Mortgage Underwriter

As a US Mortgage Underwriter, your main responsibility will involve reviewing mortgage files submitted for underwriting. This role requires you to analyze income, debt, assets, as well as conduct a thorough review of appraisals and titles. You will need to input data into the loan operating system, utilize automated underwriting systems for approvals, and clear conditions for final approval. It is essential for you to work efficiently in a team setting, demonstrating strong organizational, communication, and PC skills. Your duties will include: - Conducting a comprehensive review of mortgage loan files, covering income, assets, credit, and collateral - Ensuring accurate data entry in the loan operating system - Underwriting loans in compliance with client guidelines, using automated underwriting systems or manual guidelines - Verifying the accuracy, completeness, and compliance of loan documents - Identifying and addressing red flags or alerts - Issuing loan decisions and addressing file conditions - Reviewing and approving conditions to meet compliance and complete loan files - Providing exceptional customer service to internal and external clients - Staying updated on client and investor requirements - Resolving underwriting-related pre and post-closing issues - Assisting Processors and Loan Officers in understanding underwriting decisions and conditions - Working efficiently in a high-pressure environment while maintaining a high level of customer service - Being available to work beyond regular hours as necessary Qualifications: - Minimum of 2+ years of current conventional mortgage loan underwriting experience Required Skills: - Proficiency in income calculations, tax returns, credit report analysis, and identifying red flags - Basic knowledge of appraisals and ability to spot red flags and ineligible properties - Thorough understanding of GSE underwriting guidelines and automated underwriting engines (DU/LP) - Strong analytical, interpersonal, verbal, and written communication skills - Detail-oriented with excellent time management abilities - Ability to thrive in a flexible and production-oriented environment - Team player with proficiency in working across multiple systems in a paperless setting - Willingness to work in a highly secure environment - NMLS-MLO Licensure preferred - Availability to work outside of regular business hours when required This is a full-time position that will require working in person. If you meet the qualifications and are ready to take on the responsibilities of a US Mortgage Underwriter, we encourage you to reach out to the employer at +91 9176017587. Regards, Swathy Bhaskaran,