credit' . If Capacity is the muscle, Credit is the mind. With its trusty sidekick, the Credit Score, it dives deep into your past financial habits. It's like the time-traveller of the group, revisiting how you've managed your debts and credit cards. A strong credit history signals to Credit that you're a responsible borrower. Then we have 'Collateral' , the visionary of the team. It's all about the here and now, focusing on the property you're buying. Collateral assesses whether your dream home is worth the amount you're borrowing. It brings in its buddy, the Appraisal , to ensure the home's market value aligns with the loan amount. It's Collateral's job to make sure the lender won't be left in a lurch if you can't make your payments. Last but certainly not least, we have 'Capital'. Capital is like the sage, looking at your savings and assets. It's the safety net, checking whether you have enough reserves to make your mortgage payments, even if something unexpected happens. It loves seeing a healthy savings account, a retirement fund, or other assets. Regards SPARK CONSULTANCY

Dear Candidate, We are hiring for US Mortgage Underwriting 4C | Bengaluru, Mumbai, Hyderabad Location. Any graduate can apply Ops Req: Skill Level Low/Mid 2-3 Years US Mortgage Experience. Knowledge of Income, Assets, Collateral, Credit Documents should be preferred. Experience in 4 C's in underwriting: Capacity, Capital, Credit, and Collateral. First up in our dynamic quartet is 'Capacity' . This superhero doesn't shy away from asking the tough questions. "Can you repay this loan?" it asks, scrutinizing your income, job stability, and other sources of money. Capacity loves numbers, so the more you have in terms of income and the less you have in terms of existing debt, the happier it is. Next in line is 'Credit' . If Capacity is the muscle, Credit is the mind. With its trusty sidekick, the Credit Score, it dives deep into your past financial habits. It's like the time-traveller of the group, revisiting how you've managed your debts and credit cards. A strong credit history signals to Credit that you're a responsible borrower. Then we have 'Collateral' , the visionary of the team. It's all about the here and now, focusing on the property you're buying. Collateral assesses whether your dream home is worth the amount you're borrowing. It brings in its buddy, the Appraisal , to ensure the home's market value aligns with the loan amount. It's Collateral's job to make sure the lender won't be left in a lurch if you can't make your payments. Last but certainly not least, we have 'Capital'. Capital is like the sage, looking at your savings and assets. It's the safety net, checking whether you have enough reserves to make your mortgage payments, even if something unexpected happens. It loves seeing a healthy savings account, a retirement fund, or other assets. Regards SPARK CONSULTANCY

Dear Candidate, We are hiring for US Mortgage Underwriting 4C | Bengaluru, Mumbai, Hyderabad Location. Any graduate can apply Ops Req: Skill Level Low/Mid 2-3 Years US Mortgage Experience. Knowledge of Income, Assets, Collateral, Credit Documents should be preferred. Experience in 4 C's in underwriting: Capacity, Capital, Credit, and Collateral. First up in our dynamic quartet is 'Capacity' . This superhero doesn't shy away from asking the tough questions. "Can you repay this loan?" it asks, scrutinizing your income, job stability, and other sources of money. Capacity loves numbers, so the more you have in terms of income and the less you have in terms of existing debt, the happier it is. Next in line is 'Credit' . If Capacity is the muscle, Credit is the mind. With its trusty sidekick, the Credit Score, it dives deep into your past financial habits. It's like the time-traveller of the group, revisiting how you've managed your debts and credit cards. A strong credit history signals to Credit that you're a responsible borrower. Then we have 'Collateral' , the visionary of the team. It's all about the here and now, focusing on the property you're buying. Collateral assesses whether your dream home is worth the amount you're borrowing. It brings in its buddy, the Appraisal , to ensure the home's market value aligns with the loan amount. It's Collateral's job to make sure the lender won't be left in a lurch if you can't make your payments. Last but certainly not least, we have 'Capital'. Capital is like the sage, looking at your savings and assets. It's the safety net, checking whether you have enough reserves to make your mortgage payments, even if something unexpected happens. It loves seeing a healthy savings account, a retirement fund, or other assets. Regards SPARK CONSULTANCY

Dear Candidate, We are hiring for US Mortgage Underwriting Chennai Location. Any graduate can apply Perform & manage quality control reviews of residential loan files in accordance with customer quality control policies and procedures and accepted quality control standards. Will be also responsible for managing the daily operations along with client handling who should be well versed and certified underwriter in the Mortgage domain In depth knowledge of GSE, Fannie mae, Freddie Mac guidelines and requirements Expert in Mortgage lender's policies, guidelines and procedures (loan to value, debt to income, collateral review, compliance review) Should have experience in Analyze Income & employment, credit strength, property appraisal, check over debt to Income (DTI) and Loan to value (LTV)and all other information pertinent to the credit decision process on each mortgage application, as presented by the applicant Knowledge to validate that a prospective mortgagors loan application adheres to the Investors, Secondary Investors (Fannie & Freddie) and guidelines of applicable government agencies to approve the loan Review loan files for completeness and accuracy Confirm application information against all documents within the file Analyze all credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents. Should have experience in Income Calculations Review the eligibility of Property, Borrowers Evaluate debt ratio, loan-to-value ratios, credit score, property valuation Identify risk factors, including fraud red flags to determine or verify misrepresentation Condition files for missing/ supporting documentation as needed Complete required trainings and assessments Knowledge in Commercial Real Estate will be an added advantage High level understanding of US Real Estate, Mortgage, Commercial Mortgage Servicing, loan agreements and documentation Ability to build & motivate teams Ability to manage Client escalations and Client relationships Team mentoring & coaching individual associates who may fall below desired performance Continuously contribute towards process improvement Hold relevant experience Regards SPARK CONSULTANCY

Dear Candidate, We are hiring for US Mortgage Underwriting Chennai Location. Any graduate can apply Perform & manage quality control reviews of residential loan files in accordance with customer quality control policies and procedures and accepted quality control standards. Will be also responsible for managing the daily operations along with client handling who should be well versed and certified underwriter in the Mortgage domain In depth knowledge of GSE, Fannie mae, Freddie Mac guidelines and requirements Expert in Mortgage lender's policies, guidelines and procedures (loan to value, debt to income, collateral review, compliance review) Should have experience in Analyze Income & employment, credit strength, property appraisal, check over debt to Income (DTI) and Loan to value (LTV)and all other information pertinent to the credit decision process on each mortgage application, as presented by the applicant Knowledge to validate that a prospective mortgagors loan application adheres to the Investors, Secondary Investors (Fannie & Freddie) and guidelines of applicable government agencies to approve the loan Review loan files for completeness and accuracy Confirm application information against all documents within the file Analyze all credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents. Should have experience in Income Calculations Review the eligibility of Property, Borrowers Evaluate debt ratio, loan-to-value ratios, credit score, property valuation Identify risk factors, including fraud red flags to determine or verify misrepresentation Condition files for missing/ supporting documentation as needed Complete required trainings and assessments Knowledge in Commercial Real Estate will be an added advantage High level understanding of US Real Estate, Mortgage, Commercial Mortgage Servicing, loan agreements and documentation Ability to build & motivate teams Ability to manage Client escalations and Client relationships Team mentoring & coaching individual associates who may fall below desired performance Continuously contribute towards process improvement Hold relevant experience Regards SPARK CONSULTANCY

Dear Candidate, We are hiring for US Mortgage Underwriting Chennai Location. Any graduate can apply Perform & manage quality control reviews of residential loan files in accordance with customer quality control policies and procedures and accepted quality control standards. Will be also responsible for managing the daily operations along with client handling who should be well versed and certified underwriter in the Mortgage domain In depth knowledge of GSE, Fannie mae, Freddie Mac guidelines and requirements Expert in Mortgage lender's policies, guidelines and procedures (loan to value, debt to income, collateral review, compliance review) Should have experience in Analyze Income & employment, credit strength, property appraisal, check over debt to Income (DTI) and Loan to value (LTV)and all other information pertinent to the credit decision process on each mortgage application, as presented by the applicant Knowledge to validate that a prospective mortgagors loan application adheres to the Investors, Secondary Investors (Fannie & Freddie) and guidelines of applicable government agencies to approve the loan Review loan files for completeness and accuracy Confirm application information against all documents within the file Analyze all credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents. Should have experience in Income Calculations Review the eligibility of Property, Borrowers Evaluate debt ratio, loan-to-value ratios, credit score, property valuation Identify risk factors, including fraud red flags to determine or verify misrepresentation Condition files for missing/ supporting documentation as needed Complete required trainings and assessments Knowledge in Commercial Real Estate will be an added advantage High level understanding of US Real Estate, Mortgage, Commercial Mortgage Servicing, loan agreements and documentation Ability to build & motivate teams Ability to manage Client escalations and Client relationships Team mentoring & coaching individual associates who may fall below desired performance Continuously contribute towards process improvement Hold relevant experience Regards SPARK CONSULTANCY

Dear Candidate, We are hiring for US Mortgage Underwriting Chennai Location. Any graduate can apply Perform & manage quality control reviews of residential loan files in accordance with customer quality control policies and procedures and accepted quality control standards. Will be also responsible for managing the daily operations along with client handling who should be well versed and certified underwriter in the Mortgage domain In depth knowledge of GSE, Fannie mae, Freddie Mac guidelines and requirements Expert in Mortgage lender's policies, guidelines and procedures (loan to value, debt to income, collateral review, compliance review) Should have experience in Analyze Income & employment, credit strength, property appraisal, check over debt to Income (DTI) and Loan to value (LTV)and all other information pertinent to the credit decision process on each mortgage application, as presented by the applicant Knowledge to validate that a prospective mortgagors loan application adheres to the Investors, Secondary Investors (Fannie & Freddie) and guidelines of applicable government agencies to approve the loan Review loan files for completeness and accuracy Confirm application information against all documents within the file Analyze all credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents. Should have experience in Income Calculations Review the eligibility of Property, Borrowers Evaluate debt ratio, loan-to-value ratios, credit score, property valuation Identify risk factors, including fraud red flags to determine or verify misrepresentation Condition files for missing/ supporting documentation as needed Complete required trainings and assessments Knowledge in Commercial Real Estate will be an added advantage High level understanding of US Real Estate, Mortgage, Commercial Mortgage Servicing, loan agreements and documentation Ability to build & motivate teams Ability to manage Client escalations and Client relationships Team mentoring & coaching individual associates who may fall below desired performance Continuously contribute towards process improvement Hold relevant experience Regards SPARK CONSULTANCY

Perform & manage quality control reviews of residential loan files in accordance with customer quality control policies and procedures and accepted quality control standards. Will be also responsible for managing the daily operations along with client handling who should be well versed and certified underwriter in the Mortgage domain In depth knowledge of GSE, Fannie mae, Freddie Mac guidelines and requirements Expert in Mortgage lender's policies, guidelines and procedures (loan to value, debt to income, collateral review, compliance review) Should have experience in Analyze Income & employment, credit strength, property appraisal, check over debt to Income (DTI) and Loan to value (LTV)and all other information pertinent to the credit decision process on each mortgage application, as presented by the applicant Knowledge to validate that a prospective mortgagors loan application adheres to the Investors, Secondary Investors (Fannie & Freddie) and guidelines of applicable government agencies to approve the loan Review loan files for completeness and accuracy Confirm application information against all documents within the file Analyze all credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents. Should have experience in Income Calculations Review the eligibility of Property, Borrowers Evaluate debt ratio, loan-to-value ratios, credit score, property valuation Identify risk factors, including fraud red flags to determine or verify misrepresentation Condition files for missing/ supporting documentation as needed Complete required trainings and assessments Knowledge in Commercial Real Estate will be an added advantage High level understanding of US Real Estate, Mortgage, Commercial Mortgage Servicing, loan agreements and documentation Ability to build & motivate teams Ability to manage Client escalations and Client relationships Team mentoring & coaching individual associates who may fall below desired performance Continuously contribute towards process improvement Hold relevant experience

Dear Candidate, We are hiring for US Mortgage Underwriting 4C | Bengaluru, Mumbai, Hyderabad Location. Any graduate can apply Experience in 4 C's in underwriting: Capacity, Capital, Credit, and Collateral. First up in our dynamic quartet is 'Capacity' . This superhero doesn't shy away from asking the tough questions. "Can you repay this loan?" it asks, scrutinizing your income, job stability, and other sources of money. Capacity loves numbers, so the more you have in terms of income and the less you have in terms of existing debt, the happier it is. Next in line is 'Credit' . If Capacity is the muscle, Credit is the mind. With its trusty sidekick, the Credit Score, it dives deep into your past financial habits. It's like the time-traveller of the group, revisiting how you've managed your debts and credit cards. A strong credit history signals to Credit that you're a responsible borrower. Then we have 'Collateral' , the visionary of the team. It's all about the here and now, focusing on the property you're buying. Collateral assesses whether your dream home is worth the amount you're borrowing. It brings in its buddy, the Appraisal , to ensure the home's market value aligns with the loan amount. It's Collateral's job to make sure the lender won't be left in a lurch if you can't make your payments. Last but certainly not least, we have 'Capital'. Capital is like the sage, looking at your savings and assets. It's the safety net, checking whether you have enough reserves to make your mortgage payments, even if something unexpected happens. It loves seeing a healthy savings account, a retirement fund, or other assets.

Dear Candidate, We are hiring for US Mortgage Underwriting WFH Any graduate can apply (To Confirm Please Drop a Whatsapp or call on 9205053694 Meenakshi ) ( In case The Number Is Busy, Please Drop A Whatsapp @ 9205053694 Meenakshi ) Underwriter and Sr Underwriter Experience required for the Job: 3+ years Job Location: Mumbai/Chennai/ Bangalore/ Hyderabad Key skills: Underwriting, US mortgage Position Overview Candidate should have total 3+ years of US mortgage underwriting experience Well versed with FNMA. FHLMC, knowledge of GNMA and investor guidelines is an additional benefit Should have good analytical and problem-solving skills Should have decision-making skill when applying in business judgment Evaluate complete loan documents and should provide approval or denial decision Complete review of credit report to verify trade lines, derogatory accounts, public records and credit reconciliation Thorough income calculation Salaried income, business income, retired other income and rental income Complete review of Collateral and property valuation Assets verification include borrowers bank account statement, retirement accounts, mutual funds and other investments. Credit analysis based on borrower’s Income, Asset, Liability and Collateral (4C of Underwriting) to determine the credit worthiness of a customer Validating and processing the Loan documents on behalf a Mortgage lender organization. Evaluating evidence of borrower’s willingness and ability to repay the obligation Good communication, Presentation skills, Self-motivated and hard working About you: Minimum 3 years of Underwriting experience in US Mortgage. 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, etc. (To Confirm Please Drop a Whatsapp or call on 9205053694 Meenakshi ) ( In case The Number Is Busy, Please Drop A Whatsapp @ 9205053694 Meenakshi ) Regards SPARK CONSULTANCY

Dear Candidate, We are hiring for US Mortgage Underwriting WFH Any graduate can apply (To Confirm Please Drop a Whatsapp or call on 9205053694 Meenakshi ) ( In case The Number Is Busy, Please Drop A Whatsapp @ 9205053694 Meenakshi ) Underwriter and Sr Underwriter Experience required for the Job: 3+ years Job Location: Mumbai/Chennai/ Bangalore/ Hyderabad Key skills: Underwriting, US mortgage Position Overview Candidate should have total 3+ years of US mortgage underwriting experience Well versed with FNMA. FHLMC, knowledge of GNMA and investor guidelines is an additional benefit Should have good analytical and problem-solving skills Should have decision-making skill when applying in business judgment Evaluate complete loan documents and should provide approval or denial decision Complete review of credit report to verify trade lines, derogatory accounts, public records and credit reconciliation Thorough income calculation Salaried income, business income, retired other income and rental income Complete review of Collateral and property valuation Assets verification include borrowers bank account statement, retirement accounts, mutual funds and other investments. Credit analysis based on borrower’s Income, Asset, Liability and Collateral (4C of Underwriting) to determine the credit worthiness of a customer Validating and processing the Loan documents on behalf a Mortgage lender organization. Evaluating evidence of borrower’s willingness and ability to repay the obligation Good communication, Presentation skills, Self-motivated and hard working About you: Minimum 3 years of Underwriting experience in US Mortgage. 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, etc. (To Confirm Please Drop a Whatsapp or call on 9205053694 Meenakshi ) ( In case The Number Is Busy, Please Drop A Whatsapp @ 9205053694 Meenakshi ) Regards SPARK CONSULTANCY

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, 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**********************************

Job title SME – Credit Risk Review/Loan Review Experience 8+ years of experience in credit risk review/loan review of commercial credit (CRE, and C&I preferred) with good understanding of risk policies and framework, credit lines, and counterparty credit risk Job duties Conduct independent, high quality, comprehensive reviews of borrowers across a diverse range of Commercial loan portfolios (CRE and C&I preferred) to assess adequacy of credit quality, loan documentation, credit administration, collateral valuations, risk rating accuracy, and compliance with established policies Analyse and interpret borrower specific information, including an independent assessment of repayment capacity, covenant adherence, legal documentation, and industry risk Interpreting and applying regulatory feedback and requirements as well as bank policies and credit standards and evaluate adherence of reviewed credits to these policies, credit standards, risk limits, and regulatory guidance Produce workpapers documenting review findings for internal presentation to bank management and external presentation to Line of Business partners and Regulatory review Qualification CA/CPA/MBA Finance/Graduate in Finance (Accounting) Skills required Strong knowledge of U.S. banking laws and regulations, specifically those which pertain to commercial credit, underwriting, and credit department management Understanding of credit processes, such as loan origination and underwriting; credit policies; portfolio management; allowance for loan and lease losses; loan review and remediation Prior experience with risk ratings, risk rating methodology, and allowance methodology would be a plus Demonstrated experience overseeing and performing credit risk reviews/loan reviews Effective communication skills and the ability to interact with all levels of management with limited supervision Working knowledge of project planning and project management methods and tools

Conduct independent, high quality, comprehensive reviews of borrowers across a diverse range of Commercial loan portfolios (CRE and C&I preferred) to assess adequacy of credit quality, loan documentation, credit administration, collateral valuations, risk rating accuracy, and compliance with established policies Analyse and interpret borrower specific information, including an independent assessment of repayment capacity, covenant adherence, legal documentation, and industry risk Interpreting and applying regulatory feedback and requirements as well as bank policies and credit standards and evaluate adherence of reviewed credits to these policies, credit standards, risk limits, and regulatory guidance Produce workpapers documenting review findings for internal presentation to bank management and external presentation to Line of Business partners and Regulatory review CA/CPA/MBA Finance/Graduate in Finance (Accounting) Strong knowledge of U.S. banking laws and regulations, specifically those which pertain to commercial credit, underwriting, and credit department management Understanding of credit processes, such as loan origination and underwriting; credit policies; portfolio management; allowance for loan and lease losses; loan review and remediation Prior experience with risk ratings, risk rating methodology, and allowance methodology would be a plus Demonstrated experience overseeing and performing credit risk reviews/loan reviews Effective communication skills and the ability to interact with all levels of management with limited supervision Working knowledge of project planning and project management methods and tools

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**********************************

Job Overview: 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: • 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 borrowers 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 Audits 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 4Cs of Underwriting (Asset, Income, Credit and Collateral)

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

The IT Infrastructure Architect role requires a candidate with a solid understanding of infrastructure architecture, industry standards, and best practices methodology. You should be highly motivated with the ability to lead and influence others. Your experience in infrastructure-related roles should demonstrate proven success in large-scale projects. Strong technical design skills are crucial, along with effective communication and collaboration abilities, including successful vendor management. You should be knowledgeable about emerging technologies and the vendor landscape while being able to balance cost against benefits. Understanding business drivers and stakeholder requirements is essential, as is proficiency in documentation and frameworks. Experience in capacity and performance management and application lifecycle management is necessary. You should have hands-on experience and expertise in various infrastructure technologies relevant to organizational needs, such as operating systems software, virtualization, and automation across multiple platforms. Creative thinking and an innovative approach to solution design, implementation, and problem-solving are highly valued. Managing stakeholder expectations, recommending solutions based on requirements, and mediating between infrastructure and delivery/development groups are key responsibilities. Establishing and vetting key vendor relationships, assessing emerging technologies, and guiding the sales team on price vs performance issues are also important aspects of the role. The ideal candidate will have 8-15 years of overall experience in IT infrastructure, with at least 3 years specifically in designing and implementing products or solutions in domains like Enterprise Servers & Storage, Enterprise Networking and Security, or Datacenter. Possessing industry-standard IT infrastructure certifications such as RHCE, MCSE, CCNA, VCP, or CISSP is essential, while PMP or ITIL certification would be advantageous. As an integral part of the Solution Architecturing Team (SAT), the IT Infrastructure Architect will be responsible for designing and delivering end-to-end IT infrastructure solutions for clients. Your role will involve developing technology strategies, creating logical and physical designs, handling multiple infrastructure technologies, and preparing technical documentation. You will work closely with clients at various levels, from capturing technical requirements to presenting solutions to CxO level executives. Collaboration with internal and external partners is crucial to ensure the successful delivery of infrastructure solutions within project timelines. Please note that the above job description is based on the information provided and may be subject to change or modification as per organizational requirements.,