40 Live Underwriter Jobs

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

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

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

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

Face to Face Interview on 22nd and 23rd of August . Role- Live Underwriter ( Experience with 4Cs Framework/UW guidelines/non-QM UW ) US Mortgage Process Mandatory (Only Night Shifts) Interview- Assessment/ Ops Round / HR Round Job Overview Live Underwriter: - A Live Underwriter in U.S. mortgages evaluates loan applications, assesses borrower risk, and ensures compliance with lending guidelines (FHA, VA, Conventional, etc.). They review income, credit, assets, and property details to approve, suspend, or deny loans while working with loan officers and processors. Key Responsibilities: Loan Evaluation & Decision-Making Review and analyze mortgage loan applications for eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines. Assess borrower creditworthiness by thoroughly reviewing credit history, income, assets, and collateral (4Cs of Underwriting). Ensure loan documentation adheres to HUD, investor, and company guidelines to mitigate risk. Make independent underwriting decisions on loan approvals, suspensions, or denials based on risk assessment. Compliance & Risk Management Ensure compliance with federal, state, and company lending regulations to minimize potential risks. Maintain thorough documentation of underwriting decisions for audit purposes . Identify and report potential fraud or red flags to management and compliance teams. Process Optimization & Collaboration Work closely with loan processors, advisors, and management to resolve escalations and streamline the underwriting process. Provide guidance to internal teams on best underwriting practices and regulatory changes. Manage loans efficiently using Encompass and other underwriting tools. Quality Assurance & Customer Service Ensure timely completion of underwriting reviews while maintaining high-quality standards. Communicate underwriting decisions clearly and professionally with stakeholders. Continuously seek opportunities for process improvements to enhance efficiency. Qualifications & Requirements: bachelors degree or Equivalent Experience 3 + Years of End-to-End Mortgage Underwriting Experience (Conventional/Government) Deep understanding of HUD, investor, and regulatory guidelines Proficiency in Encompass & other mortgage underwriting systems Strong analytical, decision-making, and problem-solving skills Ability to work in a fast-paced, high-volume environment without compromising accuracy Excellent communication & stakeholder management skills Take Your Career to the Next Level! M +91 9686640353 Email: Gentella.VijayaDurga@adecco.com

Role- Live Underwriter ( Experience with 4Cs Framework/UW guidelines/non-QM UW ) US Mortgage Process Mandatory (Only Night Shifts) Share updated resume at siddhi.pandey@adecco.com or whatsapp at 6366783349 Interview- Assessment/ Ops Round / HR Round Job Overview Live Underwriter: - A Live Underwriter in U.S. mortgages evaluates loan applications, assesses borrower risk, and ensures compliance with lending guidelines (FHA, VA, Conventional, etc.). They review income, credit, assets, and property details to approve, suspend, or deny loans while working with loan officers and processors. Key Responsibilities: Loan Evaluation & Decision-Making Review and analyze mortgage loan applications for eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines. Assess borrower creditworthiness by thoroughly reviewing credit history, income, assets, and collateral (4Cs of Underwriting). Ensure loan documentation adheres to HUD, investor, and company guidelines to mitigate risk. Make independent underwriting decisions on loan approvals, suspensions, or denials based on risk assessment. Compliance & Risk Management Ensure compliance with federal, state, and company lending regulations to minimize potential risks. Maintain thorough documentation of underwriting decisions for audit purposes . Identify and report potential fraud or red flags to management and compliance teams. Process Optimization & Collaboration Work closely with loan processors, advisors, and management to resolve escalations and streamline the underwriting process. Provide guidance to internal teams on best underwriting practices and regulatory changes. Manage loans efficiently using Encompass and other underwriting tools. Quality Assurance & Customer Service Ensure timely completion of underwriting reviews while maintaining high-quality standards. Communicate underwriting decisions clearly and professionally with stakeholders. Continuously seek opportunities for process improvements to enhance efficiency. Qualifications & Requirements: bachelors degree or Equivalent Experience 3 + Years of End-to-End Mortgage Underwriting Experience (Conventional/Government) Deep understanding of HUD, investor, and regulatory guidelines Proficiency in Encompass & other mortgage underwriting systems Strong analytical, decision-making, and problem-solving skills Ability to work in a fast-paced, high-volume environment without compromising accuracy Excellent communication & stakeholder management skills Take Your Career to the Next Level!

Role- Live Underwriter ( Experience with 4Cs Framework/UW guidelines/non-QM UW ) US Mortgage Process Mandatory (Only Night Shifts) Interested candidates- call on 9740521948 or share cv Mohini.sharma@adecco.com Interview- Assessment/ Ops Round / HR Round CONSULTANCY- ADECCO REMEMBER Job Overview Live Underwriter: - A Live Underwriter in U.S. mortgages evaluates loan applications, assesses borrower risk, and ensures compliance with lending guidelines (FHA, VA, Conventional, etc.). They review income, credit, assets, and property details to approve, suspend, or deny loans while working with loan officers and processors. Key Responsibilities: Loan Evaluation & Decision-Making Review and analyze mortgage loan applications for eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines. Assess borrower creditworthiness by thoroughly reviewing credit history, income, assets, and collateral (4Cs of Underwriting). Ensure loan documentation adheres to HUD, investor, and company guidelines to mitigate risk. Make independent underwriting decisions on loan approvals, suspensions, or denials based on risk assessment. Compliance & Risk Management Ensure compliance with federal, state, and company lending regulations to minimize potential risks. Maintain thorough documentation of underwriting decisions for audit purposes . Identify and report potential fraud or red flags to management and compliance teams. Process Optimization & Collaboration Work closely with loan processors, advisors, and management to resolve escalations and streamline the underwriting process. Provide guidance to internal teams on best underwriting practices and regulatory changes. Manage loans efficiently using Encompass and other underwriting tools. Quality Assurance & Customer Service Ensure timely completion of underwriting reviews while maintaining high-quality standards. Communicate underwriting decisions clearly and professionally with stakeholders. Continuously seek opportunities for process improvements to enhance efficiency. Qualifications & Requirements: bachelors degree or Equivalent Experience 5+ Years of End-to-End Mortgage Underwriting Experience (Conventional/Government) Deep understanding of HUD, investor, and regulatory guidelines Proficiency in Encompass & other mortgage underwriting systems Strong analytical, decision-making, and problem-solving skills Ability to work in a fast-paced, high-volume environment without compromising accuracy Excellent communication & stakeholder management skills Take Your Career to the Next Level!

As a Live Underwriter specializing in end-to-end underwriting, you will be responsible for evaluating and assessing insurance applications in real-time, ensuring accuracy, compliance, and risk mitigation throughout the underwriting process. This role requires a keen understanding of insurance policies, industry regulations, and risk assessment techniques. You will collaborate closely with various stakeholders, including brokers, agents, and other internal departments, to facilitate efficient and effective underwriting decisions.

Hi All, We are actively looking for a US-Mortgage Live Underwriter expert.With good expertise on 4C Framework.\ Skills Required:Underwriter,4C,US-Mortgage Exp:4+ yrs Location:Bnagalore/Chennai-WFO Other Locations-Will provide Remote opportunity If someone is interested,please share your Updated Cv to email:sravya.ganta@braceinfotech.com with below details Name: T.E: R.E: Notice Period: Current Location:

Role- Live Underwriter ( Experience with 4Cs Framework/UW guidelines/non-QM UW ) US Mortgage Process Mandatory (Only Night Shifts) Work Location : Anywhere in India (Remote Work) Interested Immediate candidates M +91 9686640353 Email: Gentella.VijayaDurga@adecco.com Interview- Assessment/ Ops Round / HR Round CONSULTANCY- ADECCO REMEMBER Job Overview Live Underwriter: - A Live Underwriter in U.S. mortgages evaluates loan applications, assesses borrower risk, and ensures compliance with lending guidelines (FHA, VA, Conventional, etc.). They review income, credit, assets, and property details to approve, suspend, or deny loans while working with loan officers and processors. Key Responsibilities: Loan Evaluation & Decision-Making Review and analyze mortgage loan applications for eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines. Assess borrower creditworthiness by thoroughly reviewing credit history, income, assets, and collateral (4Cs of Underwriting). Ensure loan documentation adheres to HUD, investor, and company guidelines to mitigate risk. Make independent underwriting decisions on loan approvals, suspensions, or denials based on risk assessment. Compliance & Risk Management Ensure compliance with federal, state, and company lending regulations to minimize potential risks. Maintain thorough documentation of underwriting decisions for audit purposes . Identify and report potential fraud or red flags to management and compliance teams. Process Optimization & Collaboration Work closely with loan processors, advisors, and management to resolve escalations and streamline the underwriting process. Provide guidance to internal teams on best underwriting practices and regulatory changes. Manage loans efficiently using Encompass and other underwriting tools. Quality Assurance & Customer Service Ensure timely completion of underwriting reviews while maintaining high-quality standards. Communicate underwriting decisions clearly and professionally with stakeholders. Continuously seek opportunities for process improvements to enhance efficiency. Qualifications & Requirements: bachelors degree or Equivalent Experience 5+ Years of End-to-End Mortgage Underwriting Experience (Conventional/Government) Deep understanding of HUD, investor, and regulatory guidelines Proficiency in Encompass & other mortgage underwriting systems Strong analytical, decision-making, and problem-solving skills Ability to work in a fast-paced, high-volume environment without compromising accuracy Excellent communication & stakeholder management skills Take Your Career to the Next Level! Interested Immediate Connect- M +91 9686640353 Email: Gentella.VijayaDurga@adecco.com for Schedule

Role- Live Underwriter ( Experience with 4Cs Framework/UW guidelines/non-QM UW ) US Mortgage Process Mandatory (Only Night Shifts) Work Location : Anywhere in India (Remote Work) Interested Immediate Connect- Ranjan- 7892648654 (Call/wtsapp) Interview- Assessment/ Ops Round / HR Round CONSULTANCY- ADECCO REMEMBER Job Overview Live Underwriter: - A Live Underwriter in U.S. mortgages evaluates loan applications, assesses borrower risk, and ensures compliance with lending guidelines (FHA, VA, Conventional, etc.). They review income, credit, assets, and property details to approve, suspend, or deny loans while working with loan officers and processors. Key Responsibilities: Loan Evaluation & Decision-Making Review and analyze mortgage loan applications for eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines. Assess borrower creditworthiness by thoroughly reviewing credit history, income, assets, and collateral (4Cs of Underwriting). Ensure loan documentation adheres to HUD, investor, and company guidelines to mitigate risk. Make independent underwriting decisions on loan approvals, suspensions, or denials based on risk assessment. Compliance & Risk Management Ensure compliance with federal, state, and company lending regulations to minimize potential risks. Maintain thorough documentation of underwriting decisions for audit purposes . Identify and report potential fraud or red flags to management and compliance teams. Process Optimization & Collaboration Work closely with loan processors, advisors, and management to resolve escalations and streamline the underwriting process. Provide guidance to internal teams on best underwriting practices and regulatory changes. Manage loans efficiently using Encompass and other underwriting tools. Quality Assurance & Customer Service Ensure timely completion of underwriting reviews while maintaining high-quality standards. Communicate underwriting decisions clearly and professionally with stakeholders. Continuously seek opportunities for process improvements to enhance efficiency. Qualifications & Requirements: bachelors degree or Equivalent Experience 5+ Years of End-to-End Mortgage Underwriting Experience (Conventional/Government) Deep understanding of HUD, investor, and regulatory guidelines Proficiency in Encompass & other mortgage underwriting systems Strong analytical, decision-making, and problem-solving skills Ability to work in a fast-paced, high-volume environment without compromising accuracy Excellent communication & stakeholder management skills Take Your Career to the Next Level! Interested Immediate Connect- 7892648654 (Call/wtsapp) for Schedule

Urgent Hiring Live Underwriter ( US Mortgage Live Underwriting experience with 4Cs is Mandatory ) If Interested share CV mohini.sharma@adecco.com OR Call 9740521948 Working Shifts : Only Night Shifts Work Location: Remote Work If Interested share resume on neeta.yadav@adecco.com or Connect on 6364920546. Job Overview : - A Live Underwriter in U.S. mortgages evaluates loan applications, assesses borrower risk, and ensures compliance with lending guidelines (FHA, VA, Conventional, etc.). They review income, credit, assets, and property details to approve, suspend, or deny loans while working with loan officers and processors. Key Responsibilities: Loan Evaluation & Decision-Making Review and analyze mortgage loan applications for eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines. Assess borrower creditworthiness by thoroughly reviewing credit history, income, assets, and collateral (4Cs of Underwriting). Ensure loan documentation adheres to HUD, investor, and company guidelines to mitigate risk. Make independent underwriting decisions on loan approvals, suspensions, or denials based on risk assessment. Compliance & Risk Management Ensure compliance with federal, state, and company lending regulations to minimize potential risks. Maintain thorough documentation of underwriting decisions for audit purposes . Identify and report potential fraud or red flags to management and compliance teams. Process Optimization & Collaboration Work closely with loan processors, advisors, and management to resolve escalations and streamline the underwriting process. Provide guidance to internal teams on best underwriting practices and regulatory changes. Manage loans efficiently using Encompass and other underwriting tools. Quality Assurance & Customer Service Ensure timely completion of underwriting reviews while maintaining high-quality standards. Communicate underwriting decisions clearly and professionally with stakeholders. Continuously seek opportunities for process improvements to enhance efficiency. Qualification & Experience 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. Degree or Equivalent Minimum 2 years of experience in conventional/govt end to end underwriting. Well-versed with all 4Cs of Underwriting (Asset, Income, Credit and Collateral)

Role- Live Underwriter ( US Mortgage Live Underwriting experience with 4Cs is Mandatory ) Working Shifts : Only Night Shifts Work Location: Remote Work If Interested share resume on neeta.yadav@adecco.com or Connect on 6364920546. Job Overview : - A Live Underwriter in U.S. mortgages evaluates loan applications, assesses borrower risk, and ensures compliance with lending guidelines (FHA, VA, Conventional, etc.). They review income, credit, assets, and property details to approve, suspend, or deny loans while working with loan officers and processors. Key Responsibilities: Loan Evaluation & Decision-Making Review and analyze mortgage loan applications for eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines. Assess borrower creditworthiness by thoroughly reviewing credit history, income, assets, and collateral (4Cs of Underwriting). Ensure loan documentation adheres to HUD, investor, and company guidelines to mitigate risk. Make independent underwriting decisions on loan approvals, suspensions, or denials based on risk assessment. Compliance & Risk Management Ensure compliance with federal, state, and company lending regulations to minimize potential risks. Maintain thorough documentation of underwriting decisions for audit purposes . Identify and report potential fraud or red flags to management and compliance teams. Process Optimization & Collaboration Work closely with loan processors, advisors, and management to resolve escalations and streamline the underwriting process. Provide guidance to internal teams on best underwriting practices and regulatory changes. Manage loans efficiently using Encompass and other underwriting tools. Quality Assurance & Customer Service Ensure timely completion of underwriting reviews while maintaining high-quality standards. Communicate underwriting decisions clearly and professionally with stakeholders. Continuously seek opportunities for process improvements to enhance efficiency. Qualification & Experience 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. Degree or Equivalent Minimum 2 years of experience in conventional/govt end to end underwriting. Well-versed with all 4Cs of Underwriting (Asset, Income, Credit and Collateral)

Role- Live Underwriter ( Experience with 4Cs Framework/UW guidelines/non-QM UW ) US Mortgage Process NIGHT SHIFT / 5 Days Working / WORK FROM HOME Interested Candidates Can Call on -6364920550 Interested Candidates Can Send their Cvs on - garima.sharma@adecco.com Role & Responsibilities Live Underwriter: - A Live Underwriter in U.S. mortgages evaluates loan applications, assesses borrower risk, and ensures compliance with lending guidelines (FHA, VA, Conventional, etc.). They review income, credit, assets, and property details to approve, suspend, or deny loans while working with loan officers and processors. Must have training experience of handling small to large size batches. • Train staff on the basics of US mortgage industry and cover functional aspects of Loan Originations, Underwriting, Closing and Post closing, Servicing, Default Servicing and Title Industry. • Come with deep knowledge in the loan processing and pre-underwriting domain. • Trainee staff on loan processing concepts that includes reviewing 1003, identifying and understanding the initial submission of documents. • Expertise in training Underwriting concepts such as reviewing eligibility across Income, Credit, Collateral analysis, Assets. • Have wide knowledge of loan conditions and the supporting information or document to remediate those conditions. • Must be aware of and be able to train staff on compliance, regulatory standards and guidelines.

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

Role- Live Underwriter ( Experience with 4Cs Framework/UW guidelines/non-QM UW ) US Mortgage Process Mandatory (Only Night Shifts) Work Location : Anywhere in India (Remote Work) Interview- Assessment/ Ops Round / HR Round Interested Immediate Connect- Siddhi 6366783349 (Call/Whatsapp) or email at siddhi.pandey@adecco.com Qualifications & Requirements: bachelors degree or Equivalent Experience 2 + Years of End-to-End Mortgage Underwriting Experience (Conventional/Government) Deep understanding of HUD, investor, and regulatory guidelines Proficiency in Encompass & other mortgage underwriting systems Strong analytical, decision-making, and problem-solving skills Ability to work in a fast-paced, high-volume environment without compromising accuracy Excellent communication & stakeholder management skills Job Overview Live Underwriter: - A Live Underwriter in U.S. mortgages evaluates loan applications, assesses borrower risk, and ensures compliance with lending guidelines (FHA, VA, Conventional, etc.). They review income, credit, assets, and property details to approve, suspend, or deny loans while working with loan officers and processors. Key Responsibilities: Loan Evaluation & Decision-Making Review and analyze mortgage loan applications for eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines. Assess borrower creditworthiness by thoroughly reviewing credit history, income, assets, and collateral (4Cs of Underwriting). Ensure loan documentation adheres to HUD, investor, and company guidelines to mitigate risk. Make independent underwriting decisions on loan approvals, suspensions, or denials based on risk assessment. Compliance & Risk Management Ensure compliance with federal, state, and company lending regulations to minimize potential risks. Maintain thorough documentation of underwriting decisions for audit purposes . Identify and report potential fraud or red flags to management and compliance teams. Process Optimization & Collaboration Work closely with loan processors, advisors, and management to resolve escalations and streamline the underwriting process. Provide guidance to internal teams on best underwriting practices and regulatory changes. Manage loans efficiently using Encompass and other underwriting tools. Quality Assurance & Customer Service Ensure timely completion of underwriting reviews while maintaining high-quality standards. Communicate underwriting decisions clearly and professionally with stakeholders. Continuously seek opportunities for process improvements to enhance efficiency.

Role- Live Underwriter ( Experience with 4Cs Framework/UW guidelines/non-QM UW ) US Mortgage Process Mandatory (Only Night Shifts) Work Location : Anywhere in India (Remote Work) Interested Immediate Connect- Ranjan- 7892648654 (Call/wtsapp) Interview- Assessment/ Ops Round / HR Round CONSULTANCY- ADECCO REMEMBER Job Overview Live Underwriter: - A Live Underwriter in U.S. mortgages evaluates loan applications, assesses borrower risk, and ensures compliance with lending guidelines (FHA, VA, Conventional, etc.). They review income, credit, assets, and property details to approve, suspend, or deny loans while working with loan officers and processors. Key Responsibilities: Loan Evaluation & Decision-Making Review and analyze mortgage loan applications for eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines. Assess borrower creditworthiness by thoroughly reviewing credit history, income, assets, and collateral (4Cs of Underwriting). Ensure loan documentation adheres to HUD, investor, and company guidelines to mitigate risk. Make independent underwriting decisions on loan approvals, suspensions, or denials based on risk assessment. Compliance & Risk Management Ensure compliance with federal, state, and company lending regulations to minimize potential risks. Maintain thorough documentation of underwriting decisions for audit purposes . Identify and report potential fraud or red flags to management and compliance teams. Process Optimization & Collaboration Work closely with loan processors, advisors, and management to resolve escalations and streamline the underwriting process. Provide guidance to internal teams on best underwriting practices and regulatory changes. Manage loans efficiently using Encompass and other underwriting tools. Quality Assurance & Customer Service Ensure timely completion of underwriting reviews while maintaining high-quality standards. Communicate underwriting decisions clearly and professionally with stakeholders. Continuously seek opportunities for process improvements to enhance efficiency. Qualifications & Requirements: bachelors degree or Equivalent Experience 5+ Years of End-to-End Mortgage Underwriting Experience (Conventional/Government) Deep understanding of HUD, investor, and regulatory guidelines Proficiency in Encompass & other mortgage underwriting systems Strong analytical, decision-making, and problem-solving skills Ability to work in a fast-paced, high-volume environment without compromising accuracy Excellent communication & stakeholder management skills Take Your Career to the Next Level! Interested Immediate Connect- 7892648654 (Call/wtsapp) for Schedule

Job Roles and Responsibilities: Review and analyse the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor and the company. Knowledge of Lending & Underwriting Guidelines | Credit & Income Analysis | Cash Flow Analysis | Risk Assessment | Loan-to-Value Ratios | Debt-to-Income Ratios Review Initial application - Verify loan, property, borrowers information with other available documents - Verify borrower's monthly income and expenses - Verify other relevant sections. Review all the documents related to borrower’s Credit, Capacity, Collateral and Capital. Calculate asset required for closing and reserve purpose for the transaction (as per guideline) Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines. Provides final approval underwriting of mortgage loans. Completes all required paperwork and forms in a timely and accurate manner; prepares required forms. Sign off conditions in a timely manner set by management. Work with staff and management to find solutions on escalated loans. May be requested to make recommendations for improving Internal Audit’s policies and practices. Manage loans by using all functions of Encompass. Effectively communicate underwriting decisions with processors and advisors Maintain high level of customer service and communication with other departments. Other duties as assigned. Qualification & Experience Degree or Equivalent Minimum 3 years of experience in conventional/govt end to end underwriting. Well-versed with all 4C’s of Underwriting (Asset, Income, Credit and Collateral)

Dear Applicant, Hiring for Live Underwriter(WFH) - F2F interview - US Residential Underwriting Location - Gurgaon - F2F Interview on 19th & 20th US Night shift 45days notice ctc upto 12lpa Work from home Minimum 3+yrs of exp required in underwriting 2yrs in live underwriting Key Responsibilities Review and underwrite U.S. residential mortgage loan files to ensure compliance with FNMA, FHLMC guidelines. Familiarity with GNMA and other investor guidelines is a strong plus. Conduct comprehensive analysis of borrowers credit, income, asset, and collateral (4Cs) to determine creditworthiness. Perform income analysis from salaried, self-employed (business), rental, and other sources, including complex tax documents such as 1040s, Schedule E, K1s, 1120, 1120S, and transcripts. Review credit reports to evaluate trade lines, delinquencies, public records, and reconcile discrepancies. Validate collateral and property valuations and assess appraisal documentation. Verify asset documentation including bank statements, retirement accounts, and other investments. Make independent underwriting decisions (approve, deny, or counter) in accordance with investor and company policies. Maintain compliance with internal controls and regulatory requirements. Communicate findings and decisions clearly to internal stakeholders and/or clients. Deliver quality outcomes while meeting turnaround time (TAT) and accuracy metrics. Interested Candidates contact HR Umme@ 8655884775 / Umme@careerguideline.com

Job Title : Live Underwriting Qualification : Any Graduate or Above Relevant Experience : 3 to 8 Years Must Have Skills : 1.Live underwriters 2.4Cs 3.Collateral Capacity 4.Credit & Income 5.mortgage loans 6.loan data, reports, and inspections Good Have Skills : Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines 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 : Remote CTC Range : 8 to15 LPA (Lakhs Per Annum) Notice period : 30 days Shift Timing : Night Shift Mode of Interview : Virtual Mode of Work : Work From Home Thanks & Regards, Aneesha HR Analyst Black and White Business Solutions Pvt Ltd Bangalore,Karnataka,INDIA. Direct Number : 08067432440| Whats app : 9035128021| aneesha.g@blackwhite.in

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

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- Underwriter (Residential/Commercial) US Mortgage Process Mandatory (Only Night Shifts) Work Location : Chennai ,Mumbai ( Work from Office ) Interested Immediate Connect- Ranjan- 7892648654 (Call/wtsapp) Interview- Assessment/ Ops Round / HR Round CONSULTANCY- ADECCO Job Overview Live Underwriter: - A Live Underwriter in U.S. mortgages evaluates loan applications, assesses borrower risk, and ensures compliance with lending guidelines (FHA, VA, Conventional, etc.). They review income, credit, assets, and property details to approve, suspend, or deny loans while working with loan officers and processors. Key Responsibilities: Loan Evaluation & Decision-Making Review and analyze mortgage loan applications for eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines. Assess borrower creditworthiness by thoroughly reviewing credit history, income, assets, and collateral (4Cs of Underwriting). Ensure loan documentation adheres to HUD, investor, and company guidelines to mitigate risk. Make independent underwriting decisions on loan approvals, suspensions, or denials based on risk assessment. Compliance & Risk Management Ensure compliance with federal, state, and company lending regulations to minimize potential risks. Maintain thorough documentation of underwriting decisions for audit purposes . Identify and report potential fraud or red flags to management and compliance teams. Process Optimization & Collaboration Work closely with loan processors, advisors, and management to resolve escalations and streamline the underwriting process. Provide guidance to internal teams on best underwriting practices and regulatory changes. Manage loans efficiently using Encompass and other underwriting tools. Quality Assurance & Customer Service Ensure timely completion of underwriting reviews while maintaining high-quality standards. Communicate underwriting decisions clearly and professionally with stakeholders. Continuously seek opportunities for process improvements to enhance efficiency. Qualifications & Requirements: bachelors degree or Equivalent Experience 5+ Years of End-to-End Mortgage Underwriting Experience (Conventional/Government) Deep understanding of HUD, investor, and regulatory guidelines Proficiency in Encompass & other mortgage underwriting systems Strong analytical, decision-making, and problem-solving skills Ability to work in a fast-paced, high-volume environment without compromising accuracy Excellent communication & stakeholder management skills Take Your Career to the Next Level! Interested Immediate Connect- 7892648654 (Call/wtsapp) for Schedule

US Mortgage experience In Underwriting All 4 C’s Credit, Capacity, Collateral, and Capital or Income review experience, Conditions Clearing, Closing Review, Loan Set Up review process..Group health/Liability/Commercial/Crop UW openings are also open. Required Candidate profile Mortgage underwriting associate evaluate/determine the eligibility of loan applications of residential mortgage loans. Mortgage underwriting associate role includesreview of all 4 Cs evaluating risk

US Mortgage experience In Underwriting All 4 C’s Credit, Capacity, Collateral, and Capital or Income review experience, Conditions Clearing, Closing Review, Loan Set Up review process..Group health/Liability/Commercial/Crop UW openings are also open. Required Candidate profile Mortgage underwriting associate evaluate/determine the eligibility of loan applications of residential mortgage loans. Mortgage underwriting associate role includesreview of all 4 Cs evaluating risk