QA Underwriter

Job Title: QA Underwriter

Location: Pune & Chennai
Experience Required: 3+ Years in Mortgage Underwriting
Shift: Rotational (24/7)

Job Summary:

We are looking for a detail-oriented and experienced QA Underwriter to join our team in Pune or Chennai. The ideal candidate will have 3+ years of experience in conventional mortgage underwriting and a deep understanding of income analysis, credit evaluation, and collateral assessment. This role requires working in a rotational 24/7 shift environment, ensuring that all mortgage loan files meet client and investor guidelines with high accuracy and compliance.

Key Responsibilities:

• Review complete mortgage loan files including income, assets, credit, and collateral.
• Perform quality assurance checks to ensure loan files are accurate, complete, and compliant.
• Analyze borrower documents and underwrite loans according to AUS/manual guidelines (DU/LP).
• Identify red flags and ineligible properties; escalate issues when necessary.
• Issue loan decisions and conditions as per client guidelines.
• Approve conditions and support processors/loan officers in clearing them.
• Maintain up-to-date knowledge of investor and client requirements.
• Use multiple systems and maintain accurate data entry in a paperless environment.
• Provide excellent customer service to internal and external stakeholders.
• Resolve pre- and post-closing underwriting issues.
• Work in a secure environment with strict adherence to data and information protection protocols.

Requirements:

• Minimum 3 years of current experience in conventional mortgage underwriting.
• Strong understanding of income calculations, tax returns, credit analysis, and collateral review.
• Familiarity with GSE guidelines (Fannie Mae/Freddie Mac) and automated underwriting systems (DU/LP).
• Experience in identifying underwriting risks and red flags.
• Excellent analytical and communication skills (verbal and written).
• Proficiency in working with digital loan origination systems in a fast-paced, production-oriented environment.
• Willingness to work night shifts and rotational shifts (24/7 support).
• Team-oriented with a strong attention to detail.
• NMLS-MLO Licensure (preferred but not mandatory).

Job Type: Full-time

Pay: ₹800,000.00 - ₹900,000.00 per year

Experience:

• IT: 5 years (Required)
• QA: 4 years (Required)
• Mortgage Loan Underwriting: 3 years (Required)

Work Location: In person

Speak with the employer
+91 9568308405