124 Income Calculation Jobs - Page 3

Having the ability to review and asses key documents and mortgage information, such as: Income evidence; payslips, P60’s, SA302’s, financial accounts and business plans etc Credit reference reports, EPC reports, Companies House searches

Title: US Mortgage preOps Location: Pune Experience: 1-6 yrs NP-Immediate joiners Job Summary The Mortgage Loan Processor 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: Verify loan quality as per US requirements and lender guidelines and set up the loan for UW Provide excellent customer service to internal and external clients by demonstrating expertise, thoroughness, thoughtfulness, politeness and enthusiasm Review and analyze all necessary documentation, including borrower docs and third-party docs Interpret policies while analyzing applicant information, property and documentation Comprehensive understanding of credit underwriting guidelines Requirements: This role requires a wide variety of strengths and capabilities, including: Minimum 1 year experience in US Residential Mortgage preferably in Pre UW/ File Set up with excellent knowledge of Income and Asset Guidelines Excellent customer service and written and verbal communication skills Detail oriented and excellent organizational skills Quick learner to keep up with the fast-paced mortgage industry Able to prioritize multiple tasks and manage time Problem-solver with strong analytical skills Adheres to directives, procedures, and standards Ability to work in a paperless environment Computer proficiency including Microsoft Office Product Suite Candidates must be available to work outside of normal business hours when necessary Flexible to work in 24/7 process including night shifts and weekends Years of experience needed Minimum 1 Year of experience US Residential Mortgage preferably in Pre UW/ File Set up with excellent knowledge of Income and Asset Guidelines Interested candidates please reach out at soundharya@lussotech.com, or call us at 8712034160

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 : Remote CTC Range : Upto 15 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, Hemalatha HR Analyst Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 080-67432418| Whats App : 9900261540 hemalatha.c@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

Underwriter Digital Risks mission to Make Mortgages Safe relies on the perfect blending of human experience and state-of-the-art technology to serve its workforce and clients. Digital Risks 1,500+ team members make us one of the largest mortgage outsource providers in the U.S., supplying appraisal and mortgage processing, underwriting and closing to the largest banks and loan originators. Position Overview: The Underwriter’s primary responsibilities include reviewing mortgage files submitted to Underwriting. This position requires calculating income, analyzing debt and assets, as well as completing an in-depth review of the completed appraisal and title. Additional responsibilities include entering data into the client’s loan operating system, utilizing an automated underwriting system to determine approval and clearing conditions for Final Approval. 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: • Perform complete and in-depth review of mortgage loan files including; income, assets, credit and collateral • Utilize client’s loan operating system to ensure accurate data entry • Underwrite loans in accordance with client guidelines; utilizing AUS or manual guidelines • Evaluate and ensure overall loan documents are accurate, complete, and compliant • Ability to identify and/or clear red flag or s • Issue loan decision and condition file accordingly • Review and approve conditions for compliance and completion of loan file • Provide excellent customer service to internal and external clients • Maintain current knowledge of client and investor requirements • Resolve pre and post-closing issues as they relate to underwriting • Assist Processors/Loan Officers in understanding underwriting decisions and conditions • Must be able to work in a high stress environment while delivering a high-level of customer service • Ability to work more than 40 hours, on an as needed basis Requirements: • Minimum 2+ years current conventional mortgage loan underwriting experience Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags Basic knowledge of appraisal and ability to recognize red flags and ineligible properties • Thorough working knowledge of GSE underwriting guidelines and automated underwriting engines (DU/LP) • Strong analytic, interpersonal, and verbal and written communication skills • Detail-oriented with strong ability to time manage • Ability to work in a flexible and production-oriented environment • Must be willing and able to work as part of a team • Strong capability to work in multiple systems - paperless environment • Must be willing to work in strict security environment • NMLS-MLO Licensure preferred • Candidates must be available to work outside of normal business hours when necessary If interested do share resume to ta129@matrixhrsservices.com or 9019930479

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 Sholinganallur. Walk-in Drive Details: Location: HCL TECH- Sholinganallur, ( Address: Elcot SEZ, Medavakkam High Road, Solinganallur, Chennai, Tamil Nadu 600119) Date: Friday, 20 June & Saturday, 21 June Time: 11:00 AM 3:00 PM Contact HR SPOC Ida Job Opportunity: Associate / Senior Executive Location: Chennai - Sholinganallur Shift Timing: 7:00 AM 5:00 PM (IST) Domain: Australian Mortgage Underwriting Work Model: Work from Office (WFO) 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 Applition 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.

To work on live underwriting and complete the daily target or assignments. Have experience in US Mortgage Underwriting. Working on 4 Cs (Credit, Capacity, Capital, and Collateral). Knowledge on Income Calculations (Wage, Self Employed and other)

As Mortgage Underwriter you will be verifying loan applications and reviewing all 4 C’s, evaluating risks, and making loan eligibility decisions Need 1+ year of mandatory experience in US Mortgage 5 Days working 4 C’s Contact - Himanshu -9521247651

Job description Walk-in Drive in Firstsource for US Mortgage Underwriters -Mumbai location Walk-in Time 11.00 AM to 4.00 PM Walk-in Date - 21st & 22nd June Walk-in address - Firstsource Paradigm, 2nd Floor, New Link Malad, Rajan Pada, Mindspace, Malad West, Mumbai, Maharashtra 400064 Contact Person Supriya PS- supriyapss@firstsource.com Job Description Graduates & above Minimum 2 year of experience into Live Underwriting. Should have worked in all the 4 c's 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 Join our team if you're passionate about the industry and possess the skills listed below. Requirements: Minimum 3 years of experience in US mortgage- live Underwriting. Strong understanding of underwriting processes, mortgage products, and federal regulations Excellent analytical, communication, and customer service skills. Ability to thrive in a team-oriented environment. Proficiency in relevant computer applications and software Interview rounds HR, Assessment, Ops and client round. Interested candidates can drop in to the office with your resume and govt ID proof. Disclaimer : Firstsource allows a fair, transparent, and merit-based hiring process. we never ask for money at any stage. Beware of fraudulent offers and always verify through our official channels or @ firstsource.com email addresses

Ensure the SLA and KPI Targets as specified by the client are met consistently Demonstrate strong process knowledge and lead process changes/improvement with an end-to-end understanding of the Product Conduct huddles/training for process areas Required Candidate profile 04 - 06 Yrs leadership exp. US Mortgage Income Calculations; Pre Purchase Review; Credit Report Span control would range from 80 to 200 employees including SMEs, QAs, Team Leads and AM

Domain/Technical Skills: Excellent knowledge of Capital Markets Equities, Fixed Income, Traditional Assets, Bonds, Mutual Funds, Corporate Actions, Money Market Funds. Understanding about Types of Income & Swift Messages. Experience with Market & Data Feed Tools like, Bloomberg, Refinitiv, Markit, etc. Experience with Custodians Applications like DTCC, HSBC, Euroclear, etc Experience of Transaction Lifecycle Management (TLM) tool. The Income specialist role requires a self-motivated, goal-oriented individual to manage multiple tasks in a time sensitive delivery schedule. The Specialist will monitor the inflow of Swift messages 564/566/568 related to income events like Dividends, Capital Gains, Interest, Reinvestment, etc. Posting of income on payable dates. Performing Pay day 1 check for future payments. Verifying and processing of unposted income exceptions. Communicating back with the Custodians using MT 565 to check customer preference on income payment. Additional responsibilities include the support of internal quality metrics, supervision of team environment, and oversight of quality controls. Essential duties and responsibilities include the following (other duties may be assigned) • Provide technical, industry, process, and trouble-shooting support to a team of operation analysts and specialists within and outside of their own unit/discipline. • Responsible for the daily process of activities, performs project management and coordination, and execution for the assigned operational competency. • Primary focus is on day-to-day deliverables, developing solutions based upon subject expertise, representing the department at a broader level. • Maintain Standard Operating Procedures and other process related documents intact. • Train, mentor, and assist in coaching any analysts and junior specialists as needed. • As an operations user, analyst, or technical specialist supporting investment processing applications (ideally a security master/pricing application) or accounting systems. • Ensure service level agreements are met, and oversee daily functional job checklists where needed. • Proactively recommend innovations and modifications which are in compliance with industry requirements and are consistent with corporate objectives and goals to improve operational processes, systems, policies and procedures. • Assisting with client implementations as needed. • Ensure quality controls are met (Daily, Weekly, Monthly). • Other duties as assigned Shift timings : US Shift Mode of work : Office only Location : Hyderabad *Immediate joiners preferred or NP of 45 days* Regards, Taha Momin Talent Acquisition Group - Coforge BPS.

Greetings, Company Name : M.Phasis (https://www.mphasis.com) Job Role: Live Underwriter- US Residential Mortgage Underwriting Experience : 3+ yrs Work Mode : 3 to 4 Months ( WFO) Post that its Permanent (WFH) Job Location for initial 3 to 4 months will be Pune (or) Chennai Budget : Upto 10 LPA Requirements : Experience in Live Underwriting, End to End Underwriting, Income Calculation, Review of Public Report, Review of Credit Report and 4C's is mandatory. Notice Period : Immediate to 30 days only No. of openings : 10+ openings Skills : Excellent knowledge in US Residential Mortgage Underwriting process is mandatory Note : Accommodation Fee for relocating candidates will be given (6000*3 or 4 months) Contact : 8431234240

Role & responsibilities 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 Team lead experience is must. For more details please reach out Menaga-9019730400

Job Title: Analyst/ Senior Analyst Residential Mortgage Underwriting Experience Required: 3–8 Years Shift Timing: 5:30 PM – 2:30 AM IST (US Shift) Location: Noida, Sector 63 (On-site) About the Role: We are seeking a detail-oriented and experienced Senior Analyst with a strong background in residential mortgage underwriting to join our dynamic team. The ideal candidate will have in-depth knowledge of income analysis, credit and asset review, and underwriting across various conventional and government loan programs including FHA, VA, USDA, and Bond loans . Key Responsibilities: Perform detailed income calculation and analysis for salaried, self-employed, and non-traditional income sources. Conduct comprehensive underwriting reviews for residential mortgage applications ensuring adherence to agency and investor guidelines (Fannie Mae, Freddie Mac). Assess borrower eligibility, creditworthiness, and overall loan risk in accordance with FHA, VA, USDA, Bond program guidelines. Review and analyze credit reports, asset statements, property appraisals, and title documents . Validate compliance with underwriting criteria, company policies, and regulatory requirements. Maintain a high level of accuracy and turnaround time in processing and decisioning loan files. Collaborate with US-based teams and other internal stakeholders to ensure smooth workflow and clear communication. Keep up to date with current underwriting guidelines and industry best practices. Required Skills & Qualifications: 3–8 years of hands-on experience in residential mortgage underwriting , including conventional and government loan programs. Strong understanding of FHA, VA, USDA, and Bond loan underwriting guidelines . Proficient in income calculation methodologies and documentation requirements. Familiarity with AUS systems (DU, LP) and LOS platforms (e.g., Encompass, Calyx). Excellent attention to detail, analytical ability, and organizational skills. Strong verbal and written communication skills to liaise with US counterparts. Ability to work independently and meet tight deadlines in a high-pressure environment. Bachelor's degree or equivalent work experience in Finance, Business, or a related field preferred. Shift & Work Environment: Shift Timing: 5:30 PM – 2:30 AM IST (Night Shift, aligned with US hours) Work Location: Noida, Sector 63 (Work from Office) Why Join Us: Competitive compensation and benefits. Opportunity to work with a fast-growing, global financial services firm. Exposure to diverse loan products and continuous skill development. Collaborative and performance-driven work culture.

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 Notice Period-Immediate Joiner to 1 Month Interested Please contact-Krishna-8072255275

We are seeking a highly analytical and experienced Senior Mortgage Analyst to join our Residential Mortgage Operations team. The ideal candidate will bring in-depth knowledge of income calculation, loan eligibility assessments , and government-backed and conventional loan programs , including FHA, VA, USDA, and Bond loans . You will play a critical role in ensuring the accuracy and compliance of mortgage loan reviews in accordance with agency and investor guidelines. Key Responsibilities: Analyze and underwrite residential mortgage loan files, ensuring compliance with agency and investor guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA, Bond programs). Perform detailed income analysis for various borrower types (W-2, self-employed, commission-based, rental income, etc.), including complex tax return evaluations. Review complete loan packages for creditworthiness, collateral evaluation, and documentation integrity. Maintain up-to-date knowledge of all relevant lending guidelines and overlays (e.g., DU/LP findings, FHA Handbook, VA Lenders Handbook). Assist in structuring loans that meet borrower needs while complying with product and regulatory requirements. Act as a subject matter expert and mentor for junior underwriters and analysts. Communicate effectively with internal stakeholders (loan officers, processors, QC teams) to resolve issues and close loans efficiently. Ensure adherence to federal and state lending regulations, including RESPA, TRID, and HMDA. Participate in periodic audits, internal process reviews, and contribute to operational improvement initiatives. Qualifications: Bachelors degree in Finance, Business, Economics, or a related field. Equivalent work experience may be considered. 3+ years of experience in residential mortgage underwriting or analysis. Deep understanding of conventional loan programs and government-insured loans (FHA, VA, USDA, Bond). Strong expertise in income analysis and cash flow evaluations from personal and business tax returns (Schedule C, E, K-1, etc.). Familiarity with AUS systems (DU, LP) and Loan Origination Systems (LOS) like Encompass, Calyx Point, or equivalent. Knowledge of compliance regulations and investor guidelines. Strong attention to detail and ability to work under tight deadlines. Excellent verbal and written communication skills.

Company: Consolidated Analytics Location: Teynampet, Chennai Work Mode: Work from Office Date: June 14, 2025 (Saturday) Time: 10:00 AM 1:00 PM We are hiring! Looking for a career in mortgage underwriting? Join our growing team at Consolidated Analytics as a Due Diligence Underwriter . Eligibility: Experience: 6 months to 6 years in Residential Mortgage Underwriting Education: Any graduate Shift: Day Shift (Flexible for Night Shift if needed) Key Skills: Mortgage Underwriting, Loan Review, Credit Analysis, Risk Assessment, Compliance, Financial & Property Valuation Job Highlights: Full-time, Permanent Role Dynamic Work Environment Great Growth Opportunities Walk-In Venue: 11th Floor, Workafella, High Street, New No. 431, Anna Salai (Mount Road), Teynampet, Chennai, Tamil Nadu, 600018, India. Carry: Updated Resume. For any queries, feel free to reach out to us at 7358021675 Kindly share your profile to PRavichandran@ca-usa.com for Daily Walk-in (Monday to Friday) till June 27, 2025

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