92 Residential Mortgage Jobs

We are hiring for Mortgage- Associate role. Looking for immediate joiners . Exp required- 3 to 6 Years Role & responsibilities Taking ownership and being accountable of mortgage applications, from initial submission through to offer, delivering a seamless service to brokers and partners • Reviewing and screening residential owner occupied and buy to let (in both individual names and trading companies names) mortgage applications to understand the customer and application type, ensuring the correct packaging requirements are set • Applying a future thinking, holistic approach by anticipating the need of the underwriter, this will be done through: o Understanding and assessing the risk of the application o Using and interpreting lending policy to ensure the case meets the packaging guidelines • Being responsible for the quality of data, identify and correct inaccuracies, including customer personal data, property portfolio and income and commitments, including the validation of documentation • Working to agreed deadlines, meeting and exceeding set SLAs at each touchpoint • Managing all mortgage documents and supporting information, by assessing and validate documents, ensuring they meet the relevant policy and regulatory guidelines. • Ensuring the case is managed through the relevant systems, ensuring one customer and application record that is reflective of the information required to manage risk and deliver for our customers, including using relevant third party websites and systems, e.g. Companies House • Having the ability to review and asses key documents and mortgage information, such as: o Income evidence; payslips, P60s, SA302’s, financial accounts and business plans etc o Proof of ID, proof of address o Buy to let portfolio’s etc o Credit reference reports, EPC reports, Companies House searches • Undertaking required Customer due-diligence through: o Document assessment and validation; proof of ID, proof of address o Ensure accuracy of data from a customer identity perspective o Ensure CDD policies are adhered to • Protecting the customer and the Bank by having a strong knowledge of anti-money laundering policies and fraud prevention processes. Identification of potential external fraud, and scheme misuse to protect the bank against possible bad debts, referring to the relevant team • Adhering to required data management standards by applying the correct updates and notes in a clear and concise way • Maintaining strong technical system knowledge of mortgage origination systems and the wider supporting systems (quest, lender hub, kama etc.) • Delivering against service KPIs, ensuring efficiency and effectiveness targets are met • Understanding of system rules and affordability calculators to ensure adherence to policy and bank risk appetite • Adhering to all Standard Operating Procedures across the application journey Review and screen residential owner occupied and buy to let (in both individual names and trading companies names) mortgage applications to understand the customer and application type, ensuring the correct packaging requirements are set • Review the quality of data and identify inaccuracies including customer personal data, property portfolio and income and commitments, ensuring the mortgage application is set up for success and ready to be underwritten • Regularly reviewing mortgage applications against agreed deadlines to ensure cases are progressed in a timely and accurate manner • Review packaging documents once received, ensuring they meet the relevant requests. Including the checking of documents, validating the data and updating the system information through the documents received or the use of relevant third party websites and systems, e.g. Companies House • Review and validate documentation and supporting information such as: o Income evidence; payslips, P60’s, SA302’s, financial accounts and business plans etc o Customer due-diligence documentation; proof of ID, proof of address o Buy to let portfolio’s etc o Credit reference reports, EPC reports, Companies House searches • Understand and apply Bank policies in terms of documentation, case set up and mortgage valuation requirements • Identify cases that require manual referral to the onshore team and refer them in a timely manner to ensure the customer experience isn’t detrimental, this could be due to; o AML concerns Complex case/documentation requirements o System errors etc • Protect the customer and the Bank by having a strong knowledge of anti-money laundering policies, customer due diligence policies and fraud prevention processes. Identification of potential external fraud, and scheme misuse to protect the bank against possible bad debts • Support the successful progression of mortgage applications through the use of systems, applying the correct updates and notes in a clear and concise way • Both technical system knowledge of mortgage origination systems and the wider supporting systems (quest, lender hub, kama etc.) • Support the management of a large volume of mortgage applications, and work is priortised accordingly to deliver against service KPIs • Understanding of system rules and affordability calculators to ensure adherence to policy and bank risk appetite • A good understanding of both Residential and Commercial lending, particularly in a UK market • Adhere to Standard Operating Procedures when assessing Mortgage valuations, Certificates of Titles and post offer documents, applying business and lending policies to the assessment to ensure appropriate decisions can be made as a result of the assessment • Identify and review changes to Standard Operating Procedures and support the implementation of improvement ideas to improve the customer experience and realise cost benefits Should be flexible with rotational shifts. One way transportation will be provided. Interested candidates can share their resume on the below mentioned email ID, ramakanth.sripati@wipro.com

Greetings from THE JOB FACTORY !! A Mortgage Underwriter plays a pivotal role in the loan approval process by assessing and evaluating the financial profiles of potential borrowers. They meticulously analyze credit reports, income statements, employment history, and other pertinent financial data to determine the risk involved in granting a mortgage. By adhering to strict lending guidelines and regulatory requirements, Mortgage Underwriters ensure that loans are both financially viable and compliant. Their expertise not only helps in mitigating risk for lenders but also provides borrowers with a fair assessment of their eligibility for home financing. For More Details Call : HR Swathi @ 9538878907 (call or whats app) Email id : Swathi@thejobfactory.co.in Key Responsibilities - Evaluate and verify loan applications to ensure compliance with regulations - Analyze credit reports, income documentation, and property appraisals - Approve or deny loan applications based on comprehensive risk assessments - Maintain detailed records of evaluations and decisions - Ensure compliance with regulatory guidelines and internal policies Requirements - Bachelor's degree in any stream - Min 1 years of experience in mortgage underwriting or related field - Strong analytical and problem-solving skills - Excellent communication and decision-making skills - Proficiency in financial analysis, risk evaluation, and documentation For More Details Call : HR Swathi @ 9538878907 (call or whats app) Email id : Swathi@thejobfactory.co.in

Greetings from THE JOB FACTORY !! A Mortgage Underwriter plays a pivotal role in the loan approval process by assessing and evaluating the financial profiles of potential borrowers. They meticulously analyze credit reports, income statements, employment history, and other pertinent financial data to determine the risk involved in granting a mortgage. By adhering to strict lending guidelines and regulatory requirements, Mortgage Underwriters ensure that loans are both financially viable and compliant. Their expertise not only helps in mitigating risk for lenders but also provides borrowers with a fair assessment of their eligibility for home financing. For More Details Call : HR Swathi @ 9538878907 (call or whats app) Email id : Swathi@thejobfactory.co.in Key Responsibilities - Evaluate and verify loan applications to ensure compliance with regulations - Analyze credit reports, income documentation, and property appraisals - Approve or deny loan applications based on comprehensive risk assessments - Maintain detailed records of evaluations and decisions - Ensure compliance with regulatory guidelines and internal policies Requirements - Bachelor's degree in any stream - Min 1 years of experience in mortgage underwriting or related field - Strong analytical and problem-solving skills - Excellent communication and decision-making skills - Proficiency in financial analysis, risk evaluation, and documentation For More Details Call : HR Swathi @ 9538878907 (call or whats app) Email id : Swathi@thejobfactory.co.in

Loc: Remote (WFH) Edu:Graduation Mandit(No Freshers) Req:Min 2yrs of exp in live underwriting with strong expertise in US Residential Mortgage process Sal: Up to 12 LPA(based on experience)+ Joining Bonus: 1,00,000 (for joining within 45 days) Required Candidate profile Analyze&calculate qualifying income from various tax docs: 1040s, Schedule E,1120,1065,1120S,K1"tax return" OR "transcript"K1etc. Review docs to assess risk and ensure compliance

We have openings for Mortgage Underwriting Level 2 positions. We are looking for graduates with a minimum of one year of experience. The salary offered is 6 lac. If you are interested, please call Sadiqa at 8951870134 or Shaziya at 9035018914.

Job Description for Team Leader Job Title: Team Leader Reporting to: Team Manager/Delivery Manager, Operations Objectives The Team Leaders objective is to actively lead and motivate a team in accordance with laid down procedures to achieve and maintain requisite standards of quality and productivity. He / she will report to the Team Manager/Delivery Manager, Operations, who will be the first point of contact for any issues, questions, or concerns. Key Result Areas (KRAs) Leadership: The Team Leader is expected to actively lead and motivate the team for whom he / she is the primary point of contact. The Team Leader is expected to be close to the team and be aware of issues, including potential issues, within the team and appropriately resolve / escalate the same. The Team Leader should be aware of the strengths and weaknesses of his / her team members and provide them with appropriate guidance and direction. The Team Leader is expected to actively promote the company ethos, and create and maintain an environment which encourages retention. The Team Leader is expected to identify and implement feasible solutions to issues which could lead to attrition. Operations: Experience of working in US Mortgage Escrow experience Understand escrow lines or products Knowledge of core logic, lareta, proctor or assurant activities Understood Tax amount reporting, pre-boarding loans, comprehension of HUD and Initial escrow statement, working in Escrow set-up, Analysis and Cancellations. Knowledge of mobile homes (good to have) Mortgage Insurance cancellations, Hazard Insurance Must have knowledge on loss drafts, flood zones, hazard claim filing etc The Team Leader is expected to ensure that all team members meet or exceed the productivity and quality targets and recommend corrective action necessary for underperformers. The Team Leader is expected to ensure smooth operations on a daily basis, by ensuring all service level agreements are met in terms of quality, productivity, and turnaround time by active interaction with the business area. The Team Leader is expected to take ownership of identification and resolution of daily operational, admin and technical issues. The Team Leader should ensure timely and accurate submission of all reports sought by the management or by the business area and ensure high levels of internal and external customer service. The Team Leader is expected to periodically review and suggest possible revision of the quality and productivity targets based on the teams performance, in order to improve overall process efficiency and deliver excellent customer service. The Team Leader is expected to Initiate Training and Updates to the team members The Team Leader is expected to keep the Manager appraised of member’s needs, staffing issues, technical and performance issues The Team Leader is expected to interact with the BA in order to be transparent on the business front Teamwork: The Team Leader is expected to create and maintain an environment that fosters teamwork, in which each member is an eager contributor. The Team Leader is expected each team member is a functional unit of a very cohesive team and share a close bond with their peers. The Team Leader is expected to actively participate and encourage participation in team events. Continuous Improvement: The Team Leader is expected to constantly improve upon current performances and raise the bar of expectations and standards. The Team Leader is also expected to contribute ideas / suggestions which improve the process efficiency or enhance the way we work. The Team Leader should constantly strive to invite suggestions from the team and implement them if found feasible. Appraisals: The Team Leader is expected to conduct and document appraisal reviews of the team members on at least a monthly basis. The Team Leader should give feedback to individual team members in a manner not offensive to the team member, focusing on the performance rather than the personality of the individual, in an unbiased and unprejudiced way. The Team Leader should be objective and specific while delivering feedback and avoid being general. The Team Leader is expected to be open and receptive to feedback. Qualification: Graduate 6+ years of experience in U.S Mortgage Servicing\Default Servicing\Escrow Good understanding of U.S. Mortgage Banking\Loan Servicing cycle Minimum of 2 years in the team handling role Skill Sets Good interpersonal skills Prioritizing and Time Management Planning and Organizing Skills Good Knowledge of MS-office Flexibility to work in different shifts Acceptability by the team Good written and verbal communication US Mortgage Industry knowledge Interested candiates please share your resume to priyadarshini.narayanan@cognizant.com

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 Bengaluru (Karle) . Walk-in Drive Details: Location: HCL TECH, Bengaluru (Karle) ( Address: SEZ hub, DadaMastan Layout, Karle Tech Park, Nagavara, 1, Veeranapalya, Karle Town, Bengaluru, Karnataka 560024) Date: Friday, 25th July & Saturday, 26th July Time: 11:00 AM 2:00 PM Contact HR SPOC Vignesh Location: Bengaluru (Karle) Shift Timing: 6:00 AM 4:00 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 Cs 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 Application 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 Mortgage 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.

US Mortgage experience In Underwriting All 4 C’s Credit, Capacity, Collateral, and Capital or Income review experience, Conditions Clearing, Closing Review, Loan Set Up review process..Fannie Mae/Freddie Mac.Group health/Liability/Commercial/Crop UW. Required Candidate profile past due account ,revolving account, time share account, 30-day loan account.tax extension forms IRS 4868.wage income, self-employment income, business income.Debt-to-Income (DTI)/Loan-to-Value (LTV)

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)

Role & responsibilities Position Overview Candidate should have total 3+ years of US mortgage underwriting experience Well versed with FNMA. FHLMC, knowledge of GNMA and investor guidelines is an additional benefit Should have good analytical and problem-solving skills Should have decision-making skill when applying in business judgment Evaluate complete loan documents and should provide approval or denial decision Complete review of credit report to verify trade lines, derogatory accounts, public records and credit reconciliation Thorough income calculation Salaried income, business income, retired other income and rental income Complete review of Collateral and property valuation Assets verification include borrowers bank account statement, retirement accounts, mutual funds and other investments. Credit analysis based on borrowers Income, Asset, Liability and Collateral (4C of Underwriting) to determine the credit worthiness of a customer Validating and processing the Loan documents on behalf a Mortgage lender organization. Evaluating evidence of borrower’s willingness and ability to repay the obligation Good communication, Presentation skills, Self-motivated and hard working About you: Minimum 3 years of Underwriting experience in US Mortgage. 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.

Indecomm Global Services is hiring for US Mortgage Underwriter Job Brief We are seeking an experienced Associate/Lead Associate in Mortgage Underwriting who will play a pivotal role in determining the eligibility of loan applicants and authorizing purchases through re-underwrites for lenders. Your responsibilities will include analyzing and verifying loan applications, evaluating financial risks, and making final decisions on eligibility. Working collaboratively with a team of financial experts, you will be instrumental in accepting or declining different types of loans. Roles and Responsibilities: Problem-solving ability by connecting the dots across the loan documentation. Perform end-to-end risk analysis of a loan file. Evaluate loan risk through the verification of loan applications. Maintain a thorough working knowledge of industry standards and guidelines. Ability to interpret and take action for any guideline changes. Reviewing and responding to loan conditions as necessary. Ensuring compliance with regulatory standards. Perform other duties as assigned by Management. Meet daily targets and all SLAs as communicated. Requirements: Graduate in any discipline. At least 2-7 years of relevant experience in the underwriting process. General knowledge of Fannie Mae, Freddie Mac, FHA, and VA guidelines is a plus. Detail-oriented. Adhere to strict timelines prescribed by Management and provide the review experience working in a production environment preferred. Good verbal and written communication skills. Should have good analytical skills and the ability to make decisions based on facts. Competent with MS Office applications, LOS, LMS, and Selling guide navigation. Knowledge of standard mortgage nomenclature. Shift: Should be flexible with both day and night shifts and okay to work over the weekends if required. www.Indecomm.com

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

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

Review and analyze 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. Required Candidate profile • Degree or Equivalent • Minimum 2 years of experience in US Mortgage Residential Live Underwriting • Well-versed with all 4C’s of Underwriting (Asset, Income, Credit and Collateral min into.

*Underwriter reviews, conditions & underwrites mortgage loans as per the policies & procedures, appropriate guidelines *Examines documentation accuracy &completeness *Provides final approval underwriting of mortgage loans *4 C's guidelines Required Candidate profile • Graduate • Min 2.5yrs.exp. in conventional/govt end-to-end underwriting. • Well-versed with all 4C’s of Underwriting (Asset, Income, Credit and Collateral

*02 Year of exp. in US Residential Mortgage preferably in Pre UW/ File Set up with sound knowledge of Income & Asset Guidelines *Verify loan quality & set up the loan for UW *Review & analyze necessary documents *Credit underwriting guidelines Required Candidate profile •Excellent customer service, written & verbal communication skills •Adaptability in fast paced US mortgage industry •Computer proficiency •Flexible to work in 24/7 process For Future :9500996913

*01 Year of exp. in US Residential Mortgage preferably in Pre UW/ File Set up with sound knowledge of Income & Asset Guidelines *Verify loan quality & set up the loan for UW *Review & analyze necessary documents *Credit underwriting guidelines Required Candidate profile •Excellent customer service, written & verbal communication skills •Adaptability in fast paced US mortgage industry •Computer proficiency •Flexible to work in 24/7 process

Gradation mandatory Min 2years of Underwriting experience is mandit (No Freshers) 5 days work 2 days off Rotation shift WFO ITPL Whitefield 2way cab provided SALARY upto 6.5LPA For more details Contact *HR Supriya-7411782493 Required Candidate profile Into financial sector or business loans Underwriting into finance Business to business Have worked on bank statement Application worked on to identify fraud activities

Loc: Remote (WFH) Edu: Graduation Mandit(No Freshers) Req:Min 2yrs of exp in live underwriting with strong expertise in US Residential Mortgage process Sal: Up to 12 LPA (based on experience)+ Joining Bonus: 1,00,000 (for joining within 45 days) Required Candidate profile Analyze&calculate qualifying income from various tax docs: 1040s, Schedule E, 1065, 1120, 1120 S, K1, transcripts,etc. Review docs to assess risk and ensure compliance

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 @ Ishita - 9529411055

Job Opportunity: Associate / Senior Executive Location: Bengaluru (Karle) 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 Application 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.

Job Title: US Residential Mortgage Underwriter Location: Chennai Position Type: Full-Time Experience Required: 1- 6 years Job Overview We are looking for a detail-oriented and analytical Due Diligence Underwriter to join our team. This role is critical in the mortgage lending process, focusing on assessing the creditworthiness and risk profile of potential borrowers. The underwriter will evaluate loan applications, analyze financial information, and ensure all lending decisions comply with internal policies and regulatory guidelines. Key Responsibilities Loan Application Review Analyze and verify loan applications to ensure all required documents are complete and accurate Review borrowers credit history, employment, income, and debt levels Confirm property valuation using appraisal reports Credit and Financial Analysis Evaluate credit reports to assess borrower creditworthiness Analyze financial statements, tax returns, and pay stubs Calculate debt-to-income (DTI) and loan-to-value (LTV) ratios Property Valuation Review Review appraisals and alternative valuation reports Ensure appraisals conform to client-specified requirements Compliance and Risk Assessment Ensure loans meet all federal, state, and local regulations Adhere to internal underwriting policies and procedures Identify and assess risk factors associated with loan applications Essential Skills and Requirements Bachelors degree in any discipline 1 to 6 years of experience in mortgage processing or underwriting In-depth knowledge of mortgage industry regulations and practices Strong analytical and problem-solving skills High attention to detail and strong organizational skills Proficient with mortgage processing systems and financial tools Excellent verbal and written communication skills Ability to work under pressure and meet tight deadlines Understanding of credit reports and financial documents Certification in mortgage underwriting or related field is a plus

Having the ability to review and asses key documents and mortgage information, such as: Income evidence; payslips, P60’s, SA302’s, financial accounts and business plans etc Credit reference reports, EPC reports, Companies House searches