277 Mortgage Underwriting Jobs - Page 4

Role & responsibilities 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 *Work Location: Kochi - Competitive salary in line with market standards - Opportunity to make a significant impact in a global organization - A dynamic and supportive work environment If youre ready to take your career to the next level and leverage your skills in a rewarding role, we want to hear from you! Apply now by sending your resume to: Rasha.Nafeesa@sutherlandglobal.com

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- Live Underwriter ( Experience with 4Cs Framework/UW guidelines/non-QM UW ) US Mortgage Process NIGHT SHIFT / 5 Days Working / WORK FROM HOME Interested Candidates Can Call on -6364920550 Interested Candidates Can Send their Cvs on - garima.sharma@adecco.com Role & Responsibilities 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. Must have training experience of handling small to large size batches. • Train staff on the basics of US mortgage industry and cover functional aspects of Loan Originations, Underwriting, Closing and Post closing, Servicing, Default Servicing and Title Industry. • Come with deep knowledge in the loan processing and pre-underwriting domain. • Trainee staff on loan processing concepts that includes reviewing 1003, identifying and understanding the initial submission of documents. • Expertise in training Underwriting concepts such as reviewing eligibility across Income, Credit, Collateral analysis, Assets. • Have wide knowledge of loan conditions and the supporting information or document to remediate those conditions. • Must be aware of and be able to train staff on compliance, regulatory standards and guidelines.

Role- Live Underwriter ( Experience with 4Cs Framework/UW guidelines/non-QM UW ) US Mortgage Process Mandatory (Only Night Shifts) Work Location : Anywhere in India (Remote Work) Interview- Assessment/ Ops Round / HR Round Interested Immediate Connect- Siddhi 6366783349 (Call/Whatsapp) or email at siddhi.pandey@adecco.com Qualifications & Requirements: bachelors degree or Equivalent Experience 2 + 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 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.

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)

Mphasis Walk-in Drive US Mortgage Underwriter Location: EON Kharadi Infrastructure Pvt Ltd, Cluster C, Wing 3, Ground Floor, Pune - 411014. Date: Recently (17th July 2025 - 18th July 2025) Employment Type: Full-Time About the Role: We are seeking a detail-oriented and experienced US Mortgage Underwriter to join our dynamic team. In this role, you will be responsible for the end-to-end underwriting process of residential mortgage loans, ensuring compliance with investor guidelines, company policies, and regulatory requirements. Key Responsibilities: Review and analyze mortgage loan applications, credit reports, income documentation, and property appraisals. Perform risk assessments and make sound underwriting decisions on conventional, FHA, VA, and USDA loans. Ensure loans meet all investor and regulatory guidelines (Fannie Mae, Freddie Mac, etc.). Communicate underwriting decisions and conditions clearly to processors and loan officers. Maintain high levels of accuracy and productivity while meeting service level agreements (SLAs). Stay updated on industry trends, underwriting guidelines, and compliance regulations. Qualifications: 3+ years of experience in US mortgage underwriting (end-to-end). DE/SAR/LAPP certification preferred. Strong knowledge of AUS systems (DU, LP). Familiarity with Encompass or similar LOS platforms. Excellent analytical, communication, and decision-making skills. Ability to work independently in a fast-paced, deadline-driven environment. Walk-in Instructions: Bring a hard copy of your resume Mention HR Janavi Gollapallis name on the resume

Position Summary (Underwriting): The Mortgage underwriting Manager must have managed the eligibility of loan applications of residential mortgage (1-4 family) loans. This role requires experience in analyzing and verifying loan applications, review of all 4 Cs, evaluating risks, and making loan eligibility decisions. The incumbent ensures the accurate, efficient, and timely flow of information/documentation for offering quality and efficient services. Responsibilities: Knowledge of mortgage underwriting and Agency automated underwriting systems. Demonstrate a full understanding of agency guidelines as well as posted Lender internal guidelines Experience in full analysis of all types of income (Self/Rental/Wage/etc.), Assets, Liabilities, Credit and Collateral. Experience in managing credit, income, and assets on a loan-by-loan basis to properly assess individual risk, and promptly provide underwriting decisions to Mortgage Originators Experience in managing property documentation including title commitments, sales contracts, insurance, and flood determinations Maintain a well-developed knowledge of loan product guidelines and industry regulations, including assisting in the prevention, detection, and resolution of mortgage fraud Transaction Quality• Drive continuous improvement for Transaction Quality and Delivery• Manage Transaction Quality & Client related Key Performance Indicators (KPIs)• Evaluate effectiveness of transactional quality interventions• Strengthen Quality management processes / framework to improve quality delivery• Accurately capture SLA/SLO metrics, the reporting needs of each of the client and set up / customize processes to seamlessly meet client's expectations • Ability to get out of the box ideas and Process improvement initiatives in the process • Should drive Process control & Compliance in addition to managing Audit SLAs • Provide crisp and specific feedback to Front Line Recruitment Teams on quality of new hires • Provide quality floor support, feedback, refreshers etc. via the teams aligned • Facilitate Quality and Compliance team to perform various audits and follow-ups based on the observations highlighted Essential Skills / Expertise required:- • Six Sigma Green Belt Certified • Effective People Management skills to be able to drive teams across LOBs and/or Geographies • Ability to drive initiatives to closure• Ability to deal with all levels of employees and to provide leadership, direction and motivation to building performing teams • Analytical Skills / Quantitative skills with excellent data handling / data interpretation skills • Excellent Communication skills Both verbal and written to manage client and leadership communication • Needs to have good working knowledge of Transaction Quality systems, tools and technologies • Process Oriented, Planning, Decision making, Data Handling, Ability to prioritize, Ability to meet deadlines • Detail oriented, Strong organizational skills and Presentation skills • Flexible to work in 24X7 environment Qualifications Bachelor's Degree

Role & responsibilities 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 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 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 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

Affordable housing loan gram panchayat and Gautham property knowledge must. • Visiting business premise, property of customer at the time of PD in HL/Lap • Ability to understand customer business and requirement from their perspective Required Candidate profile Male Graduate with 2 - 5 years’ experience underwriting and sanction of home loan/LAP Understanding credit worthiness of customers observation & findings of PD gram panchayat and Gautham property

Role & responsibilities : Risk Assessment: Mortgage underwriters analyze a borrower's credit history, income, assets, and debts to assess their ability to repay the loan. Loan Eligibility: They determine if the borrower meets the lender's criteria for loan approval, considering factors like loan-to-value ratios, debt-to-income ratios, and other financial metrics. Document Verification: Underwriters meticulously review loan applications and supporting documentation to ensure accuracy and compliance with lending guidelines and regulations. Decision Making: Based on their analysis, underwriters make informed decisions on whether to approve, deny, or request further information on a loan application. Compliance: They ensure all loan applications adhere to relevant lending laws and regulations. Communication: Underwriters communicate with loan officers, brokers, and other relevant parties regarding the status of loan applications and any required documentation. Risk Mitigation: They play a key role in minimizing the lender's financial risk by thoroughly evaluating each loan application. Preferred candidate profile : Degree in business, banking, finance, or a related field. Experience in loan underwriting. Highly organized and able to prioritize. Good communication skills, both verbal and written. Detail-oriented with strong data analysis skills. High mathematical aptitude. Good working knowledge of mortgage loan processing and relevant legal regulations. Proficiency in Microsoft Office and automated underwriting systems.

Walk-in Drive in Firstsource for US Mortgage Underwriters -Gurgaon location Are you an Underwriter? Looking for Work from home opportunity? Here we are coming to Gurgaon to conduct Walkin drive on 19th & 20th July. Walk-in Time 10.00 AM to 5.00 PM Walk-in Date - 19th & 20th July Walk-in Address : Firstsource 9thFloor, Candor Techspace, sector 48, Gurugram Haryana - 122022 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 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

Job Title: QA Underwriter Job Type: Full time Job Opportunity Available Work Location Available: Pune and Chennai (Work from office) Shift time: Monday to Friday (6.30 pm to 3.30 am)(Must be comfortable with night shifts) Summary The QA 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 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 Kindly apply only if you have experience with US Mortgage Underwriter (Residential). You can also share your updated resume to my email id: renita.lasrado1@mphasis.com

Role: Team leader exp: 6 + yrs US Mortgage Underwriting salary: Upto 10 LPA Location: Pune and Jaipur Immediate joiner proper documents for team leader Regards, 7826055629

Job Title: US Mortgage Underwriter Location: [Pune / Chennai] Employment Type: Full-Time About the Role: We are seeking a detail-oriented and experienced US Mortgage Underwriter to join our dynamic team. In this role, you will be responsible for the end-to-end underwriting process of residential mortgage loans, ensuring compliance with investor guidelines, company policies, and regulatory requirements. Key Responsibilities: Review and analyze mortgage loan applications, credit reports, income documentation, and property appraisals. Perform risk assessments and make sound underwriting decisions on conventional, FHA, VA, and USDA loans. Ensure loans meet all investor and regulatory guidelines (Fannie Mae, Freddie Mac, etc.). Communicate underwriting decisions and conditions clearly to processors and loan officers. Maintain high levels of accuracy and productivity while meeting service level agreements (SLAs). Stay updated on industry trends, underwriting guidelines, and compliance regulations. Qualifications: 3+ years of experience in US mortgage underwriting (end-to-end). DE/SAR/LAPP certification preferred. Strong knowledge of AUS systems (DU, LP). Familiarity with Encompass or similar LOS platforms. Excellent analytical, communication, and decision-making skills. Ability to work independently in a fast-paced, deadline-driven environment. Why Join Us? Competitive salary and performance-based incentives Flexible work environment (remote/hybrid options) Health, dental, and vision insurance Opportunities for growth and professional development Supportive and collaborative team culture Apply Now If you're passionate about mortgage underwriting and want to be part of a growing, innovative team, wed love to hear from you! HR Janavi Gollapalli Email Id: Janavi.gollapalli@mphasis.com

6 months - 1 year of U.S. mortgage underwriting experience with at least 6 months in Non-QM. In-depth knowledge of Non-QM programs including Bank Statement, DSCR, 1099, CPA/P&L, and Asset Utilization loans. Willingness to work in night shift Required Candidate profile 3 m Training in day shit at Perungudi office after that remote share the profile at jayalakshmi@aeliuscityhr.com

Greetings, We have an opening for one of our clients Mphasis, permanent position exp in income calculations, tax returns, reading credit reports, identifying red flags knowledge in GSE underwriting, automated underwriting. Note : US Shift ( 6:30 pm -3:30am )

POSITION SUMMARY The Senior Auditor reports to Team Leader, Originations Credit Quality Control. The team is responsible to review loans from an underwriters perspective for Forward and Reverse Lending (Pre and Post Funding) and provide appropriate and timely feedback to the underwriter. The position requires a thorough understanding of Conventional, FHA and VA underwriting guidelines for Forward and Reverse Lending transactions. The Auditor is responsible to review a loan sample selected for prefunding quality assurance underwriting and/or post funding review due diligence underwriting, including but not limited to, ensuring the loan meets investor/insurer requirements, limited regulatory requirements and is within risk tolerance as it relates to mortgage lending. JOB FUNCTION AND RESPONSIBILITIES: The Quality Control Senior Auditor reports to Team Leader, Originations Credit Quality Control. The team is responsible to review loans from an underwriters perspective for Forward and Reverse Lending (Pre and Post Funding) and provide appropriate and timely feedback to the underwriter with strong organizational, problem-solving, and analytical skills and acute attention to details. The position requires a thorough understanding of Conventional, FHA and VA underwriting guidelines for Forward and Reverse Lending transactions. Thorough working knowledge of US mortgage documentation, policies, compliance, and procedures along with investor guideline requirement. High level of proficiency with mortgage loan processing and underwriting systems and must have in-depth knowledge of Conforming, Non-conforming, FHA, and VA investor requirements. The Auditor is responsible to review a loan sample selected for prefunding quality assurance underwriting and/or post funding review due diligence underwriting, including but not limited to, ensuring the loan meets investor/insurer requirements, limited regulatory requirements and is within risk tolerance as it relates to mortgage lending. Complete working knowledge on 4 C’s (Credit, Capacity, Capital, and Collateral). Conventional and government investor specific working knowledge on all types of income calculation, credit reviews, Assets/Capital review, Appraisal review, AUS based and Manual underwriting related guideline requirements. QUALIFICATION: Bachelor’s degree preferred. 3-5 years minimum Quality Control OR Mortgage Underwriting experience is required. Must have in-depth knowledge of Conforming, Non-conforming, FHA, and VA underwriting requirements Must have mortgage industry experience. Thorough working knowledge of real estate documentation, policies, compliance, and procedures. High level of proficiency with mortgage loan processing and underwriting systems. Commitment to excellence and high standards. Strong organizational, problem-solving, and analytical skills. Versatility, flexibility, and a willingness to work within constantly changing priorities with enthusiasm. Acute attention to detail. Proficient on computer programs required for position. Good judgment with the ability to make timely and sound decisions. WORK SCHEDULE OR TRAVEL REQUIREMENTS: Mid-Shift

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 Overview: The Computer Operator is responsible for overseeing the daily operation of computer systems used in construction project management. This includes managing project data, assisting with design and scheduling software, troubleshooting hardware and software issues, and ensuring that all construction technology runs smoothly to support ongoing and upcoming projects. Key Responsibilities: System Management: Monitor and maintain construction management software systems, including project management, scheduling, and budgeting tools. Operate and oversee software for design and drafting (e.g., AutoCAD, Revit) to support engineers, architects, and project managers. Ensure all construction-related data is accurately stored, organized, and backed up in the system. Data Entry & Processing: Input and update project information, including material costs, labor hours, progress reports, and other relevant construction data. Generate daily, weekly, and monthly reports for project managers and stakeholders. Maintain accurate records of construction timelines, budgets, and resource allocation in digital systems. Collaboration: Work closely with engineers, project managers, architects, and field teams to ensure that technological systems meet project needs. Communicate any system issues to senior management and IT personnel to ensure quick resolution. Compliance & Security: Ensure that all construction data complies with industry regulations and company policies. Assist in maintaining cybersecurity protocols for sensitive construction data. Perform regular data backups and ensure the security of digital project information. Skills & Qualifications: Technical Skills: Proficiency in construction management software (e.g., Procore, Buildertrend, Microsoft Project). Familiarity with design and drafting software (e.g., AutoCAD, Revit). Basic knowledge of networking and troubleshooting hardware and software issues. Experience: Previous experience in a computer operator or similar role, preferably within the construction industry. Understanding of construction terminology, processes, and industry standards. Education: High school diploma or equivalent; associate's degree in computer science, information technology, or a related field preferred.

Job Description: US Mortgage Location: Noida Shift Timings: Flexible (Rotational Shifts) About the Role: NLB Services is Looking forward to hiring underwriters who have experience in the US Mortgage industry or Quality review experience . Experience:- 1 to 4 years Job Location: Noida (Work from Office) Shift:- 5.30 PM to 2.30 AM Immediate joiners are preferred. Both Sides Cabs Available Skills - Loan Servicing , Loan Processing , underwriter , US Mortgage, Quality review check ,Quality review

Job Overview: The Computer Operator is responsible for overseeing the daily operation of computer systems used in construction project management. This includes managing project data, assisting with design and scheduling software, troubleshooting hardware and software issues, and ensuring that all construction technology runs smoothly to support ongoing and upcoming projects. Key Responsibilities: System Management: Monitor and maintain construction management software systems, including project management, scheduling, and budgeting tools. Operate and oversee software for design and drafting (e.g., AutoCAD, Revit) to support engineers, architects, and project managers. Ensure all construction-related data is accurately stored, organized, and backed up in the system. Data Entry & Processing: Input and update project information, including material costs, labor hours, progress reports, and other relevant construction data. Generate daily, weekly, and monthly reports for project managers and stakeholders. Maintain accurate records of construction timelines, budgets, and resource allocation in digital systems. Collaboration: Work closely with engineers, project managers, architects, and field teams to ensure that technological systems meet project needs. Communicate any system issues to senior management and IT personnel to ensure quick resolution. Compliance & Security: Ensure that all construction data complies with industry regulations and company policies. Assist in maintaining cybersecurity protocols for sensitive construction data. Perform regular data backups and ensure the security of digital project information. Skills & Qualifications: Technical Skills: Proficiency in construction management software (e.g., Procore, Buildertrend, Microsoft Project). Familiarity with design and drafting software (e.g., AutoCAD, Revit). Basic knowledge of networking and troubleshooting hardware and software issues. Experience: Previous experience in a computer operator or similar role, preferably within the construction industry. Understanding of construction terminology, processes, and industry standards. Education: High school diploma or equivalent; associate's degree in computer science, information technology, or a related field preferred.

Mortgage Underwriting Quality Control (QC) DU/LP (Desktop Underwriter / Loan Prospector) GSE Guidelines (Fannie Mae, Freddie Mac) Loan Origination Systems (LOS) Red Flag Identification Appraisal Review Risk Assessment Mortgage Compliance US Mortgage Required Candidate profile US Mortgage Manual Underwriting Error Trend Analysis QC Auditing NMLS Licensed (Preferred) Rotational & Night Shifts Strong Analytical & Communication Skills