277 Mortgage Underwriting Jobs - Page 7

Job Description -Understand customer requirements and provide solutionLiaise with different teams on processing and call closuresUpsell to customersRenewal premium collection through calling and home visitsConvenience customer to stay invested in policy (surrender Retention) & Pitch Loan against policy.Error free & timely processing of request and complaints

Job Description -Understand customer requirements and provide solutionLiaise with different teams on processing and call closuresUpsell to customersRenewal premium collection through calling and home visitsConvenience customer to stay invested in policy (surrender Retention) & Pitch Loan against policy.Error free & timely processing of request and complaints

Job Description -Understand customer requirements and provide solutionLiaise with different teams on processing and call closuresUpsell to customersRenewal premium collection through calling and home visitsConvenience customer to stay invested in policy (surrender Retention) & Pitch Loan against policy.Error free & timely processing of request and complaints

Dear Candidate, We are hiring for US Mortgage Underwriting Work From Home Location. 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 ) Perform & manage quality control reviews of residential loan files in accordance with customer quality control policies and procedures and accepted quality control standards. Will be also responsible for managing the daily operations along with client handling who should be well versed and certified underwriter in the Mortgage domain In depth knowledge of GSE, Fannie mae, Freddie Mac guidelines and requirements Expert in Mortgage lender's policies, guidelines and procedures (loan to value, debt to income, collateral review, compliance review) Should have experience in Analyze Income & employment, credit strength, property appraisal, check over debt to Income (DTI) and Loan to value (LTV)and all other information pertinent to the credit decision process on each mortgage application, as presented by the applicant Knowledge to validate that a prospective mortgagors loan application adheres to the Investors, Secondary Investors (Fannie & Freddie) and guidelines of applicable government agencies to approve the loan Review loan files for completeness and accuracy Confirm application information against all documents within the file Analyze all credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents. Should have experience in Income Calculations Review the eligibility of Property, Borrowers Evaluate debt ratio, loan-to-value ratios, credit score, property valuation Identify risk factors, including fraud red flags to determine or verify misrepresentation Condition files for missing/ supporting documentation as needed Complete required trainings and assessments Knowledge in Commercial Real Estate will be an added advantage High level understanding of US Real Estate, Mortgage, Commercial Mortgage Servicing, loan agreements and documentation Ability to build & motivate teams Ability to manage Client escalations and Client relationships Team mentoring & coaching individual associates who may fall below desired performance Continuously contribute towards process improvement Hold relevant experience (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

We are seeking a skilled and detail-oriented Non-QM Loan Underwriter to join our team supporting U.S.-based lenders. The role involves the manual underwriting of Non-Qualified Mortgage (Non-QM) loan files, requiring in-depth analysis of complex borrower profiles, alternative income documentation, and investor-specific guidelines. The ideal candidate will bring a strong understanding of non-QM programs, risk assessment, and credit evaluation, while working in close coordination with onshore stakeholders. Key Responsibilities: Manually underwrite Non-QM loan files by evaluating full income, asset, credit, and collateral documentation. Analyze alternative income types such as bank statements, P&L statements, 1099s, DSCR, and asset depletion. Review files for completeness, accuracy, and eligibility based on lender-specific Non-QM guidelines and overlays. Required: 3-5 years of U.S. mortgage underwriting experience with at least 12 years in Non-QM. In-depth knowledge of Non-QM programs including Bank Statement, DSCR, 1099, CPA/P&L, and Asset Utilization loans.

Role & responsibilities Evaluate and underwrite Home Loan and Loan Against Property (LAP) proposals as per credit policy and within delegated authority. Assess customer profiles, financials, credit bureau reports, and property documents to make sound credit decisions. Ensure compliance with internal policies, RBI guidelines, and risk control measures while maintaining portfolio quality. Coordinate with sales, legal, technical, and operations teams to ensure smooth processing and timely disbursals. Monitor post-disbursal portfolio for early warning signals and take corrective actions to control delinquencies. Mentor and guide junior credit staff at the hub to ensure consistency and quality in underwriting.

Training Development and Management : Design and implement domain training programs tailored to organizational needs, ensuring effective delivery and measurable outcomes Domain : US Residential Mortgage Underwriting Needs Assessment : Partner with respective training leaders to assess domain training needs, identify process gaps, and propose solutions Program Evaluation : Analyse training program effectiveness using feedback, assessments, and performance data to drive improvements Content Creation : Develop and refine training materials, including manuals, e-learning modules, and interactive sessions Produce customized training resources, including manuals, case studies, simulations, and role-playing scenarios to equip employees with the tools they need to effectively upskill themselves in domain Stakeholder Engagement : Engage with senior management and key stakeholders to ensure alignment of training programs with business objectives Vendor Management : Engage with various vendors providing training to gauge and leverage niche domain expertise that may be required from time to time Process Improvement : Identify and integrate best practices into training programs to enhance process efficiency and effectiveness Reporting : Prepare and present detailed reports on training activities, outcomes, and areas for development Qualifications : Graduate / Undergraduate

Knowledge of mortgage underwriting and Agency automated underwriting systems Demonstrate a full understanding of agency guidelines as well as posted lender internal guidelines Review all mortgage applications and documentation for accuracy and completeness Review and complete a full analysis of all types of income (Self-Employed, Rental, Wage, etc.), assets, liabilities, credit, and collateral Analyze credit, income, and assets on a loan-by-loan basis to properly assess individual risk and promptly provide underwriting decisions to Mortgage Originators Review 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 Review and analyze appraisals for value and compliance with industry requirements Independently make sound decisions based on the creditworthiness of applicants, following established underwriting guidelines, policies, procedures, and experience Provide exceptional customer care (both internal and external) to build customer loyalty Maintain confidentiality of all customer and employee information Respond positively to feedback and redirection Fully utilize systems, tools, training, and resources provided to maximize potential Assist other departments as needed Meet daily production targets Meet daily SLA requirements Meet daily quality requirements Qualifications : Education : Bachelor's degree in any stream Experience : 2+ years of increasingly responsible experience in related areas Experienced mortgage professional with 23 years in mortgage underwriting Complete understanding of Conventional, FHA, and VA underwriting guidelines Working knowledge of real estate lending criteria and compliance with federal, state, and agency requirements Ability to multi-task and manage time efficiently Strong organizational skills, attention to detail, and proficiency in Microsoft Office Good analytical and problem-solving skills Strong verbal and written communication skills Highly adaptive and open to changes as organizational needs evolve

If you are looking for an exciting opportunity, join us at the Walk-in Drive! HCL is hiring for Associate / Senior Executive roles, and we are conducting a Walk-in Drive in Sholinganallur. Walk-in Drive Details: Location: HCL TECH- Sholinganallur, ( Address: Elcot SEZ, Medavakkam High Road, Solinganallur, Chennai, Tamil Nadu 600119) Date: Friday, 20 June & Saturday, 21 June Time: 11:00 AM 3:00 PM Contact HR SPOC Ida Job Opportunity: Associate / Senior Executive Location: Chennai - Sholinganallur Shift Timing: 7:00 AM 5:00 PM (IST) Domain: Australian Mortgage Underwriting Work Model: Work from Office (WFO) Job Summary: The ideal candidate will be responsible for auditing loans underwritten by credit officers to ensure compliance with bank policies, guidelines, and regulatory requirements. This involves reviewing loan applications, assessing documentation accuracy, verifying lending criteria, and identifying any discrepancies. Responsibilities: Analyzing customer financial positions, employment history, credit history, and ability to repay. Understanding and applying the 4 C’s of Credit effectively. Ensuring compliance with regulatory and company guidelines . Assessing credit risk and determining loan approval/decline decisions. Applying lending/credit policy, mortgage insurance guidelines, and risk assessment principles. Communicating with external stakeholders, including Brokers/Lenders . Demonstrating strong customer-centric communication skills . Core Responsibilities: Loan Applition Assessment Creditworthiness Evaluation Income Verification Risk Analysis Property Valuation Review Reviewing Loan-to-Value Ratio (LVR) Approval or Declination of Loans Fraud Detection Skills & Qualifications: Knowledge of Responsible Lending Obligations Understanding of APRA and ASIC regulations Strong analytical and financial assessment skills Excellent attention to detail and time management Effective communication & stakeholder management skills Experience with lending policies & procedures Experience with KYC process Qualification & Experience: Education: Bachelor's or Master's degree in any field. Experience: 2+ years in Pre-underwriting, Loan Processing, Mortgage Underwriting, or Post Close Underwriting in Australian, USA, or UK mortgage domains . Must-have: Strong understanding of Australian, US, or UK lending regulations . Added Advantage: Candidates with strong communication experience with onshore clients will have an edge.

To work on live underwriting and complete the daily target or assignments. Have experience in US Mortgage Underwriting. Working on 4 Cs (Credit, Capacity, Capital, and Collateral). Knowledge on Income Calculations (Wage, Self Employed and other)

Experience in Live underwriting Follow quality control policies & procedures Able to fulfill the role of subject matter expert Analyze individual guaranty & closing files Knowledge on 4Cs & income calculations Experience in quality check and control

As Mortgage Underwriter you will be verifying loan applications and reviewing all 4 C’s, evaluating risks, and making loan eligibility decisions Need 1+ year of mandatory experience in US Mortgage 5 Days working 4 C’s Contact - Himanshu -9521247651

Job description Walk-in Drive in Firstsource for US Mortgage Underwriters -Mumbai location Walk-in Time 11.00 AM to 4.00 PM Walk-in Date - 21st & 22nd June Walk-in address - Firstsource Paradigm, 2nd Floor, New Link Malad, Rajan Pada, Mindspace, Malad West, Mumbai, Maharashtra 400064 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

Role & responsibilities: Industry: Banking / NBFC Experience: 5 to 12 years Location: Vashi/Lower Parel Salary - Negotiable Openings - 8 Designation - Sr. Credit Officer/Asst. Credit Manager/Branch Credit Manager/Branch Credit Head Job profile: File & Docket checking and ensuring adherence to Login & Disbursement checklist. Underwriting HL & LAP proposals. Personal discussions for retail cases. Monitoring various reports like FI/FCU/Legal/Technical. Reverting to Audit Queries in timely manner. Disbursement Punching & Handover. Disbursal Memo signing for dockets. New recruitment & training to Sales, Credit & operations. Underwriting APF proposals. Managing customer escalation as per escalation matrix SENP cases

We are seeking a skilled and detail-oriented professional with 3+ years of experience in US mortgage underwriting, processing, or real estate transactions. The ideal candidate will have a strong background in loan documentation, transaction coordination, and customer service. This role requires excellent organizational skills, a self-motivated attitude, and the ability to manage end-to-end transaction processes in a fast-paced environment. Key Responsibilities: - Review loan files for completeness and accuracy, including application and closing packages, disclosures, and compliance reports. - Assess borrower eligibility by analyzing income, assets, credit, and collateral. - Evaluate risk and ensure loans meet investor and regulatory guidelines. - Gather and verify data from loan documents, including cash to/from borrower, fee thresholds, tolerances, reserves, and impounds. - Determine and document loan conditions, communicate requirements, and provide underwriting decisions. - Ensure compliance with US mortgage regulations, disclosures, and closing documents such as Loan Estimates, Closing Disclosures, HUD-1, Title, Purchase Contracts, Security Instruments, Insurance documents, and Flood Certificates. - Welcome all new clients with a phone call within 24 hours of enrollment, as well as send a welcome email. - Coordinate with sellers to schedule photos, order lockboxes, coordinate notary signings when necessary, and access properties as needed. - Coordinate with photographers to ensure property photos are taken within 3 days of enrollment unless there are extenuating circumstances. - Process photos and create an album for each property before transitioning the file to the Disposition department for marketing. - Notify Accounting of any invoices that need to be paid. - Prepare any needed addendums, extensions, or cancellations and send via Docusign. - Oversee day-to-day operations of transactions and coordinate closely with the disposition department regarding all transactions between buyers and sellers. - Keep the team and leadership informed with updates and escalate any issues that arise. - Maintain and manage all files, documents, and communication within the CRM. - Assist management with ancillary tasks as needed. Requirements : - Minimum 3+ years of experience in US mortgage underwriting, processing, or real estate transaction coordination. - Strong knowledge of US residential mortgage disclosures, compliance, and loan documentation. - Familiarity with underwriting guidelines (FNMA, FHLMC, FHA, VA, and USDA). - Experience working with transaction timelines, client communication, and internal coordination. - Proficiency in mortgage software, loan origination systems, and CRM platforms. - Excellent communication, organizational, and decision-making skills. - Ability to work independently in a fast-paced, deadline-driven environment. - Professional, self-motivated, and detail-oriented with a client-first approach. - Must be able to work 9:30 AM - 6:00 PM IST Monday to Friday, and occasional Saturdays as required.

The ideal candidate will conduct onboarding, upskilling sessions, assessments, and collaborate with operations to ensure process accuracy, efficiency, and alignment with U.S. mortgage regulations and client expectations.

MASS HIRING FOR CREDIT ANALYST & SENIOR CREDIT ANALYST FOR US & UK MORTGAGE LOANS 5.5 DAYS WORKING + DAY SHITFS + FIXED OFF SALARY UP TO 6 LPA + INCENTICES + YEARLY BONUS. Call HR Sakshi TO Schedule Your Interview @ 9257030225 Drop your Resume:- virtuefinancejobs@gmail.com Role & responsibilities:- Credit assessment - based on the financials shared by the borrower, the Credit Analyst will assist the mortgage broker, and assess the product and lender that are more suitable for them. This needs a deep understanding of the credit policies of various banks and an understanding of credit-assessment calculations. He / She will assist our broker clients in researching and developing loan strategies by comparing the policies suitable for a borrowers scenario, entering application data into loan processing software, data verification, document collation / verification, and client servicing. Client communication - interact with clients or lenders via email, phone calls, texts, etc. to take inputs regarding their financial data, and corresponding documents, and make suggestions regarding products and policies. Compliance and audit - ensure that all compliance norms are adhered to while processing the case. Preferred candidate profile:- 1. Post-Graduate / Graduate in Commerce or Management field. 2. Good command of both oral and written English language will be required for the profile. 3. Accuracy and strong attention to detail, 4. Critical thinking and problem-solving skills. 5. 1-3 Years of experience working with Australian Mortgage brokers in Mortgage Processes will be preferred. 6. Excellent time management skills Perks and benefits:- 5.5 Days Working Fixed Off Day Shifts Monthly Incentives Yearly Bonus Call HR Sakshi TO Schedule Your Interview @ 9257030225 Drop your Resume:- virtuefinancejobs@gmail.com NOTE Applications SENT TO ANY Other Email Address WILL NOT BE Entertained.

•Ensure the SLA's & KPI Targets •Review client escalations, Team Queries, and support team as Subject Matter Exp. •Deliver on CSAT targets External/ Internal •Comply all ISO & ISMS protocols •Monitoring results & KPI data •Identify portfolio risks Required Candidate profile •Graduate •As TL 02 years exp. on Paper-US Mortgage Origination, Pre Underwriting, Conditions review •Excellent Communication, analytic & interpersonal skills •Core Statistics, Trend & Ratio Analysis.

Provides final approval Underwriting of mortgage loans. Manage loans using all Encompass functions. Completes all required paperwork and forms in a timely and accurate manner; prepares required forms.4C’s of Underwriting Required Candidate profile 2-6 yrs exp. in US Mortgage Loan Processing • Minimum 2 years of experience in conventional/govt end-to-end underwriting • Well-versed with all 4C’s of Underwriting (Asset, Income, Credit & Collateral

Ensure the SLA and KPI Targets as specified by the client are met consistently Demonstrate strong process knowledge and lead process changes/improvement with an end-to-end understanding of the Product Conduct huddles/training for process areas Required Candidate profile 04 - 06 Yrs leadership exp. US Mortgage Income Calculations; Pre Purchase Review; Credit Report Span control would range from 80 to 200 employees including SMEs, QAs, Team Leads and AM

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

Greetings, Company Name : M.Phasis (https://www.mphasis.com) Job Role: Live Underwriter- US Residential Mortgage Underwriting Experience : 3+ yrs Work Mode : 3 to 4 Months ( WFO) Post that its Permanent (WFH) Job Location for initial 3 to 4 months will be Pune (or) Chennai Budget : Upto 10 LPA 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) Contact : 8431234240

Job Title: Analyst/ Senior Analyst Residential Mortgage Underwriting Experience Required: 3–8 Years Shift Timing: 5:30 PM – 2:30 AM IST (US Shift) Location: Noida, Sector 63 (On-site) About the Role: We are seeking a detail-oriented and experienced Senior Analyst with a strong background in residential mortgage underwriting to join our dynamic team. The ideal candidate will have in-depth knowledge of income analysis, credit and asset review, and underwriting across various conventional and government loan programs including FHA, VA, USDA, and Bond loans . Key Responsibilities: Perform detailed income calculation and analysis for salaried, self-employed, and non-traditional income sources. Conduct comprehensive underwriting reviews for residential mortgage applications ensuring adherence to agency and investor guidelines (Fannie Mae, Freddie Mac). Assess borrower eligibility, creditworthiness, and overall loan risk in accordance with FHA, VA, USDA, Bond program guidelines. Review and analyze credit reports, asset statements, property appraisals, and title documents . Validate compliance with underwriting criteria, company policies, and regulatory requirements. Maintain a high level of accuracy and turnaround time in processing and decisioning loan files. Collaborate with US-based teams and other internal stakeholders to ensure smooth workflow and clear communication. Keep up to date with current underwriting guidelines and industry best practices. Required Skills & Qualifications: 3–8 years of hands-on experience in residential mortgage underwriting , including conventional and government loan programs. Strong understanding of FHA, VA, USDA, and Bond loan underwriting guidelines . Proficient in income calculation methodologies and documentation requirements. Familiarity with AUS systems (DU, LP) and LOS platforms (e.g., Encompass, Calyx). Excellent attention to detail, analytical ability, and organizational skills. Strong verbal and written communication skills to liaise with US counterparts. Ability to work independently and meet tight deadlines in a high-pressure environment. Bachelor's degree or equivalent work experience in Finance, Business, or a related field preferred. Shift & Work Environment: Shift Timing: 5:30 PM – 2:30 AM IST (Night Shift, aligned with US hours) Work Location: Noida, Sector 63 (Work from Office) Why Join Us: Competitive compensation and benefits. Opportunity to work with a fast-growing, global financial services firm. Exposure to diverse loan products and continuous skill development. Collaborative and performance-driven work culture.

Job Title: Team Leader US Mortgage Operations Location: Bangalore Department: Mortgage Operations Reports To: Operations Manager / AVP Mortgage Services Employment Type: Full-Time Job Summary: We are seeking an experienced and detail-oriented Team Leader to oversee daily operations in the US Mortgage process . The ideal candidate will manage a team responsible for mortgage processing functions (processing, underwriting, closing, or post-closing), ensure compliance with investor and regulatory guidelines, and drive operational efficiency. Prior leadership experience in the US mortgage industry is essential. Key Responsibilities: Lead, manage, and motivate a team of mortgage professionals to meet daily/weekly production and quality targets. Oversee end-to-end mortgage operations including processing, underwriting, closing, or post-closing depending on function. Monitor work queues and allocate tasks to team members to ensure Service Level Agreements (SLAs) are met. Ensure compliance with all federal and investor guidelines including Fannie Mae, Freddie Mac, FHA, and VA. Provide regular performance feedback, coaching, and mentoring to team members. Handle escalations and complex loan scenarios by liaising with clients, underwriters, or other stakeholders. Prepare and deliver performance and metric reports to senior management. Assist with training and onboarding of new hires. Collaborate with Quality Control and Compliance teams to implement corrective actions. Drive process improvements and contribute to automation or digital initiatives. Requirements: Bachelor’s degree or equivalent experience. 5+ years of experience in US mortgage operations, with at least 2 years in a supervisory or team leader role. Strong knowledge of mortgage origination lifecycle (Processing, Underwriting, Closing, Post-Closing). Familiarity with LOS platforms . Strong understanding of investor and agency guidelines. Excellent leadership, communication, and interpersonal skills. Ability to analyze data, track KPIs, and drive performance. High attention to detail and a commitment to quality and compliance. Ability to work in a fast-paced and dynamic environment. Contact Hiring Manager Aditya @ 9686682465

Role & responsibilities Manage and direct daily activities of the Operations team- processing, ensure timelines, department goals and customer expectations are met Set performance goals for team to meet/exceed. Track and measure performance goals for the Operations team. Lead the governance calls with clients and internal stake holders to review process performance Ensure adherence of the company policies Lead the team to achieve the SLA targets for all processes Preferred candidate profile Basic Degree completion (15 years of education) Good written and oral communications skills in English 10 Yrs US Mortgage Experience and 5 years in Default Servicing/Loss Mitigation processing and Intake/Settlement