Live Underwriter - US Mortgage

Job Description

Experience: 4 to 6 years (Minimum 2 years in Live Underwriting) Notice Period: Immediate to 15 days Qualification: Graduate in any discipline Shift: US Shift (6/7 PM to 3/4 AM) Experience Requirements: 4 to 6 years of US mortgage underwriting experience, with at least 2+ years in Live Underwriting. Strong knowledge of FNMA, FHLMC, GNMA, and investor guidelines. Comprehensive understanding of Conventional, FHA, VA, and USDA loans. Roles and Responsibilities: Conduct credit analysis based on borrowers Income, Assets, Liabilities, and Collateral (4Cs of Underwriting) to assess creditworthiness. Evaluate complete loan documents and provide approval or denial decisions. Perform a thorough review of Collateral, including Appraisal analysis and Property Valuation. Expertise in Income calculation for various income types, including Salaried income, Business income, Retired income, Other income, and Rental income. Complete credit report analysis to verify trade lines, derogatory accounts, public records, and credit reconciliations. Preferred Skills: Strong analytical and decision-making abilities. Attention to detail and accuracy in financial assessments. Familiarity with mortgage processing software and underwriting systems. Excellent communication and documentation skills. Excellent command over spoken and written English If you meet the above qualifications and are looking for an exciting opportunity in US Mortgage Underwriting, we encourage you to apply!