79 Live Underwriting Jobs

Greetings, Company Name : M.Phasis (https://www.mphasis.com) Job Role: Live Underwriter- US Residential Mortgage Underwriting Experience : 3+ yrs Work Mode : Hybrid or Remote or WFO Shift Timings: US Shift 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) Reference is Welcomed...

Underwriter and Sr Underwriter Experience required for the Job: 3+ years Job Location: Mumbai/Chennai/ Bangalore/ 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 borrower’s 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 borrower’s 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 please share resume on nikhil@mumbairozgaar.com

current openings in a live underwriting profile with a leading BPO. This is for a pilot batch, and we are looking for candidates with good experience in underwriting. 6.5 lac plus incentives. If you are interested, please call Sadiqa at 8951870134.

Role & 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 include 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 4 C's 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 Preferred candidate profile Immediate joiners Only

We are hiring for Mortgage- Associate role. Looking for immediate joiners . Exp required- 3 to 6 Years Role & responsibilities Taking ownership and being accountable of mortgage applications, from initial submission through to offer, delivering a seamless service to brokers and partners • Reviewing and screening residential owner occupied and buy to let (in both individual names and trading companies names) mortgage applications to understand the customer and application type, ensuring the correct packaging requirements are set • Applying a future thinking, holistic approach by anticipating the need of the underwriter, this will be done through: o Understanding and assessing the risk of the application o Using and interpreting lending policy to ensure the case meets the packaging guidelines • Being responsible for the quality of data, identify and correct inaccuracies, including customer personal data, property portfolio and income and commitments, including the validation of documentation • Working to agreed deadlines, meeting and exceeding set SLAs at each touchpoint • Managing all mortgage documents and supporting information, by assessing and validate documents, ensuring they meet the relevant policy and regulatory guidelines. • Ensuring the case is managed through the relevant systems, ensuring one customer and application record that is reflective of the information required to manage risk and deliver for our customers, including using relevant third party websites and systems, e.g. Companies House • Having the ability to review and asses key documents and mortgage information, such as: o Income evidence; payslips, P60s, SA302’s, financial accounts and business plans etc o Proof of ID, proof of address o Buy to let portfolio’s etc o Credit reference reports, EPC reports, Companies House searches • Undertaking required Customer due-diligence through: o Document assessment and validation; proof of ID, proof of address o Ensure accuracy of data from a customer identity perspective o Ensure CDD policies are adhered to • Protecting the customer and the Bank by having a strong knowledge of anti-money laundering policies and fraud prevention processes. Identification of potential external fraud, and scheme misuse to protect the bank against possible bad debts, referring to the relevant team • Adhering to required data management standards by applying the correct updates and notes in a clear and concise way • Maintaining strong technical system knowledge of mortgage origination systems and the wider supporting systems (quest, lender hub, kama etc.) • Delivering against service KPIs, ensuring efficiency and effectiveness targets are met • Understanding of system rules and affordability calculators to ensure adherence to policy and bank risk appetite • Adhering to all Standard Operating Procedures across the application journey Review and screen residential owner occupied and buy to let (in both individual names and trading companies names) mortgage applications to understand the customer and application type, ensuring the correct packaging requirements are set • Review the quality of data and identify inaccuracies including customer personal data, property portfolio and income and commitments, ensuring the mortgage application is set up for success and ready to be underwritten • Regularly reviewing mortgage applications against agreed deadlines to ensure cases are progressed in a timely and accurate manner • Review packaging documents once received, ensuring they meet the relevant requests. Including the checking of documents, validating the data and updating the system information through the documents received or the use of relevant third party websites and systems, e.g. Companies House • Review and validate documentation and supporting information such as: o Income evidence; payslips, P60’s, SA302’s, financial accounts and business plans etc o Customer due-diligence documentation; proof of ID, proof of address o Buy to let portfolio’s etc o Credit reference reports, EPC reports, Companies House searches • Understand and apply Bank policies in terms of documentation, case set up and mortgage valuation requirements • Identify cases that require manual referral to the onshore team and refer them in a timely manner to ensure the customer experience isn’t detrimental, this could be due to; o AML concerns Complex case/documentation requirements o System errors etc • Protect the customer and the Bank by having a strong knowledge of anti-money laundering policies, customer due diligence policies and fraud prevention processes. Identification of potential external fraud, and scheme misuse to protect the bank against possible bad debts • Support the successful progression of mortgage applications through the use of systems, applying the correct updates and notes in a clear and concise way • Both technical system knowledge of mortgage origination systems and the wider supporting systems (quest, lender hub, kama etc.) • Support the management of a large volume of mortgage applications, and work is priortised accordingly to deliver against service KPIs • Understanding of system rules and affordability calculators to ensure adherence to policy and bank risk appetite • A good understanding of both Residential and Commercial lending, particularly in a UK market • Adhere to Standard Operating Procedures when assessing Mortgage valuations, Certificates of Titles and post offer documents, applying business and lending policies to the assessment to ensure appropriate decisions can be made as a result of the assessment • Identify and review changes to Standard Operating Procedures and support the implementation of improvement ideas to improve the customer experience and realise cost benefits Should be flexible with rotational shifts. One way transportation will be provided. Interested candidates can share their resume on the below mentioned email ID, ramakanth.sripati@wipro.com

Job description Walk-in Drive in Firstsource for US Mortgage Underwriters -Bangalore location Walk-in Time 10.00 AM to 4.00 PM Walk-in Date - 2ndt & 3rd August Walk-in address - 3rd floor , dragonfly building, Brigade tech gardens, Brookefield - 560037. 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 Should be good with income calculation & asset review 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

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. If anybody interested Kindly share your resume hrd5@venpastaffing.com 9087302690

Loc: Remote (WFH) Edu:Graduation Mandit(No Freshers) Req:Min 2yrs of exp in live underwriting with strong expertise in US Residential Mortgage process Sal: Up to 12 LPA(based on experience)+ Joining Bonus: 1,00,000 (for joining within 45 days) Required Candidate profile Analyze&calculate qualifying income from various tax docs: 1040s, Schedule E,1120,1065,1120S,K1"tax return" OR "transcript"K1etc. Review docs to assess risk and ensure compliance

Job Description Graduates & above Minimum 2 year of experience into Live Underwriting. 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 Contact : 89258 01182

Hiring for Live Underwriter( Permanent WFH) - For 3month training its WFO Location - Gurgaon / Hyderabad/ Mumbai/ Bangalore/Chennai US Night shift 45days notice ctc upto 12lpa Minimum 3+yrs of exp required in US Residential 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

Hiring for US Mortgage - Underwriting Requirements: Minimum 2 year of experience into Live Underwriting Location: Gurugram, Mumbai, Chennai, Bangalore, Hyderabad. Graduates & above CTC: Upto 12 lpa Work from home opportunity (US Shift) 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. Validate collateral and property valuations and assess appraisal documentation. Strong knowledge of FNMA, FHLMC, and optionally GNMA guidelines. Strong analysis with 4Cs (credit, collateral, capacity, capital). Interested candidates contact HR Prathibha - 8655884776 / prathibha@careerguideline.com

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

Designation - QA - Underwriting Shift US night shift ( WFO) Qualification - Graduate JD: Position Overview: The Underwriters 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 clients 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 clients 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

Job description Walk-in Drive in Firstsource for US Mortgage Underwriters - Gurugram location Walk-in Time - 11.30 AM to 4.30 PM Walk-in Date - 19th & 20th July 2025 (SAT & SUN) Walk-in address - Firstsource, 9thFloor, Candor Techspace, sector 48, Gurugram Haryana - 122022 . Contact Person - Supriya-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

Required Skills - Minimum 1.6years mandatory experience in US Mortgage Underwriting - Experience in reviewing the mortgage documents and completing the process steps defined by the client - Excellent oratory skills to communicate with US clients - Immediate availability to start - Flexibility to work night shifts and work from office/home. Perks and Benefits - Competitive salary in line with market standards - Opportunity to make a significant impact in a global organization - A dynamic and supportive work environment Interested folks can also reach out us through given mail id or mobile number Contact: 7012509383 Mail Id: athira.va@sutherlandglobal.com Call Between 12PM to 6Pm Good English communication is Must...

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 & responsibilities Designation - QA - Underwriting Level L3 Shift – US night shift ( WFO) Qualification - Graduate JD: 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 Preferred candidate profile

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)

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)

Hiring for Underwriting Requirements: Minimum 2 year of experience into Live Underwriting Location: Gurugram Haryana Graduates & above CTC: Upto 12 lpa Notice period immediate to 45 days Work from home opportunity (US Shift) 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. Interested candidates contact HR Prathibha - 8655884776 / prathibha@careerguideline.com

Role & responsibilities 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 borrower’s 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.

Designation - QA - Underwriting Level L3 Shift – US night shift ( WFO) Qualification - Graduate JD: 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

Designation - QA - Underwriting Level L3 Shift US night shift ( WFO) Qualification - Graduate JD: Position Overview: The Underwriters 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 clients 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. 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

Designation - QA - Underwriting Level L3 Shift – US night shift ( WFO) Qualification - Graduate JD: 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