82 Income Calculation Jobs

If you are looking for an exciting opportunity, join us at the Walk-in Drive! HCL is hiring for Associate / Senior Executive roles, and we are conducting a Walk-in Drive in Bengaluru (Karle) . Walk-in Drive Details: Location: HCL TECH, Bengaluru (Karle) ( Address: SEZ hub, DadaMastan Layout, Karle Tech Park, Nagavara, 1, Veeranapalya, Karle Town, Bengaluru, Karnataka 560024) Date: 13 June, Friday Time: 11:00 AM 2:00 PM Contact HR SPOC Vignesh Job Opportunity: Associate / Senior Executive Location: Bengaluru (Karle) Shift Timing: 7:00 AM 5:00 PM (IST) Domain: Australian Mortgage Underwriting Work Model: Work from Office (WFO) Start date : Immediate joiners only Job Summary: The ideal candidate will be responsible for auditing loans underwritten by credit officers to ensure compliance with bank policies, guidelines, and regulatory requirements. This involves reviewing loan applications, assessing documentation accuracy, verifying lending criteria, and identifying any discrepancies. Responsibilities: Analyzing customer financial positions, employment history, credit history, and ability to repay. Understanding and applying the 4 C’s of Credit effectively. Ensuring compliance with regulatory and company guidelines . Assessing credit risk and determining loan approval/decline decisions. Applying lending/credit policy, mortgage insurance guidelines, and risk assessment principles. Communicating with external stakeholders, including Brokers/Lenders . Demonstrating strong customer-centric communication skills . Core Responsibilities: Loan Application Assessment Creditworthiness Evaluation Income Verification Risk Analysis Property Valuation Review Reviewing Loan-to-Value Ratio (LVR) Approval or Declination of Loans Fraud Detection Skills & Qualifications: Knowledge of Responsible Lending Obligations Understanding of APRA and ASIC regulations Strong analytical and financial assessment skills Excellent attention to detail and time management Effective communication & stakeholder management skills Experience with lending policies & procedures Experience with KYC process Qualification & Experience: Education: Bachelor's or Master's degree in any field. Experience: 2+ years in Pre-underwriting, Loan Processing, Mortgage Underwriting, or Post Close Underwriting in Australian, USA, or UK mortgage domains . Must-have: Strong understanding of Australian, US, or UK lending regulations . Added Advantage: Candidates with strong communication experience with onshore clients will have an edge.

ob Title: Process Trainer Reports To (Title): Training Lead Job Location: Bangalore Job Summary: We are seeking an experienced Mortgage trainer, manage multiple training requirements and its implementation and measure its impact. A successful candidate will be passionate about learning and excited about the prospect of leading by example. Job Responsibilities: Requirements : • Past Mortgage Originations experience to design, develop and deliver training with two or more years of experience • Must have excellent presentation skills • Evaluating individual and organizational performance to ensure training is meeting business needs and improving performance • Identifying training needs by consulting with business stakeholders and using needs assessments • Developing and delivering training solutions that meet business needs • Optimizing training processes for efficiency • Manage supply chain in terms of planning, organizing, ensuring high conversion and retention from onboarding new hires till handover to business • Exhibit agility in both method and approach to accommodate planned and ad hoc requirements of the business Competency Requirement (with desired proficiency level): • Communication Skills (Oral and Written) Advanced • Mortgage Domain Expert • Evaluating others – Advanced • Facilitation Skills – Advanced • Instructional Design – Intermediate • People Management – Advanced • Employee Engagement – Advanced • Stakeholder Management - Advanced • Excel Skills – Intermediate • Flexibility, Integrity and Accountability - Expert Additional Requirement: Graduate in any field Experience/certification in Mortgage industry with expertise to loan processing & Initial Underwriting in US Residential Mortgage Contact :8431234240

Roles and Responsibilities Conduct thorough underwriting analysis on US residential mortgage applications, including income calculation and creditworthiness assessment. Review loan-to-value ratios, debt-to-income ratios, and other relevant factors to determine loan eligibility. Collaborate with cross-functional teams to resolve complex underwriting issues and optimize processes for improved efficiency. Desired Candidate Profile 3-8 years of experience in US residential mortgage underwriting or related field (e.g., banking, finance). Strong understanding of income calculation methods and ability to analyze financial data accurately. Proficiency in reviewing loan documents, such as loan statements, tax returns, pay stubs etc. . Excellent analytical skills with attention to detail; ability to work independently with minimal supervision.

Job Title: Mortgage Trainer (Unit Manager Process Training - US Mortage) Job Location : Bangalore/Pune Job Summary: We are seeking an experienced Mortgage trainer, manage multiple training requirements and its implementation and measure its impact. A successful candidate will be passionate about learning and excited about the prospect of leading by example. Mandatory Experience : Training, US Mortgage, Underwriting/ Pre Underwriting, Income Calculations, Loan Orrigination, Credit Report. Job Responsibilities: Requirements : Past Mortgage Originations experience to design, develop and deliver training with two or more years of experience Must have excellent presentation skills Evaluating individual and organizational performance to ensure training is meeting business needs and improving performance Identifying training needs by consulting with business stakeholders and using needs assessments Developing and delivering training solutions that meet business needs Optimizing training processes for efficiency Manage supply chain in terms of planning, organizing, ensuring high conversion and retention from onboarding new hires till handover to business Exhibit agility in both method and approach to accommodate planned and ad hoc requirements of the business Competency Requirement (with desired proficiency level): Communication Skills (Oral and Written) Advanced Mortgage Domain Expert Evaluating others Advanced Facilitation Skills – Advanced Instructional Design – Intermediate People Management – Advanced Employee Engagement – Advanced Stakeholder Management - Advanced Excel Skills – Intermediate Flexibility, Integrity and Accountability - Expert Additional Requirement: Graduate in any field Experience/certification in Mortgage industry with expertise to loan processing & Initial Underwriting in US Residential Mortgage Sincerely, Sonia TS

Role & responsibilities Proficient in automated underwriting tools Minimum 3 years of mortgage origination experience with emphasis in loan processing & Initial Underwriting for US Mortgage in pervious role and overall 6 years experience in leadership role Span control would range from 80 to 200 employees including SMEs, QAs, Asst Team Leads, Team Leads and AM Ability to lead varying levels of skill sets across multiple teams Thorough working knowledge of Fannie Mae and Freddie Mac underwriting guidelines and automated underwriting engines Thorough knowledge of MS Office tools is must. Specifically, MS Excel, MS Word, MS PowerPoint Acts as a champion for the customer/client, ensuring decisions and actions help achieve their goals Ability to manage risks while ensuring optimal value and outcomes are achieved Demonstrate a bias for action and a commitment to achieving sustainable results Demonstrate visible commitment to Mphasis and client core values Ability to develop and align the talent needed to meet business goals Strong analytic, interpersonal, and verbal and written communication skills Detail oriented and goal driven Ability to work in a flexible and production-oriented environment Strong leadership and communication skills Must be able to work in a high stress environment while delivering a high-level of customer service Must be willing and able to work as part of a team Good computer knowledge-paperless environment Candidates must be available to work outside of normal business hours when necessary Document monthly conversation with team members, as well general huddles held, and/or specific feedback/direction given to the team member during implementation and launch. Demonstrate a commitment to diversity and model behaviors which value each individual for their unique contribution and create an environment that allows each team member to reach their potential Essential Job Functions: Ensure routine establishment and daily adherence during implementation of all routines for all roles in the unit structure. Implement and coordinate systems access and all launch requirements for line of business during new unit implementation. Oversee production and quality expectations are sustained to achieve monthly business goals and quality service levels during initial ramp period. Conduct daily pull ups with unit leadership during ramp and implementation to ensure successful launch. During launch and implementation review internal and external audit reports and call monitoring and work with Team Leads/ Quality Analysts/ Trainers to conduct individual coaching or team training as needed; address any concerns with manager/team member, if needed Prepare for, attend, and document client meetings/sessions during implementation and launch. Collaborate and calibrate with other Unit Leaders to ensure work cultures and best practices are unified during implementation and launch. Maintain current knowledge of client scope requirements and processes Address personnel issues with guidance from Site Leader and Human Excellence team, as necessary during launch and implementation. Invoicing to funding sources, including calculation of completed units of service and payroll management, including tabulation of accrued employee benefits Interact with clients on a regular basis for daily operational activities & understand and manage service levels and staffing plan Lead Improvement initiatives on the process & generate reports to analyze the data To ensure process compliance and front end all audits Deliver SLAs using the appropriate agile project management methodology, learning & iterating frequently If interested do share updated resume to ta129@matrixhrservices.com or 9019930479

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.

Role & responsibilities Performing a role of call quality monitoring Understanding quality concepts Listening to calls and update request based on checklist Should be a team player Preferred candidate profile Experience (Pre UW): Senior Underwriter-2 to 4 Years Job description: Loan Application, AUS Review, Credit Report, Credit Supplements, Liability analysis, Ratio calculations, Employment verifications, Income calculations including Salary, self-employment and other income, Title Verification, Appraisal, Insurance, Tax certificates, Borrowers net-worth including Bank statements, Retirement statements and Mutual Funds, Guideline analysis and reserve requirements. Work from Office Night shift Work location-Sholinganallur Chennai Transportation: 1 way Cab Week off: 2 days rotational off Notice Period-Immediate Joiner to 1 Month Walk In Interview Interview Date- 9th June 2025 Time- 10.30 A.M to 1.30 P.M Interview Venue- Wipro Limited-CDC5 468/469, 475/A, Old Mahabalipuram Road, Elcot Sez, Sholinganallur,Chennai

Hiring ... Exp: 2+year Of Experienced Required in US Mortgage, Loan Origination, International Non voice Support Edu: Any Graduate Immediate joiners Only Excellent Communication Required Contact: HR AYESHA 7676529751 (What's App)

Indecomm Global Services is hiring for US Mortgage Underwriter Job Brief We are seeking an experienced Associate/Lead Associate in Mortgage Underwriting who will play a pivotal role in determining the eligibility of loan applicants and authorizing purchases through re-underwrites for lenders. Your responsibilities will include analyzing and verifying loan applications, evaluating financial risks, and making final decisions on eligibility. Working collaboratively with a team of financial experts, you will be instrumental in accepting or declining different types of loans. Roles and Responsibilities: Problem-solving ability by connecting the dots across the loan documentation. Perform end-to-end risk analysis of a loan file. Evaluate loan risk through the verification of loan applications. Maintain a thorough working knowledge of industry standards and guidelines. Ability to interpret and take action for any guideline changes. Reviewing and responding to loan conditions as necessary. Ensuring compliance with regulatory standards. Perform other duties as assigned by Management. Meet daily targets and all SLAs as communicated. Requirements: Graduate in any discipline. At least 2-7 years of relevant experience in the underwriting process. General knowledge of Fannie Mae, Freddie Mac, FHA, and VA guidelines is a plus. Detail-oriented. Adhere to strict timelines prescribed by Management and provide the review experience working in a production environment preferred. Good verbal and written communication skills. Should have good analytical skills and the ability to make decisions based on facts. Competent with MS Office applications, LOS, LMS, and Selling guide navigation. Knowledge of standard mortgage nomenclature. Shift: Should be flexible with both day and night shifts and okay to work over the weekends if required. www.Indecomm.com

Job Title: Due Diligence Underwriter - Day Shift Company Name: Consolidated Analytics Location: Teynampet, Chennai Experience Required: 0.6 months to 6 years Employment Type: Full-Time Shift Timing: Day Shift (Flexible to work in Night Shift) Work Mode: Work from Office Job Description: We are looking for a detail-oriented Due Diligence Underwriter to join our team in Chennai. The ideal candidate will assess mortgage loan applications, review borrower financials, evaluate property appraisals, and ensure compliance with industry standards and regulations. Key Responsibilities: Review and verify mortgage loan applications and supporting documents Analyze borrowers creditworthiness, income, employment, and debt Evaluate credit reports, financial statements, tax returns, and pay stubs Review property appraisals to ensure valuation accuracy Ensure compliance with lending guidelines and regulatory requirements Identify and assess potential risks Desired Candidate Profile: Bachelor's degree in any discipline 6 months to 6 years of experience in mortgage processing underwriting Strong knowledge of mortgage guidelines and industry regulations Proficient in mortgage tools/software Excellent analytical and communication skills Certification in underwriting is a plus Key Skills: Mortgage Underwriting, Loan Review, Credit Analysis, Risk Assessment, Property Valuation, Financial Analysis, Compliance, DTI, LTV, Mortgage Tool Please reach out to these numbers - 7358021675/9384663108

Role & responsibilities Manager - Pre-Underwriting/ Underwriting Job Summary The Managers primary responsibilities include overseeing end to end fulfillment team’s daily, weekly and monthly production goals, while ensuring the level of expected service, and quality and integrity of the loans are maintained. The Manager will be responsible for daily interaction with the Team Managers to ensure pipeline and quality goals are on target, provide support with any challenges or areas of focus, and ensuring opportunities are addressed with a plan identified for success. The Manager will partner with Team managers to ensure that changes are effectively communicated to their teams and as an escalation path for member satisfaction and/or scope clarification or changes. Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills with expertise in US Residential Mortgage Essential Job Functions: Ensure routine establishment and daily adherence during implementation of all routines for all roles in the unit structure. Implement and coordinate systems access and all launch requirements for line of business during new unit implementation. Oversee production and quality expectations are sustained to achieve monthly business goals and quality service levels during initial ramp period. Conduct daily pull ups with unit leadership during ramp and implementation to ensure successful launch. During launch and implementation review internal and external audit reports and call monitoring and work with Team Leads/ Quality Analysts/ Trainers to conduct individual coaching or team training as needed; address any concerns with manager/team member, if needed Prepare for, attend, and document client meetings/sessions during implementation and launch. Collaborate and calibrate with other Unit Leaders to ensure work cultures and best practices are unified during implementation and launch. Maintain current knowledge of client scope requirements and processes Address personnel issues with guidance from Site Leader and Human Excellence team, as necessary during launch and implementation. Invoicing to funding sources, including calculation of completed units of service and payroll management, including tabulation of accrued employee benefits Interact with clients on a regular basis for daily operational activities & understand and manage service levels and staffing plan Lead Improvement initiatives on the process & generate reports to analyze the data To ensure process compliance and front end all audits Deliver SLAs using the appropriate agile project management methodology, learning & iterating frequently Requirements: Proficient in automated underwriting tools Minimum 3 years of mortgage origination experience with emphasis in loan processing & Initial Underwriting for US Mortgage in pervious role and overall 6 years’ experience in leadership role Span control would range from 80 to 200 employees including SMEs, QAs, Asst Team Leads, Team Leads and AM Ability to lead varying levels of skill sets across multiple teams Thorough working knowledge of Fannie Mae and Freddie Mac underwriting guidelines and automated underwriting engines Thorough knowledge of MS Office tools is must. Specifically, MS Excel, MS Word, MS PowerPoint Acts as a champion for the customer/client, ensuring decisions and actions help achieve their goals Ability to manage risks while ensuring optimal value and outcomes are achieved Demonstrate a bias for action and a commitment to achieving sustainable results Demonstrate visible commitment to Mphasis and client core values Ability to develop and align the talent needed to meet business goals Strong analytic, interpersonal, and verbal and written communication skills Detail oriented and goal driven Ability to work in a flexible and production-oriented environment Strong leadership and communication skills Must be able to work in a high stress environment while delivering a high-level of customer service Must be willing and able to work as part of a team Good computer knowledge-paperless environment Candidates must be available to work outside of normal business hours when necessary Document monthly conversation with team members, as well general huddles held, and/or specific feedback/direction given to the team member during implementation and launch. Demonstrate a commitment to diversity and model behaviors which value each individual for their unique contribution and create an environment that allows each team member to reach their potential For more details please reach out Menaga-9019730400

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

Role & responsibilities Good in Excel Knowledge of MS Office. Knowledge of SQL will be an added advantage Knowledge of MIS and Data Management Excellent coordination and communication skills Ability to prepare delivery files, Data Manipulation Making MIS Reports on collated data Ensure accuracy and timeliness of reports/delivery sent Good Interpersonal skills Exemplary ability to meet deadlines Proficient with Excel Formulas such as Pivot Table, V-lookup, H-lookup, Conditional formatting, Count IF, Sum IF, and other basic formulas Ability to work in a team environment

Seeking a Team Leader or Assistant Manager - Process Training (US Residential Mortgage Underwriting) to lead and enhance our training initiatives within the given accounts. In this role, you will oversee the development and execution of comprehensive domain training programs, designed to improve training efficiency and support process goals. You will collaborate with various departments to ensure training programs align with business needs and drive continuous improvement. Training Development and Management: Design and implement domain training programs tailored to organizational needs, ensuring effective delivery and measurable outcomes. Domain: US Residential Mortgage Underwriting Needs Assessment: Partner with respective training leaders to assess domain training needs, identify process gaps, and propose solutions. Program Evaluation: Analyze training program effectiveness using feedback, assessments, and performance data to drive improvements. Content Creation: Develop and refine training materials, including manuals, e-learning modules, and interactive sessions. Produce customized training resources, including manuals, case studies, simulations, and role-playing scenarios, to equip employees with the tools they need to effectively upskill themselves in domain. Stakeholder Engagement: Engage with senior management and key stakeholders to ensure alignment of training programs with business objectives. Vendor Management: Engage with various vendors providing training to gauge and leverage niche domain expertise that may be required time to time. Process Improvement: Identify and integrate best practices into training programs to enhance process efficiency and effectiveness. Reporting: Prepare and present detailed reports on training activities, outcomes, and areas for development. Qualifications Project and Training Management Experience is a must. Strong Domain US Residential Mortgage Underwriting, entire value chain across originations Good with Microsoft Office Strong with MIS reporting Strong analytical and operations management skills Client focused with superior written and verbal communication skills. Ability to work under pressure in a faced paced environment with limited structure. Track record in designing and executing successful training programs Familiarity with traditional and modern training methods (mentoring, coaching, on-the-job or in classroom training, e-learning, workshops, simulations etc.) will be added advantage Should be ok to work in US Shifts WFO Setup

Due Diligence - US Residential Mortgage Underwriters career@qright.in 20 positions Any degree with 1 - 7 years UW exp. upto 7 LPA Resp: Loan Application (1003, 1008) Review: Credit and Financial Analysis: Property Valuation Review:

Job Role : Team lead -US Mortgage Loan Origination (Pre Underwriter) Job Location : Pune ( Work from Office) only Company name : M.Phasis (https://www.mphasis.com) Experience : 3+ years in US Mortgage Loan Origination, Pre Underwriter + Income Calculation and at least 1+ yrs experience in Team Handling Mode of Interview : 2 rounds (virtual Discussion) Shift : Night shift Required Skills : Should have Experience At least 1+ yrs in Team handling Should have Experience in Pre Underwriting Should have Experience in US mortgage loan origination Pre Underwriting + income Calculation Should be flexible to support the team 24*7 Should be flexible for WFO permanently Should have Good Communication Skills both written & verbal. Should be available for Night shift Should have Good knowledge of Excel (Core Statistics, Trend Analysis, Trending, Ratio Analysis, Formulas etc. Should have Good planning skills Prior team handling experience is a must Good understanding of key back-office operations metrics Good analytical skill Job Summary Team Leader will be responsible for performing a variety of loan documentation duties on complex loan packages and ensure compliance with policies and procedures for loan products. 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: • Ensure the SLA's and KPI Targets as specified by the client are met consistently • Demonstrate strong process knowledge and lead process changes / improvement with end to end understanding of Product • Conduct huddle/ trainings for process changes / areas of improvement at defined intervals • Review and respond to client escalations, Team Queries, and support team as Subject Matter Expert • Coaching and developing team members to drive performance and behaviors, including providing the Services in accordance with the Performance Standards and the Service Levels. • Strong attention to detail and comprehension of various control reports • Deliver on CSAT targets External/ Internal and ensure that customer engagement is always in ‘Promoter’ zone • Comply to all ISO & ISMS related protocols • Preparing service quality plan including quality control, assurance & improvement for the agents to create comprehensive quality program for the process • Maintain staffing requirements as specified from time to time • Control attrition through employee engagement activities • Leading and participating in projects; • Ensuring alignment between Client and delivery team by regularly attending calibration/coaching excellence sessions • Monitoring results and KPI data to drive performance and Team member behaviors including team goals • Conduct periodic appraisals of team members • Publish daily, weekly & Monthly reports • Engage with different departments within the organization (HR, Recruitment, Admin, Transport etc...) to ensure smooth functioning of the process. • Identify portfolio risks resulting from the client's underlying business practices Requirements: This role requires a wide variety of strengths and capabilities, including: • Should be graduate from recognized university • Mandatory 2 years of US Mortgage experience in Origination specifically Pre Underwriting / Conditions review • Prior team handling experience is a must • Strong command of the English language, along with analytic, interpersonal, and verbal and strong written communication skills • Ability to work in a flexible and production-oriented environment • Good interpersonal skills • Good understanding of key back-office operations metrics • Good analytical skill • Good knowledge of Excel (Core Statistics, Trend Analysis, Trending, Ratio Analysis, Formulas etc.) • Good planning skills • Good balance between people, process & clients • Good client management & relationship building skills • Ability to work in 24/7 process and mostly in US based shift pattern • Open to Work from Office Salary : Up to 25% to 30% hike from current CTC + Incentives Budget: Upto 10 LPA (Negotiable) *Cab facility is given for both way* Notice Period : Immediate to 30 days If you have any reference Contact 84312 34240

Review and analyze 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. 9500996913 Required Candidate profile • Degree or Equivalent • Minimum 2 years of experience in US Mortgage Residential Live Underwriting • Well-versed with all 4C’s of Underwriting (Asset, Income, Credit and Collateral min into.

Role & responsibilities Good experience in live underwriting and Income calculation. hands-on experience in End to End underwriting Evaluate the value of the property being financed to ensure it aligns with the loan amount requested. Identify and assess potential risks associated with the loan, considering factors like loan-to-value ratio, loan type, and applicant's financial situation. Ensure compliance with lender guidelines, industry regulations, and government regulations. Based on the analysis and risk assessment, make a decision to approve, deny, or conditionally approve the loan application. Generate detailed underwriting reports and documentation to support their decisions. Communicate effectively with loan officers, borrowers, and other stakeholders, addressing questions and providing updates. Stay up-to-date with changes in lending regulations, industry trends, and underwriting practices. Monitor the performance of approved loans and provide regular updates to management. For more details please reachout Menaga-9019730400

Job description: - Position: Credit Manager Secured Loans Product: Home Loan and LAP Job Locations:-Mathura Mode of interview-Virtual Job Type: REMOTE 1. Will Handel assigned location for Housing & Mortgages loan. 2. Manage team of Analysts & Ensuring that decision to be done at Benchmark TAT. 3. To Build up Healthy and sound portfolio . 4. Responsible for Underwriting of Home loan/loan against property files sourced by sales team and preparing the required proposal document detailing the loan eligibility. 5. Revert on post sanction conditions prior to disbursement based on queries raised by the team. 6. Provide recommendation on complex cases to supervisors for seeking necessary decision based on deviation/ approval matrix. 7. Co-ordinate and communicate with different departments. 8. Maintain TAT as per guidelines. 9. Adhere to the policy/ process laid out by the Central team on all loan applications being processed. 10. Closely monitor on non-starters/first EMI bounce trends. Ensure compliance on all aspects stipulated by company and regulatory committees. 11. Maintain and report various MIS to monitor portfolio performance and risk. 12. Continuously improve underwriting capability based on portfolio performance. 13. Understating the PD of affordable product 14. Must also have strong Excel and PowerPoint skills 15. Prior Credit experience of working in Banks/NBFCs/DSAs in the Home Loans, Loan against property or business loans. 16. Understanding of income assessment programs, legal and technical of property and client profiling. Qualification and Experience: A. Any graduate or equivalent, MBA preferred/commerce graduate preferred. B. Minimum 4-5 years experience in Credit department of Banks, NBFCs, C. Credit manager, branch Note: up to 45days notice period will be considered Contact for More Information HR SUSHMA-7009449677

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 : Chennai and Delhi CTC Range : Upto 15 LPA (Lakhs Per Annum) Notice period : Immediate to 60 Days Shift Timing : US Shift Mode of Interview : Walk-in (Pune) Mode of Work : Work from Home Thanks & Regards, Amala Subject Matter Expert Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 080-67432458 Send Resumes to amala@blackwhite.in www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

Role: Sr. Team Lead/Manager Minimum 6+ yrs of expr into US Mortgage underwriting Location:Pune/Jaipur must expr into all types of income skillset product types of loans (FHA, VA, USDA and conventional) Salary: SME:8.5 LPA TL: 10.5 LPA Manager:18 LPA Required Candidate profile managing 20+ FTE's for TL / 50+ FTE's Manager

Job Title : Pre - Purchase Review Qualification : Any Graduate and Above Relevant Experience : 2 to 6 years Must Have Skills : 1.Basic Degree completion with Experience in Mortgage Origination 2.Minimum 2 years in Due Diligence and 5 Years Mortgage experience 3.Should be flexible working in night shifts 4.Open to working extended periods/weekends when necessary 5.Computer Skills - comfortable with MS office 6.Good written and oral communications skills in English Roles and Responsibilities : 1.Knowledge of Loan Origination Cycle- Loan Application, Origination, Due Diligence, Pre-Purchase Review or Underwriting process 2.Knowledge of different types of mortgages and its functioning and ability to read various documents involved in Closing, Funding and Underwriting 3.Good communication skills (Written and Verbal) are required to understand and communicate with the vendors/clients 4.Strong Customer Service Skills, Detail Oriented with good analytical skills and have the ability to make decisions based on the situation 5.Good email etiquette and listening skills 6.Ability to analyze the numbers and reconcile the data if required as per the clients Requirements. 7.Experience with reporting and analysis 8.Ability to handle and accomplish multiple tasks and resolve it and must be a team player 9.Experience working in a team-oriented, collaborative environment 10.Should be able to effectively use a computer Location : Pune CTC Range : 4 to 8.5 LPA (Lakhs Per Annum) Notice Period : 30 Days Mode of Interview : Face To Face Shift Timing : Night Shift Mode of Work : Work From Office Thanks & Regards, Hemalatha HR Analyst Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 080-67432418/Whatsapp @9900261540 hemalatha.c@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

Dear Applicant Greetings from Brace Infotech We have multiple positions open for Live Underwriter Role with one of our client for Permanent Role Details are as mentioned below: Work Location: Chennai & Bangalore[Work from office] Other States - Remote [WFH] Role : UW/Sr UW Skill Set : E2E Underwriter, Income Review Specialist, Collateral Underwriter, Non-QM Underwriter, Shift: Should be flexible to work in night shifts Experience: Minimum 2 Years in Live Underwriting Roles and Responsibilities Perform live underwriting reviews of loan applications to ensure compliance with regulatory guidelines and company policies. Collaborate with cross-functional teams to resolve complex underwriting issues and improve overall process efficiency. Conduct thorough income calculations for US residential mortgages using various software tools Please revert with your updated resume if the job requirement interests you Regards Pramitha

Job Title : Pre - Purchase Review Qualification : Any Graduate and Above Relevant Experience : 2 to 6 years Must Have Skills : 1.Basic Degree completion with Experience in Mortgage Origination 2.Minimum 2 years in Due Diligence and 5 Years Mortgage experience 3.Should be flexible working in night shifts 4.Open to working extended periods/weekends when necessary 5.Computer Skills - comfortable with MS office 6.Good written and oral communications skills in English Roles and Responsibilities : 1.Knowledge of Loan Origination Cycle- Loan Application, Origination, Due Diligence, Pre-Purchase Review or Underwriting process 2.Knowledge of different types of mortgages and its functioning and ability to read various documents involved in Closing, Funding and Underwriting 3.Good communication skills (Written and Verbal) are required to understand and communicate with the vendors/clients 4.Strong Customer Service Skills, Detail Oriented with good analytical skills and have the ability to make decisions based on the situation 5.Good email etiquette and listening skills 6.Ability to analyze the numbers and reconcile the data if required as per the clients Requirements. 7.Experience with reporting and analysis 8.Ability to handle and accomplish multiple tasks and resolve it and must be a team player 9.Experience working in a team-oriented, collaborative environment 10.Should be able to effectively use a computer Location : Pune CTC Range : 4 to 8.5 LPA (Lakhs Per Annum) Notice Period : 30 Days Mode of Interview : Face To Face Shift Timing : Night Shift Mode of Work : Work From Office Thanks & Regards, Monika HR Analyst Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 080-67432491/Whatsapp @9916116145 monika.j@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

Job Title : Pre - Purchase Review Qualification : Any Graduate and Above Relevant Experience : 2 to 6 years Must Have Skills : 1.Basic Degree completion with Experience in Mortgage Origination 2.Minimum 2 years in Due Diligence and 5 Years Mortgage experience 3.Should be flexible working in night shifts 4.Open to working extended periods/weekends when necessary 5.Computer Skills - comfortable with MS office 6.Good written and oral communications skills in English Roles and Responsibilities : 1.Knowledge of Loan Origination Cycle- Loan Application, Origination, Due Diligence, Pre-Purchase Review or Underwriting process 2.Knowledge of different types of mortgages and its functioning and ability to read various documents involved in Closing, Funding and Underwriting 3.Good communication skills (Written and Verbal) are required to understand and communicate with the vendors/clients 4.Strong Customer Service Skills, Detail Oriented with good analytical skills and have the ability to make decisions based on the situation 5.Good email etiquette and listening skills 6.Ability to analyze the numbers and reconcile the data if required as per the clients Requirements. 7.Experience with reporting and analysis 8.Ability to handle and accomplish multiple tasks and resolve it and must be a team player 9.Experience working in a team-oriented, collaborative environment 10.Should be able to effectively use a computer Location : Pune CTC Range : 4 to 8.5 LPA (Lakhs Per Annum) Notice Period : 30 Days Mode of Interview : Face To Face Shift Timing : Night Shift Mode of Work : Work From Office Thanks & Regards, Amulya G Senior HR Analyst Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 080-67432435/Whatsapp @6366979339 amulya.g@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************