Mortgage Underwritter (US Residential Mortgage)

2 - 6 years

5 - 8 Lacs

Posted:3 days ago| Platform: Naukri logo

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Work Mode

Work from Office

Job Type

Full Time

Job Description

Key Responsibilities:

  • Conduct

    Pre-Underwriting reviews

    to ensure loan applications meet program eligibility and compliance standards.
  • Perform

    Pre-Purchase quality checks

    to validate documentation, creditworthiness, and adherence to investor/agency guidelines (Fannie Mae, Freddie Mac, FHA, VA, etc.).
  • Evaluate, analyze, and complete

    Underwriting of residential mortgage loans

    while ensuring accuracy, compliance, and risk assessment.
  • Review

    Post-Closing documents

    to confirm proper execution, regulatory compliance, and investor requirements before loan purchase.
  • Verify and manage

    loan forms, disclosures, and supporting documentation

    for completeness and accuracy.
  • Collaborate with processors, loan officers, and closing teams to resolve discrepancies and ensure smooth loan lifecycle.
  • Stay updated on

    US mortgage guidelines, compliance requirements, and industry regulations

    .

Required Skills & Qualifications:

  • 2 to 6 years of experience in

    US Residential Mortgage Underwriting

    .
  • Strong knowledge of

    mortgage lifecycle processes

    Pre-Underwriting, Pre-Purchase, Underwriting, Post-Closing.
  • Familiarity with

    US mortgage documentation, credit analysis, income calculation, and collateral review

    .
  • Experience in handling

    loan forms and compliance requirements

    .
  • Excellent attention to detail, analytical, and decision-making skills.
  • Strong communication skills to work effectively with cross-functional teams.

Preferred:

  • Exposure to

    Encompass, Calyx, or other mortgage loan origination systems (LOS)

    .
  • Knowledge of agency guidelines (Fannie Mae, Freddie Mac, FHA, VA).

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