17 Loan Underwriting Jobs

Job Title: Lead Analyst SME (Subject Matter Expert) Role Overview The professional will have the opportunity to work directly with New York stakeholders to primarily perform day-to-day originations/underwriting related tasks for Insurance funds. Function Overview Assist in the production of Screening Memos for the Originations Team: As part of the loan origination process, the Origination Team produces a screening memo that details property level information (photos, maps, property description, rent roll and cash flows), market information (comparable property metrics and location) and financing information (capital stack, debt yield and loan information). The initial goal is for company to participate in the production of screening memos with the potential to participate in the underwriting and approval process for deals that BREDS elects to finance and refinance as well. Focus is to work on all the asset classes such multifamily, retail, storage, Industrial etc. loans originated by the Insurance. The Candidate would be supporting on the different workflows as mentioned below: Agency Pre-screening and ICM: Screening/underwriting of Agency Loans (Fannie Mae), deriving Underwriting Value, using financial spreading, rent roll analysis and creation of Investment Committee Memo. Non-Agency/Deal Pre-screening and ICM: Screening/underwriting of Non-Agency Loans, deriving Underwriting Value, using financial spreading, rent roll analysis and creation of ICM. Loan Portfolio Stratification and ICM: Stratification of portfolio of loans belonging to various asset classes, assessing their risk exposure using their property level, loan level and performance metrices. Draw Review Process: Reviewing draw related Invoices, Proof of Payments, Construction Budget, TI/LC, etc. and updating the Draw Review Trackers accordingly. On Boarding the delas on AI Based platform with the help of various closing documents, Offering Memorandum, Loan Agreement etc. While the initial function will be to take direction from the Origination team members, the aspirational goal is to expand the Wipro scope to include the following: Extracting market and asset specific statistics from various data sources (for eg: CoStar or similar platforms) for the pipeline deals which are shortlisted for screening or underwriting. Comparing the key deal metrics which includes Occupancy, Cap Rates, Debt Yield, Cash Flow, NOI etc. of the pipeline deals with existing portfolio. Analyzing property pictures & map for location-based insights, preparing the capital stack (i.e., Equity vs. Debt) and presenting them in an excel and ppt format. Collecting and preparing sales and rent comparable of the target originations with the market data sourced through broker reports or web-based applications. Studying the demographics to understand the unit mixes, interpreting all sources of incomes & expenses through review of cash flows, ascertaining vacancy rates & rental income using rent rolls and using NOI to calculate key liquidity ratios i.e., DSCR, DY etc. Creating investment memorandums with the deal team ahead of investment committee. Conducting due diligence prior to closing of deal as per closing checklist. Data input in pipeline tool (i.e., DealPath, Loan Tapes) as and when required. Essential Skills & Experience: Must have a good knowledge of US Real Estate Industry and Market in underwriting the CML/CRE loans across all the sectors; along with hand on experience in underwriting the Multifamily agency (Freddie & Fannie) loans. Should be aware of the US taxes for different States and Counties; along with knowledge of various rent/sales comparable to be used in accordance with subject properties. Must be well versed with concepts of Cap Rate/Index rate/ LTC/LTV/Spreads/Cap Stack, Implied vs Cash Equity and various loan specific terminologies. In addition, should know the implications and effect of UW In-place and Mark to Market assumptions using property financials and its demographics through broker provided offering memorandum. Candidate should have the knowledge of US Market and Sub-Market to understand the deals demographics and its impact on the subject property. Hand on experience and proficient in preparing the dynamic financial models in MS excel. Masters degree Major in Finance or Banking and Capital Markets, CFA designation a plus. Exceptional quantitative aptitude and skill set with a mastery of Microsoft Office applications. Ability to manage multiple priorities in a fast paced, fluid environment. Previous background with real estate lending required with Debt Underwriting in real estate preferable. Rigorous analytical mindset with a high level of intellectual curiosity and excellent problem-solving skills. Acute focus on attention to detail, accuracy, and data validation. Effective communication skills (listening, verbal, and written). Excellent interpersonal and teamwork skills. Sound judgment and discretion. Strong initiative, energy and confidence completing assignments with limited supervision.

Profile- Mortgage Underwriter Package- Upto 5.5LPA Exp-Min 2 to 3yrs Shifts- Night Both side Cabs *Immediate joiners* Anushika 9511159022 anushika.imaginators@gmail.com

Greetings from JobShop, India's Largest BPO Recruitment Company One of our premium client is hiring for underwriter (please do not apply if you are a mortgage underwriter) We are looking for Candidates who have experience in underwriting of Business Loans, Insurance, Loans, Corporate Loans, Non Mortgage Loans Salary upto 6 LPA, work location Bengaluru, whitefield Call HR John 6362028414 / 9964080000 or visit jobshop.ai to explore other open positions with us

Exp. in US Mortgage Underwriting (Required) 4 Years+ (SME/Lead) - Upto 10 LPA 7 Years+ (AM) 14 LPA 10 Years+ (MGR) 18 LPA (Min. Team size handled - 50 FTE's+) Graduate ONLY 5 Days/Rotational Shifts/Cabs Please Call - 9999869475

Hiring for Insurance Underwriter Any graduate with 1 year exp in Underwriting (International Only) CTC-Upto 4.5 LPA WFO-US Shifts 5 days working Both side cab provided Notice-0-30 days Location-Bangalore

Job Title : Commercial Real Estate Underwriter Location State : Tamil Nadu Location City : Chennai Experience Required : 1 to 3 Year(s) CTC Range : 3 to 6 LPA Shift: Rotational Work Mode: Onsite Position Type: Permanent Openings: 10 Company Name: VARITE INDIA PRIVATE LIMITED About The Client: Client is a leading global professional services company that helps the worlds leading businesses, governments and other organizations build their digital core, optimize their operations, accelerate revenue growth and enhance citizen services. About The Job: Strong domain expertise in commercial real estate (CRE), Loan Underwriting, Loan/Lease Abstraction, Loan Setup, Operating Statements, Rent Rolls, Equity & Debt Financing, property valuation models through Discounted Cash Flow analysis. Support the team working for CRE mortgage lenders and investors engaged in loan underwriting and acquisition/disposition or asset management. Review market performance and borrower creditworthiness to arrive at potential strengths and risks/mitigants for loans underwritten Perform Review and provide feedback to team members Good communication skills Understand Client emails Analyse complex deals and provide guidance to team members Essential Job Functions: Good written and oral communication skills Clearly communicate and interpret financial data like Loan Terms, Rent Rolls, Operating statements etc. Interpretation of complex Commercial, Office and Retail Loan documents Review of Underwriting templates, Loan/Lease abstracts, Loan set-up, Equity & Debt Financing. Thorough knowledge/experience in analyzing Budget data including various expense line items pertaining to the different types of Properties, Rent Roll Summary, Underwriting and Re-Underwriting, Loan Terms etc. Ability to work on multiple projects and work under tight timelines. Qualifications: Educational Qualifications B.Com, BBA, MBA Working Conditions Willing to work in flexible shifts including night shifts Work from Office How to Apply: Interested candidates are invited to submit their resume using the apply online button on this job post. Equal Opportunity Employer: VARITE is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity or expression, national origin, age, marital status, veteran status, or disability status. Unlock Rewards: Refer Candidates and Earn. If you're not available or interested in this opportunity, please pass this along to anyone in your network who might be a good fit and interested in our open positions. VARITE offers a Candidate Referral program, where you'll receive a one-time referral bonus based on the following scale if the referred candidate completes a three-month assignment with VARITE. Exp Req - Referral Bonus 0 - 2 Yrs. - INR 5,000 2 - 6 Yrs. - INR 7,500 6 + Yrs. - INR 10,000 About VARITE: VARITE is a global staffing and IT consulting company providing technical consulting and team augmentation services to Fortune 500 Companies in USA, UK, CANADA and INDIA. VARITE is currently a primary and direct vendor to the leading corporations in the verticals of Networking, Cloud Infrastructure, Hardware and Software, Digital Marketing and Media Solutions, Clinical Diagnostics, Utilities, Gaming and Entertainment, and Financial Services.

We are seeking a dynamic and experienced Home Loan Manager to lead our mortgage lending team and ensure the smooth processing of home loan applications. This role requires someone who can manage a high volume of loans, guide clients through the loan process, and maintain strong relationships with lenders, real estate agents, and clients. The ideal candidate will be highly skilled in mortgage products, risk management, and delivering exceptional customer service. Key Responsibilities: Loan Origination & Consultation: Lead consultations with clients to understand their financial needs and recommend the most appropriate loan products (e.g., FHA, conventional, VA loans). Application Processing: Oversee the collection of all necessary documentation for loan applications, including income verification, credit history, and property details. Underwriting and Approval Management: Collaborate with underwriters and ensure loans meet compliance standards and regulatory requirements. Work to ensure timely loan approvals. Client Relationship Management: Build and maintain strong relationships with clients, offering exceptional service throughout the entire loan process, from initial consultation to post-closing. Team Leadership & Training: Manage and mentor junior loan officers and support staff. Provide guidance on best practices, compliance, and customer service excellence. Compliance & Risk Management: Stay current on mortgage regulations and ensure that all loans are processed in accordance with company policies, state laws, and federal regulations. Market Insights & Product Knowledge: Stay informed about market trends, interest rates, and new loan products to provide expert advice to clients. Problem Resolution: Address any challenges or issues that may arise during the loan process, ensuring timely resolutions for clients. Key Qualifications: Experience: Minimum of 5+ years of experience in mortgage lending or home loan management. Education: Bachelors degree in finance, business, or a related field (preferred). Licensing: Valid NMLS (Nationwide Mortgage Licensing System) license required. Knowledge & Skills: In-depth understanding of mortgage products and loan underwriting. Strong knowledge of federal and state mortgage lending regulations. Excellent communication skills, both verbal and written, with the ability to explain complex financial information to clients. Experience in team management and training. Strong attention to detail and ability to handle multiple loan files simultaneously. Customer-focused with a passion for providing excellent service. Proficiency with mortgage loan software and CRM tools. Experience working with a diverse range of clients and loan types.

Greetings from JobShop, India's Largest BPO Recruitment Company One of our premium client is hiring for underwriter (please do not apply if you are a mortgage underwriter) We are looking for Candidates who have experience in underwriting of Business Loans, Insurance, Loans, Corporate Loans, Non Mortgage Loans Salary upto 6 LPA, work location Bengaluru, whitefield Call HR Ambika on 9110657487 or 9964080000 or visit jobshop.ai to explore other open positions with us

Greetings from JobShop, India's Largest BPO Recruitment Company One of our premium client is hiring for underwriter (please do not apply if you are a mortgage underwriter) We are looking for Candidates who have experience in underwriting of Business Loans, Insurance, Loans, Corporate Loans, Non Mortgage Loans Salary upto 6 LPA, work location Bengaluru, whitefield Please call Ambika on 9110657487 or 9964080000

Role & responsibilities Review approved loans/insurance policies to ensure that all legal regulations, required conditions, and company policies are met Research all areas of an applicants financial background, including employment history, credit reports, and banking and asset information Analyze financial information and create comprehensive risk assessment reports for each applicant, communicating findings clearly with team members Advise the company on whether or not to approve an application based on risk assessment Proofread files before they are submitted for approval, correcting any errors and filling in any incomplete details

Responsibilities: Evaluate loan applications based on internal credit policies and RBI guidelines. Analyze financial documents, bank statements, credit bureau reports, and applicant details. Work closely with Relationship Managers and the digital operations team to ensure quick turnaround time. Identify potential fraud or risk indicators using both manual and automated tools. Ensure proper documentation, KYC validation, and adherence to regulatory norms. Make clear credit decisions and communicate rejections with documented reasoning. Maintain MIS for applications, approvals, and rejections.

Role & responsib Job Title: Credit Manager Unsecured Business Loans Company: Sampathi Credits Pvt. Ltd. Location: Chennai, Tamil Nadu Industry: NBFC – Financial Services Experience: Minimum 3 years in Credit/Risk assessment (Unsecured Business/Retail/MSME Loans) About the Company: Sampathi Credits Pvt. Ltd. is a fast-growing Non-Banking Financial Company (NBFC) focused on empowering small businesses and entrepreneurs through accessible and innovative credit solutions. Our core mission is to bridge the credit gap by providing unsecured business loans tailored to the unique needs of MSMEs and emerging enterprises. As we continue our expansion across Chennai, we are seeking a skilled and driven Credit Manager to join our dynamic team. Key Responsibilities: Evaluate and approve unsecured business loan applications based on financial data, cash flow analysis, and risk parameters. Perform thorough credit assessments of individuals and businesses, ensuring sound lending decisions aligned with company policies. Analyze applicant financial statements, credit bureau reports, and business performance to assess creditworthiness. Monitor portfolio quality and conduct periodic reviews to identify early warning signals and mitigate risks. Work closely with the sales and collections teams to ensure timely disbursal and effective risk mitigation. Maintain documentation and ensure compliance with internal credit policies and regulatory norms. Use credit scoring models and tailor underwriting practices to balance risk and business growth. Recommend and implement credit policy enhancements based on market trends and portfolio performance. Requirements: Experience: Minimum 3 years in credit assessment for unsecured loans (Retail/MSME preferred). Industry Background: Banking, NBFC, Microfinance, or other lending institutions. Education: Bachelor's degree in Finance, Accounting, Business, or related field (MBA/CA is a plus). Strong knowledge of lending procedures, credit policies, and risk management practices. Proficient in analyzing financial statements, bank statements, and credit reports. Excellent analytical, communication, and decision-making skills. Must be based in Chennai or willing to relocate. Why Join Us? Be part of a high-growth NBFC committed to financial inclusion. Opportunity to shape and influence credit policy in a dynamic lending environment. Competitive salary and career advancement opportunities. ilities Preferred candidate profile

Position Underwriters CL;- 11 No. of positions 10 Location – Manyata Tech Park Skill – Voice Skill Ask – Credit/Loan underwriters with excellent communication skills Shift – Early morning – 3 a.m. – 4 a.m. login/Rotational shift Week Offs – Rotational Graduation Mandatory Versant Mandatory - 55 Email id: Vibha.Tyagi@pyramidconsultinginc.com

Job role- Underwriter Representative Job Location- Bangalore/Gurugram Work From Office Rotational Shift/week offs **Looking for underwriters with excellent communication skills in English** **Australian Mortgage or UAE Loan/Mortgage Underwriters** Required Candidate profile - Min 2 Year experience as Underwriter in Australian or UAE Mortgage/Loan Underwriting - Home/Loan/Mortgage Underwriting - Graduation Mandatory Call@ 8723051470 / 8099138355 / 9387861694 / 9387861695

1. Underwriting of SME (LAP/ medical Equipment/ Machinery funding, etc), EDI and MFI cases of high-ticket size 2. Team Management Driving optimal use of the Loan Origination System and Loan Management system 3. Maintain Credit TAT 4. Manage Credit Underwriting as per policy 5. Monitor Delinquency and NPA to budgeted levels for the product 6. Manage Credit Cost as per approved budgets 7. Give feedback to Credit Policy based on experience of underwriting 8. Data Slicing/ Analysis and publishing of the reports 9. PDD monitoring 10. Industry Analysis 11. TAT 12. Portfolio Quality 13. Quality of Appraisal 14. Cost Management Implementation of Processes 15. Team Management

Credit Risk Assessment : Conduct comprehensive credit analysis for all potential borrowers, including reviewing financial statements, business models, industry risks, and personal financial history. Assess creditworthiness using various financial metrics, models, and risk indicators. Develop credit scoring models and approval frameworks for different types of loans. Loan Evaluation & Approval : Review loan applications and proposals to ensure they meet the company's policies and procedures. Prepare detailed credit reports and recommendations for approval or rejection based on risk assessment. Collaborate with the sales and relationship management teams to understand customer needs and provide appropriate credit products. Portfolio Management : Monitor and manage the quality of the existing credit portfolio to minimize default risk. Identify early warning signals of potential defaults or credit deterioration and take corrective measures. Manage overdue accounts, develop recovery strategies, and coordinate with the collection team. Policy Compliance & Reporting : Ensure all credit assessments are in line with regulatory requirements and internal credit policies. Stay updated on regulatory changes and ensure the company's credit operations comply with local and national laws. Prepare and present periodic reports on credit portfolio performance, risk exposure, and operational efficiency to senior management. Credit Documentation & Controls : Ensure that all loan agreements, security documentation, and collateral are accurately prepared, verified, and filed in accordance with company standards. Coordinate with legal and compliance teams to ensure proper documentation and legal procedures are followed. Customer Relationship Management : Work closely with customers to understand their financial needs, guiding them through the loan process and ensuring customer satisfaction. Act as a liaison between the credit team and other internal teams (sales, operations, risk) to deliver seamless customer service. Qualifications: Educational Qualifications : Bachelor's or Masters degree in Finance, Business Administration, Economics, or related fields. Certification in Credit Risk Management or related finance credentials is a plus. Experience : Minimum of 3-5 years of experience in credit evaluation, underwriting, or credit risk management, preferably in an NBFC, bank, or financial services company. Proven experience in managing a diverse portfolio of loans and understanding credit risk principles. Strong knowledge of financial statements analysis, credit scoring models, and loan structuring. Skills : Strong analytical skills with the ability to assess financial documents and data. In-depth knowledge of credit policies, financial products, and regulatory frameworks. Excellent communication, negotiation, and interpersonal skills. Proficiency in Microsoft Office Suite, particularly Excel, and credit management software. Personal Attributes : Detail-oriented with a high level of accuracy in financial analysis. Ability to work under pressure and handle challenging credit cases. Strong problem-solving skills and sound judgment in decision-making. Excellent time management and organizational skills.

Credit Manager - Business LAP Designation Credit Manager Grade Executive Reporting to Area Credit Manager Location: Vellore, Tirupati, Surat,Faridabad,Tiruchipalli Function Risk (Underwriting) Job Purpose The role incumbent will be responsible for end-to-end credit underwriting and disbursal of mortgage loans (Business LAP) Role • Credit assessment and underwriting of loan applications based on product and policy norms end to end from login to disbursal of loans • Appraising loan applications for credit worthiness ensuring adherence to KYC norms, credit bureau assessment and financials • Disbursal of loans including all checks and verifications • Coordination with legal, technical and processing vendors and training of vendors and vendor staff on processes and polices • In-person meetings and discussions with clients • Responsible for maintaining the processing TAT • Vendor management, including quality monitoring Qualification & experience • Years of experience 1 to 3 years preferred • Mandatory Qualification MBA in Finance/CA • Working knowledge of mortgage underwriting especially in the subjective underwriting phase & has worked in the same geography as role • Good to have - Basic financial knowledge of P&L / Balance Sheet and financial ratios Essential skills • Ability to work in unstructured and evolving situations with an open mind • Adhere to expected TAT without compromising on quality • Work collaboratively with Sales and Operations team in the location to achieve strategic business goals • Ability to understand customer needs and be responsive • Technology skills understanding of and working with existing market technologies in the mortgage industry.