117 Live Underwriting 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)

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 - Night (7 Pm to 5 Am) - 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. Strong working knowledge of 4Cs & Income Calculation 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.

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)

The role of Live Underwriter is based in Chennai and offers a competitive CTC with an attractive joining bonus. The ideal candidate should be able to join immediately or within a 30-day notice period and must be willing to work flexible night shifts. Key required skills for this role include: - Experience in live underwriting - Proficiency in Income Calculation and Debt-to-Income (DTI) Ratio Calculation - Expertise in the 4C's framework (Credit, Capacity, Collateral, and Capital) - Familiarity with Credit report Analysis & LOX (Letter of Explanation) - Knowledge of Residential Mortgage, Credit Bureau, necessary loan approval documents, and different account types.,

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 - 6th Sep Walk-in address - 2nd floor, Brigade Residency, Brigade Tech gardens, Brookfiled, Bangalore - 560037 Contact Person Supriya PS 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

Dear Candidate, We are hiring for US Mortgage Underwriting WFH Any graduate can apply (To Confirm Please Drop a Whatsapp or call on 9205053694 Meenakshi ) ( In case The Number Is Busy, Please Drop A Whatsapp @ 9205053694 Meenakshi ) 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 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. (To Confirm Please Drop a Whatsapp or call on 9205053694 Meenakshi ) ( In case The Number Is Busy, Please Drop A Whatsapp @ 9205053694 Meenakshi ) Regards SPARK CONSULTANCY

Dear Candidate, We are hiring for US Mortgage Underwriting WFH Any graduate can apply (To Confirm Please Drop a Whatsapp or call on 9205053694 Meenakshi ) ( In case The Number Is Busy, Please Drop A Whatsapp @ 9205053694 Meenakshi ) 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 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. (To Confirm Please Drop a Whatsapp or call on 9205053694 Meenakshi ) ( In case The Number Is Busy, Please Drop A Whatsapp @ 9205053694 Meenakshi ) Regards SPARK CONSULTANCY

About Client Hiring for One of the Most Prestigious Multinational Corporations! Job Title : Senior Live Underwriters Qualification : Any Graduate or Above Relevant Experience : 5 to 10 Years Must Have Skills : 1. Live underwriters 2. 4C's 3. Residential Underwriting 4. US Mortgage 5. Collateral Capacity 6. Credit & Income 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 16 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, Chaitanya HR Analyst Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 08067432493 | WhatsApp 8431371654 chaitanya.d@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

About Client Hiring for One of the Most Prestigious Multinational Corporations! Job Title : Senior Live Underwriters Qualification : Any Graduate or Above Relevant Experience : 4 to 8 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 16 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, Amulya G HR Analyst Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 080-67432458/Whatsapp @6366979339 amulya.g@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

About Client Hiring for One of the Most Prestigious Multinational Corporations! Job Title : Senior Live Underwriters Qualification : Any Graduate or Above Relevant Experience : 4 to 8 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 16 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, Sumitha HR Specialist Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 08067432406 | WhatsApp 9620242412 sumitha@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

About Client Hiring for One of the Most Prestigious Multinational Corporations! Job Title : Live Underwriters Qualification : Any Graduate or Above Relevant Experience : 3 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 16 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, Darini HR Senior Analyst Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 080-67432405 | WhatsApp 9591269435 darini@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

About Client Hiring for One of the Most Prestigious Multinational Corporations! Job Title : Live Underwriters Qualification : Any Graduate or Above Relevant Experience : 3 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 16 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, Niveditha HR Senior Analyst- TA-Delivery Black and White Business Solutions Pvt Ltd Bangalore, Karnataka, INDIA. Direct Number: 080-67432479/WhatsApp @9901039852| niveditha.b@blackwhite.in | www.blackwhite.in ****************************** DO REFER YOUR FRIENDS**********************************

You are invited to attend the HCL TECH MEGA DRIVE for the position of Residential Mortgage Team Leader. This role requires 5 to 8 years of experience in residential mortgage underwriting, specifically for Conventional/FHA/VA loans. The walk-in interview will be held on 22nd and 23rd February 2025 from 11:00 AM to 2:00 PM at Sy. No. 89, SEZ Unit-V, 3rd Floor, Tower 8, Gar Laxmi Infobahn, Kokapet, Ranga Reddy District, Hyderabad-500075. Please note that immediate joiners are preferred for this position. As a Residential Mortgage Team Leader, you will be responsible for overseeing a team of underwriters and senior underwriters, ensuring timely and high-quality deliverables. Your role will involve analyzing loan parameters, borrower details such as income, credit, and assets, and making informed decisions to mitigate credit risks. You must adhere to established guidelines, Fair Lending practices, and regulatory requirements while exercising sound underwriting judgment. Key responsibilities include ensuring SLA adherence, guiding the team towards operational excellence, providing functional training, maintaining quality benchmarks, handling client escalations, managing day-to-day operations, and implementing process improvements. You will also be required to handle complex borrower escalations, suggest process re-engineering solutions, and manage team performance effectively. To excel in this role, you must possess excellent reading and comprehension skills, strong decision-making abilities supported by thorough research, analytical and audit skills, effective communication skills, and knowledge of mortgage lending regulations. Additionally, logical reasoning, self-drive, a focus on deliverables, and a positive outlook are essential qualities. The minimum requirements for this position include a Bachelor's degree in any discipline, 5 to 7 years of banking experience with at least 3 years in residential mortgage underwriting, and demonstrated leadership experience. A willingness to work night shifts is a prerequisite. The benefits of joining HCL Tech include a competitive salary, cab facility, excellent working environment, and opportunities for career growth and development. At HCL Tech, we are committed to providing you with continuous learning opportunities, transparent communication with senior leaders, and the chance to explore different roles within the organization. We value diversity, offer a virtual-first work environment, and support your personal and professional growth at every stage of your career. Join us to be part of a global tech company with a strong focus on employee well-being and development.,

New American Funding (NAF) is a mortgage lender offering an array of loan options. Established in 2003 and headquartered in Tustin, CA, United States. New American Funding (NAF) - India, is the subsidiary of @New American Funding Inc., one of the largest privately-owned direct mortgage lenders in the US. At NAF - India, technology and process efficiency are the core of our business. We create technology products that enable seamless digital home loan experience for our buyers/borrowers. Our intelligent servicing platform supports end to end mortgage processing from digital application up to final payment. We also develop CRM, point of sale, and loan origination software products and provide training and technical support. Our business operations teams provide processing, underwriting, mortgage closing services and ensure homeowners and homebuyers navigate the complex world of mortgages and loans with ease and confidence. NAF - India, is committed to provide exceptional technical and business operations support, using technology as a powerful tool to simplify and improve the home loan experience Role & responsibilities Review all loan submissions submitted by production and origination staff and generate initial credit decision in accordance with FNMA, FHLMC, Bond and other private investor guidelines as well as internal overlays. Evaluate mortgage loan applications to determine eligibility, acceptability, and compliance with applicable state, federal and investor guidelines. Perform credit and property analysis on conventional and government loan files. Analyze complex tax returns and accurately calculate income. Perform timely reviews of submitted conditions and loan resubmissions. Input data and notes into the Encompass loan system. Maintain quality and production standards as set forth by management. Effectively communicate, orally, in writing, and via email, the decisions reached as to maintain positive working relationships with coworkers and customers. Other duties may be assigned. Qualification & Core Competencies Minimum 7 to 9 years of team handling experience Excellent command of the English language being fluent in spoken and written. MS Office application suite (preferably Word, Excel & PowerPoint). Conventional Underwriting Experience

Job Opening: Senior Associate Live Underwriting (4Cs) Experience is mandatory. Company: Sutherland Location: Navi Mumbai (WFH) Experience Required: 13 Years Shift Timing: 6.30 PM 6:30 AM (US Shift) Weekends Off: Any 2 rotational off Notice Period: Immediate Joiners Preferred Employment Type: Full-Time About the Role We are hiring skilled and detail-oriented Live Underwriters to join our lending team. This role is critical in evaluating loan applications, assessing borrower creditworthiness, and ensuring compliance with lending regulations. Key Responsibilities Review loan applications and supporting documents (income, credit, property valuations) Analyze financial statements, tax returns, employment history, and debt-to-income ratios Prepare underwriting summaries and recommend loan structures Communicate lending decisions clearly to stakeholders Reconcile complex accounts and prepare daily aging reports Required Qualifications Bachelor’s degree (mandatory) 1–3 years of experience in loan underwriting (manufactured housing preferred) Excellent verbal and written communication skills Ability to work independently and meet deadlines in a fast-paced environment Skills Required Typing speed: 25 WPM with 80% accuracy Pattern recognition and problem-solving How to Apply Send your updated resume to: Mehjbin.khan@sutherlandglobal.com Contact HR: Mehjbin-9136559570 " Sutherland never requests payment or favors in exchange for job opportunities. Please report suspicious activity immediately to TAHelpdesk@Sutherlandglobal.com

Role & responsibilities Preferred candidate profile Experienced in Underwriting / end to end underwriting/ Live underwriting Minimum 2years of experience Work mode: Work From Office Office location: Chennai Contact : 89258 01182

The position of US Mortgage Live Underwriter Process Associate is currently open for hiring in Bangalore. The ideal candidate should have a minimum of 2 years of experience in US Mortgage and live underwriting, with a good understanding of 4C's. This is a work from office role, and the selected candidate should be able to join immediately or within 30 days of notice. If you possess the required skills and experience and are interested in this opportunity, please share your resume with the following email address: rani.esteru@braceinfotech.com.,

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

Role & 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 borrowers 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 Preferred candidate profile Share your profile to gayathri.madhavraju@gomoder.com to complete your assessment.

Mphasis is Hiring: US Mortgage Underwriters Wanted! Are you an experienced mortgage underwriter looking to take your career to the next level? Join our dynamic team at Mphasis and be part of a company that values expertise, precision, and growth! Position Overview: Were looking for professionals with: 2+ years of experience in US Residential Mortgage Underwriting Strong knowledge of FNMA, FHLMC , and investor guidelines Excellent analytical, problem-solving, and decision-making skills Ability to evaluate complete loan documents and make sound approval/denial decisions Expertise in credit report analysis , including trade lines, derogatory accounts, and public records Proficiency in income calculation from various sources: salaried, business, retirement, rental Familiarity with tax documents: 1040s, Schedule E, 1065, 1120, 1120S, K1, transcripts Thorough asset verification : bank statements, retirement accounts, mutual funds, investments Strong grasp of the 4 Cs of Underwriting : Credit, Capacity, Capital, Collateral Ability to assess borrowers willingness and ability to repay Excellent communication and presentation skills Self-motivated and hardworking attitude Apply Now! Reach out to HR Janavi Gollapalli at: Janavi.gollapalli@mphasis.com Lets build the future of mortgage underwriting together! #MortgageUnderwriter #JobOpportunity #MphasisCareers #HiringNow #WalkInDrive

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: We are hiring for Core Underwriters in Pune with up to 4+years of experience in core underwriting. The role involves live underwriting origination and review, focusing on 4 C's knowledge, income calculations, and making decisions on loan approvals. Candidates must take ownership of mortgage applications from submission to offer, providing a seamless service to brokers and partners. Responsibilities include: - Reviewing and screening residential owner-occupied and buy-to-let mortgage applications - Anticipating underwriter needs by assessing application risks and ensuring compliance with lending policies - Ensuring data quality by identifying and correcting inaccuracies in customer information, property portfolios, and financial documentation - Handling income evidence, customer due diligence, buy-to-let portfolios, credit reports, and other necessary documentation - Applying bank policies for documentation, case setup, and mortgage valuation requirements - Following Standard Operating Procedures for assessing mortgage valuations and post-offer documents Location: Pune Interested candidates, please share your resume at shrenika.thube@wipro.com Contact number- 9773378964

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...