Senior US Mortgage Underwriter Talent Bridge

5.0 - 9.0 years

0 Lacs

maharashtra

On-site

As a Senior Frontline Underwriter for Residential Mortgages, you will be responsible for reviewing and verifying all loan applications and supporting documents. Your role will involve analyzing credit, income, and asset documentation, including 1040s, K1s, bank statements, and other financial records. It will be crucial to identify risks and inconsistencies within mortgage loan files and perform both AUS (such as DU, LP) and manual underwriting. Additionally, you will run and analyze fraud detection reports using tools like Fraud Guard, Fraud Manager, and DRIVE to ensure the integrity of the underwriting process. Your expertise in maintaining compliance with agency guidelines such as FHA, VA, FNMA, FHLMC, and USDA, as well as applying internal credit policies, TRID, and mortgage regulatory standards, will be essential. You will be expected to accurately document underwriting decisions, communicate conditions or declinations, and uphold high-quality output with minimal supervision under strict timelines. Collaboration with internal teams and professional responses to client inquiries will also be part of your responsibilities. To excel in this role, you should possess a minimum of 5+ years of recent US Residential Mortgage underwriting experience. A strong understanding of FHA, VA, FNMA, FHLMC, USDA guidelines, and Non-QM products is required. Proficiency in compliance, disclosures, closing documentation, or post-close due diligence, along with excellent analytical and documentation skills, will be beneficial. Familiarity with LOS platforms like Encompass, BytePro, Calyx, Empower, and Lending QB, as well as a deep understanding of US mortgage regulatory changes and TRID, are essential. Your ability to thrive in high-volume environments, meet deadlines, and demonstrate exceptional communication (both verbal and written) and time-management skills will contribute to your success in this role. Preferred qualifications include experience in underwriting Jumbo and Bank Statement programs, exposure to third-party fraud tools like Fraud Guard, Fraud Manager, and DRIVE, and a strong knowledge of US mortgage processes and investor guidelines.,

Posted 5 days ago

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