Sr. Underwriter

As a Senior Underwriter in the Residential Mortgage industry, you will be part of the Shared Services function that aims to deliver operational support to Business Units within the organization. Your role will involve reviewing and verifying loan applications, analyzing loan risks, ensuring compliance with regulatory standards and company policies, and communicating loan conditions to stakeholders. Additionally, you will be responsible for identifying portfolio risks, documenting loan decisions, and performing other tasks as assigned by your manager. To excel in this role, you should possess a strong understanding of mortgage guidelines and policies for various loan types such as VA, FHA, Client, FHLMC & USDA. Your expertise should include analyzing qualifying income from tax documents, credit reports, and bank statements, as well as experience in both automated underwriting systems (AUS) and manual underwriting methods. Familiarity with fraud detection tools and industry-standard loan origination systems like Encompass, BytePro, Calyx, Empower, or Lending QB is preferred. The ideal candidate will have at least 5 years of recent US Mortgage underwriting experience, with a background in compliance review, disclosures preparation, closing, and due diligence within the residential mortgage sector. You should stay updated on mortgage policies, compliance laws, and regulatory changes, including TRID, to ensure accurate and efficient underwriting processes. Your commitment to quality, excellent time management skills, and ability to work independently while meeting deadlines will be crucial for success in this role. As a Senior Underwriter, you must demonstrate professionalism, attention to detail, superior communication skills, and proficiency in Microsoft Office applications. This role requires you to work under pressure, adhere to company policies, and maintain a positive attitude while delivering exceptional customer service. This position is based in the office, with working hours aligned with the US time zone (India Night Shift). If you are seeking a challenging opportunity to leverage your underwriting skills in the residential mortgage industry, this role offers a dynamic environment where you can contribute to the success of the organization while ensuring compliance and quality in loan processing.,