82 Income Calculation Jobs - Page 3

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. Interview Location : Chennai CTC Range : Upto 15 LPA (Lakhs Per Annum) Notice period : Immediate to 60 Days Shift Timing : US Shift Mode of Interview : Walk-in Mode of Work : Work from Home Thanks & Regards, Lakshmi PS HR Analyst Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 080-67432489 | WhatsApp 7892150019 lakshmi.p@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

About Client Hiring for One of the Most Prestigious Multinational Corporations!! Job Description : Job Title : Loan Origination Qualification : Any Graduate and Above Relevant Experience : 1 to 6 years Must Have Skills : 1. Excellent written and oral communications skills. 2. Completed minimum of 6 Months in US Mortgage Voice Process 3. Good exposure to MS office Excel 4. Not on performance improvement plan / Counselling in last 6 months 5. Tax returns 6. Income statements 7. Identification documents Good Have Skills : NA Roles and Responsibilities : 1. Reviewing all documentation submitted by the borrower, including income statements, asset statements, tax returns, and identification documents 2. Verifying the accuracy and completeness of each document according to lending guidelines and regulatory requirements. 3. Following up with the borrower or relevant third parties to obtain any missing or additional documentation necessary to complete the loan file 4. Communicating with loan officers, underwriters, and borrowers to address questions, discrepancies, or issues related to documentation. 5. Answering or making calls to borrowers & employers 6. Responding efficiently and accurately to employers and clients. 7. Obtain the information and document it in a client system. 8. Meet TAT and Quality matrix 9. Handle escalations, investigate and eliminate root causes and handle reporting requests to support decision making. 10. Support Managers in critical decisions making in the process which can be valuable in improving efficiency or quality. 11. Lead by Example. Ensure the working environment is stable and people feel motivated to participate and get involved. Location : Bangalore CTC Range : 3 LPA to 4.5 LPA (Lakhs Per Annum) Notice Period : Immediate Mode of Interview : Virtual Shift Timing : Night Shift Mode of Work : Work From Office Thanks & Regards, Chaitanya HR Analyst Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 080-67432445 / WhatsApp @ 8431371654 chaitanya.d@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

Job description We Are Hiring for End to end Live Underwriter / Sr. Underwriter Languages req: Excellent English communication Requirement -: Min 3 years exp into End to end live underwriting Location : WFH Salary : upto 11L Notice period :upto 1m 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 borrowers 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 borrowers 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. Interested candidates can share Call or whatsapp resumes to Manya @ 9606553811 Or email your resumes to Careers@glympsehr.com

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. Interview Location : Chennai CTC Range : Upto 15 LPA (Lakhs Per Annum) Notice period : Immediate to 60 Days Shift Timing : US Shift Mode of Interview : Walk-in Mode of Work : Work from Home Thanks & Regards, Monika HR Analyst Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number & WhatsApp 9916116145 monika.j@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 : 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. Interview Location : Chennai CTC Range : Upto 15 LPA (Lakhs Per Annum) Notice period : Immediate to 60 Days Shift Timing : US Shift Mode of Interview : Walk-in Mode of Work : Work from Home Thanks & Regards, Darini HR Analyst Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 080-67432492 | WhatsApp 9591269435 darini@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

About Client Hiring for One of the Most Prestigious Multinational Corporations!! Job Description : Job Title : Loan Origination Qualification : Any Graduate and Above Relevant Experience : 1 to 6 years Must Have Skills : 1. Excellent written and oral communications skills. 2. Completed minimum of 6 Months in US Mortgage Voice Process 3. Good exposure to MS office Excel 4. Not on performance improvement plan / Counselling in last 6 months 5. Tax returns 6. Income statements 7. Identification documents Good Have Skills : NA Roles and Responsibilities : 1. Reviewing all documentation submitted by the borrower, including income statements, asset statements, tax returns, and identification documents 2. Verifying the accuracy and completeness of each document according to lending guidelines and regulatory requirements. 3. Following up with the borrower or relevant third parties to obtain any missing or additional documentation necessary to complete the loan file 4. Communicating with loan officers, underwriters, and borrowers to address questions, discrepancies, or issues related to documentation. 5. Answering or making calls to borrowers & employers 6. Responding efficiently and accurately to employers and clients. 7. Obtain the information and document it in a client system. 8. Meet TAT and Quality matrix 9. Handle escalations, investigate and eliminate root causes and handle reporting requests to support decision making. 10. Support Managers in critical decisions making in the process which can be valuable in improving efficiency or quality. 11. Lead by Example. Ensure the working environment is stable and people feel motivated to participate and get involved. Location : Bangalore CTC Range : 3 LPA to 4.5 LPA (Lakhs Per Annum) Notice Period : Immediate Mode of Interview : Virtual Shift Timing: Night Shift Mode of Work : Work From Office -- Thanks & Regards, Lavanya HR Senior Analyst- TA-Delivery Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 080-67432432/Whats app @8971300575 | lavanya.shiva@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

About Client Hiring for One of the Most Prestigious Multinational Corporations!! Job Description : Job Title : Loan Origination Qualification : Any Graduate and Above Relevant Experience : 1 to 6 years Must Have Skills : 1. Excellent written and oral communications skills. 2. Completed minimum of 6 Months in US Mortgage Voice Process 3. Good exposure to MS office Excel 4. Not on performance improvement plan / Counselling in last 6 months 5. Tax returns 6. Income statements 7. Identification documents Good Have Skills : NA Roles and Responsibilities : 1. Reviewing all documentation submitted by the borrower, including income statements, asset statements, tax returns, and identification documents 2. Verifying the accuracy and completeness of each document according to lending guidelines and regulatory requirements. 3. Following up with the borrower or relevant third parties to obtain any missing or additional documentation necessary to complete the loan file 4. Communicating with loan officers, underwriters, and borrowers to address questions, discrepancies, or issues related to documentation. 5. Answering or making calls to borrowers & employers 6. Responding efficiently and accurately to employers and clients. 7. Obtain the information and document it in a client system. 8. Meet TAT and Quality matrix 9. Handle escalations, investigate and eliminate root causes and handle reporting requests to support decision making. 10. Support Managers in critical decisions making in the process which can be valuable in improving efficiency or quality. 11. Lead by Example. Ensure the working environment is stable and people feel motivated to participate and get involved. Location : Bangalore CTC Range : 3 LPA to 4.5 LPA (Lakhs Per Annum) Notice Period : Immediate Mode of Interview : Virtual Shift Timing: Night Shift Mode of Work : Work From Office -- Thanks & Regards, Niveditha HR Senior Analyst- TA-Delivery Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 080-67432437/Whats app @9901039852| niveditha.b@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

Job Title : Loan Origination Qualification : Any Graduate and Above Relevant Experience : 1 6 years Must Have Skills : 1.Excellent written and oral communications skills. 2.Completed minimum of 6 Months in US Mortgage Voice Process 3.Good exposure to MS office Excel 4.Not on performance improvement plan / Counselling in last 6 months 5.Tax returns 6.Income statements 7.Identification documents Good Have Skills : NA Roles and Responsibilities : 1.Reviewing all documentation submitted by the borrower, including income statements, asset statements, tax returns, and identification documents 2.Verifying the accuracy and completeness of each document according to lending guidelines and regulatory requirements. 3.Following up with the borrower or relevant third parties to obtain any missing or additional documentation necessary to complete the loan file 4.Communicating with loan officers, underwriters, and borrowers to address questions, discrepancies, or issues related to documentation. 5.Answering or making calls to borrowers & employers 6.Responding efficiently and accurately to employers and clients. 7.Obtain the information and document it in a client system. 8.Meet TAT and Quality matrix 9.Handle escalations, investigate and eliminate root causes and handle reporting requests to support decision making. 10.Support Managers in critical decisions making in the process which can be valuable in improving efficiency or quality. 11.Lead by Example. Ensure the working environment is stable and people feel motivated to participate and get involved. Location : Bangalore CTC Range : 3 5 LPA (Lakhs Per Annum) Notice Period : Immediate Mode of Interview : Virtual Shift Timing : Night Shift Mode of Work : Work From Office Thanks & Regards, Darini HR Analyst Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 080-67432442 | WhatsApp 9591269435 darini@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

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: Thursday, 8th May Time: 11:00 AM 2:00 PM Contact HR SPOC Vignesh Baskaran 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. Preferred candidate profile

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

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 borrowers 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 borrowers 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. Immediate joining is required or short notice period id required.

Role & responsibilities Good Experience in Live underwriting and Income calculation is mandatory. Good Knowledge in US Mortgage Underwriting is mandatory. Initial 3 to 4 months (WFO) and post 3 to 4 months (WFH). Should be Ready to Relocate to Pune or Chennai at least for 3 to 4 months. Good Knowledge in End to End Underwriting. Good Knowledge in reviewing of Credit report and Public report. 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. Reference is also welcomed. If you are interested, please apply for the job and contact 8431234240.

Roles and Responsibilities Review loan applications to determine creditworthiness of borrowers. Analyze financial statements, tax returns, and other relevant documents to assess borrower's credit risk. Conduct thorough analysis of applicant's financial situation using various tools such as DTI ratios, FICO scores, etc. Verify income documentation through employment verification calls or third-party vendors. Make informed decisions on approving or denying loans based on risk assessment. Desired Candidate Profile 1-6 years of experience in mortgage underwriting with a focus on conventional loans (FHA & VA). Strong understanding of US residential mortgage industry regulations and guidelines. Proficiency in analyzing complex financial data using software like Loan Origination Systems (LOS) or similar platforms. call hr aditi@7795311459 call Nihala@7795311104 call Ruth@9590520040

Roles and Responsibilities Review loan applications to determine creditworthiness of borrowers. Analyze financial statements, tax returns, and other relevant documents to assess borrower's credit risk. Conduct thorough analysis of applicant's financial situation using various tools such as DTI ratios, FICO scores, etc. Verify income documentation through employment verification calls or third-party vendors. Make informed decisions on approving or denying loans based on risk assessment. Desired Candidate Profile 1-6 years of experience in mortgage underwriting with a focus on conventional loans (FHA & VA). Strong understanding of US residential mortgage industry regulations and guidelines. Proficiency in analyzing complex financial data using software like Loan Origination Systems (LOS) or similar platforms. call hr Aditi@7795311459 call hr ruth@9590520040

HCLTech is hiring for Mortgage Underwriters - 31st Mar to 2nd Apr Designation: Associate & Analyst Process: US Mortgage Post Close Review Level of Experience : 2 Year and above in relevant field (With proper documents) Qualification: Any Graduate Interview Location- HCL Technologies Ltd. ETA 1- Techno Park, Special Economic Zone, 33, Rajiv Gandhi Salai, Navallur Village and Panchayat, Thiruporur Panchayat Union, Navallur, Tamil Nadu 603103 Interview Date - 31st Mar to 1st Apr Interview Timing- 3:30 to 5:30 PM (2nd round of interview will happen post 6 PM) Contact Person- Deepthi Sai Looking for immediate joiners to less than 15 days notice. Roles and Responsibilities: 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. 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 Should have experience in Income Calculations Should possess analytical skills in reviewing the LTV/CLTV 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 Test system updates as well as system changes as they occur Complete required trainings and assessments Ensure the appropriate and confidential handling / sharing of sensitive client data. Ensure all policies, procedures and guidelines are followed. Required Skills: Experience in Post Close Review/Under Writing/Other areas of Mortgages US Mortgage Experience in Either Post Close Review/ underwriting/Compliance/ Post offer Completion & Core Servicing In depth knowledge of GSE, Fannie Mae, Freddie Mac guidelines and requirements Should have recent 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 Good communication skills Good with Numerical abilities & Logical reasoning Exposure to MS Office Multi Tasking Perks: Shift: Night, 5 Days WFO (Mon-Fri 6:00 pm to 4:00 am IST) Cab Facility: Male Both Pickup and Drop available within 25 kilometer from ETA Navalur location Female - Both Pickup and Drop available

Job Overview: Underwriter Job Roles and Responsibilities: Candidate should have minimum 5 years of UW experience Well versed with FNMA. FHLMC and investor guidelines, able to review and locate exact guidelines for decision making Should have good analytical and problem-solving skills Manage end-to-end underwriting processes, primarily focusing on conventional loans, Closed End Second and VA IRRRL Accurately calculate different Income types such as Salaried, Self-Employment, other income and rental income for loan decisioning Should have decision-making skill when applying in business judgment based on Underwriting review 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, calculate HTI/DTI Complete review of Collateral and property valuation to identify physical and market conditions of property Assets verification includes borrowers bank account statement, retirement accounts, mutual funds and other investments. Identify red flags, large deposits, regular deductions on bank statement Apply expertise in the 4Cs of underwriting (Credit, Capacity, Collateral, and Capital) Evaluating evidence of borrowers willingness and ability to repay the obligation Good communication, Presentation skills, Self-motivated and hard working Able to review investor guidelines (Allregs FNMA & Freddie) and client overalls Qualification & Experience Educational qualification and years of experience required in any specific domain/skill for the role: Should have completed Graduation or equivalent degree Good UW knowledge Should have minimum 3-5 years of UW experience Should have good Written and verbal communication Skills

We are hiring for Us mortgage // underwriter :- Need min 1+ years of experience into underwriting and mortgage Work mode - Work from home ( hybrid ) 5 days working // Rotationals shifts Qualifications education - Bachelors in any stream. Package upto - 6 to 6.5 lpa Location - Gurgaon. Knowledge// skills :- Experienced mortgage professional with 1+ years in US mortgage underwriting Has a complete understanding of conventional, FHA and VA underwriting guidelines Has working knowledge of real estate lending criteria and federal, state and agency compliance. Respond positively to feedback and redirection Fully utilize systems , tools training and resources provided to maximize potential Meeting the daily SLA requirement Meeting the daily Quality requirements Strong organization and verbal and written communications skills.

Hi, Greetings from Adecco ! We are hiring for Live Underwriter-US Mortgage for Bangalore Location Mode of work:- Remote Mode of Interview:-Walk in Interview at Bangalore Office Date of Interview:- 1st, 2nd, 3rd and 4th April 2025 at Bangalore Location Job Role & responsibilities:- 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. 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. 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. Key Skills & experience required:- Experience of min 3 years in Live Underwriting. Minimum 3 years of experience in conventional/govt end to end underwriting. Well-versed with all 4Cs of Underwriting (Asset, Income, Credit and Collateral) Candidate must have experience in live underwriting & Real Time Analysis . Excellent at Income Calculation and Debt-to-Income(DTI) Ratio Calculation. Expertise in 4C's framework (Credit, Capacity, Collateral and Capital), Familiar in Credit report Analysis & LOX (Letter of Explanation). Knowledge on Residential Mortgage- Credit Bureau, Documents to approve the loan, Familiar with different account types Should be comfortable for Night shifts Immediate Joiners will be preferred only Interested candidates kindly share your CV and below details to usha.sundar@adecco.com 1) Present CTC (Fixed + VP) - 2) Expected CTC - 3) No. of years experience - 4) Notice Period - 5) Offer-in hand - 6) Reason of Change - 7) Present Location

Roles and Responsibilities Review loan applications to determine creditworthiness of borrowers. Analyze financial statements, tax returns, and other relevant documents to assess borrower's credit risk. Conduct thorough analysis of applicant's financial situation using various tools such as DTI ratios, FICO scores, etc. Verify income documentation through employment verification calls or third-party vendors. Make informed decisions on approving or denying loans based on risk assessment. Desired Candidate Profile 1-6 years of experience in mortgage underwriting with a focus on conventional loans (FHA & VA). Strong understanding of US residential mortgage industry regulations and guidelines. Proficiency in analyzing complex financial data using software like Loan Origination Systems (LOS) or similar platforms. call@7816842400 call@7849020010 call@7848820045 call@7848820048

Hi, We have vacancy for Under writing for Only Bangalore location . Pls check & call if you are interested to relocate Bangalore location. Immediate joining is required or short notice of 15 days is required. Salary upto 8.5 LPA + Relocation Bonus of 14k to relocate Bangalore will be provided. Should have 3-4 years of experience in Underwriting is required. Good communication is required. Immediate joining is required.

Hi, We have vacancy for Under writing for Only Bangalore location . Pls check & call if you are interested to relocate Bangalore location. Immediate joining is required or short notice of 15 days is required. Salary upto 8.5 LPA + Relocation Bonus of 14k to relocate Bangalore will be provided. Should have 3-4 years of experience in Underwriting is required. Good communication is required. Immediate joining is required.

About Client : Hiring for one of our multinational corporations! Job Title : Live Underwriters Qualification : Any Graduate or Above Relevant Experience : 5 to 10 Years Must Have Skills : 1. Live underwriting 2. 4Cs 3.Capital 4.Collateral 5.Capacity 6.Credit & Income 7.Residential Underwriting Good To Have Skills : 1. US Live Underwriting 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. Location : Bangalore CTC Range : Up to 15.5 LPA (Lakhs Per Annum) Notice period : Immediate - 15 Days Shift Timing : US Shift Mode of Interview : Walkin Mode of Work : Work From Office -- Thanks & Regards, Lakshmi PS HR Analyst Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 080-67432489 | WhatsApp 7892150019 lakshmi.p@blackwhite.in | www.blackwhite.in *************Please refer your Friends***************

About Client : Hiring for one of our multinational corporations! Job Title : Live Underwriters Qualification : Any Graduate or Above Relevant Experience : 5 to 10 Years Must Have Skills : 1. Live underwriting 2. 4Cs 3.Capital 4.Collateral 5.Capacity 6.Credit & Income 7.Residential Underwriting Good To Have Skills : 1. US Live Underwriting 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. Location : Bangalore CTC Range : Up to 15.5 LPA (Lakhs Per Annum) Notice period : Immediate - 15 Days Shift Timing : US Shift Mode of Interview : Walkin only Mode of Work : Work From Office -- Thanks & Regards, Darini HR Analyst Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 080-67432432 | WhatsApp 9591269435 darini@blackwhite.in | www.blackwhite.in *************Please refer your Friends***************

Mega walk-In Drive for US residential mortgage at Chennai location Interview Location - ETA 3 ,Techno Park : 33, Rajiv Gandhi Salai, Navallur Village and Panchayat, Thiruporur Panchayat Union, Tamil Nadu 603103, India. Interview Date- 25th March 25 - 28th March 25 Interview Timings- 11AM -2PM HR Contact details- Dharani & Ida JOB DESCRIPITION Work Place - No. 602/3/138, Special Economic Zone ,Elcot-Sez, Medavakkam High Road ,Sholinganallur, Chennai 600119 , Shift timings - US Shift Working Days - Monday - Friday Job Summary : This is a Residential Mortgage Underwriting process which involves a complete analysis of the loan parameters and the borrowers details pertaining to Income, credit and assets. Candidate shall be responsible for rendering decisions on credit applications based on established criteria. Determine creditworthiness, risk associated with borrower based on credit profile and Income worthiness (Income analysis) of the borrower. Communicate decisions that most effectively mitigate credit risks, including data integrity and validity of information submitted. Applies understanding of established guidelines, Fair Lending and all other regulatory requirements when evaluating loan attributes while utilizing prudent underwriting judgment and experience. Responsibilities : Works under moderate supervision; acquires and applies maturing knowledge of the business, its products, and processes. Evaluate and verify applications determining whether borrower will be able to repay the loan by performing a detailed income verification (Income Verification and analysis) Verify income and employment information, Review credit history, including Bankruptcy, Fraud alerts, Bankruptcy Discharge, Delinquency and Foreclosures. (Credit Review and Analysis) Calculate the value of the borrowers collateral and assets (Asset Review and Analysis) Ensure that the property specifications and loan terms meet Banks requirements and government regulations. Skills Required : Excellent reading and comprehension skills. Excellent decision-making skills that are backed by relevant details and research. Good analytical and audit skills. Good oral and written communication skills along with good listening skills Knowledge pertaining to the regulations governing mortgage lending. Logical and reasoning skills Ability to multitask Must pay close attention to detail Minimum Requirements Bachelor's degree in any discipline preferably B. Com/BBA/MBA. 3 to 5 years of overall banking experience with a minimum of 1 to 2 years experience in residential Mortgage Underwriting for Conventional/FHA/VA loans. Willingness to work in night shifts is a must.Role & responsibilities

Role & responsibilities Good experience in live underwriting and Income calculation. 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.