Senior Mortgage Underwriter

Senior US Mortgage Underwriter

Key Responsibilities

• Conduct detailed

  Loan Application

  reviews to assess borrower eligibility and risk.
• Perform

  AUS Review

  (Automated Underwriting System) to validate accuracy and compliance.
• Analyze

  Credit Reports, Credit Supplements, and Liability

  documentation.
• Carry out

  Ratio Calculations

  (DTI, LTV, HCLTV) to assess borrower affordability.
• Verify

  Employment

  history and perform thorough

  Income Calculations

  including salary, self-employment, and other income sources.
• Review

  Title Verification, Appraisal, Insurance, and Tax Certificates

  for accuracy and completeness.
• Assess borrower’s

  Net Worth

  including

  Bank Statements, Retirement Accounts, and Mutual Funds

  .
• Ensure compliance with

  Guideline Analysis

  and assess

  Reserve Requirements

  .
• Identify risks, escalate exceptions, and provide final underwriting decisions.
• Maintain high levels of accuracy, efficiency, and adherence to SLA/TAT.

Desired Skills & Qualifications

• Bachelor’s degree or equivalent experience.
• 4–8 years of proven US mortgage underwriting experience with strong credit risk assessment background.
• In-depth knowledge of

  Fannie Mae, Freddie Mac, FHA, and VA guidelines

  .
• Strong proficiency in

  AUS systems, mortgage software, and MS Office tools

  .
• Excellent analytical, decision-making, and documentation skills.
• Strong communication skills with ability to explain complex decisions to internal stakeholders.
• Flexibility to work night shifts / 24x7 environment as per business requirements.

Key Competencies

• Attention to detail and accuracy.
• Strong problem-solving and critical-thinking skills.
• Ability to manage high-volume underwriting in a fast-paced environment.
• Collaborative team player with mentoring and leadership potential.