Mortgage Underwriter - QM/Non-QM, Due Diligence

We are expanding our India team and looking for experienced US Residential Mortgage Underwriters with a strong QM and Non-QM underwriting background to support Secondary Market Due Diligence Reviews.

You'll work on complex loan portfolios, delivering quality reviews for leading U.S. investors and aggregators.

Responsibilities

• Perform end-to-end underwriting reviews of loans underwritten for the secondary market
• Review credit, compliance, income, assets, collateral, and TRID adherence
• Identify and document gaps, risks, and inconsistencies in underwriting files
• Ensure alignment with agency/investor guidelines, regulatory standards, and client overlays
• Provide clear written feedback, escalate red flags, and support continuous improvement initiatives
• Work in coordination with QC leaders, audit, and compliance teams

Qualifications

• Minimum 5 years of mortgage underwriting experience
• Hands-on experience with QM and Non-QM loan underwriting
• Strong understanding of Fannie Mae, Freddie Mac, FHA/VA guidelines
• Working knowledge of TRID and other compliance regulations
• Ability to work independently in a high-volume, deadline-driven environment
• Strong documentation, audit, and communication skills