Underwriter

The Underwriter is responsible for assessing the risk of a borrower being able to repay their mortgage to the lender, decision the loan adhering to the regulatory guidelines and company policy & procedures as well.

Job Duties:

• Underwrite and decision loans to comply with state and federal regulations. Should be able to underwrite all Tiers, including complex loan transactions.
• Maintain client SLA expectations:
• Achieves individual Underwriter quality benchmarks.
• Achieves individual production goals and turn times.
• Knowledge of Conventional & Non-QM
• Must know Fannie & Freddie guidelines.
• Ensuring compliance with company policies and guidelines.
• Analyze appraisal report and collateral offered in the loan application to determine acceptability and appropriate loan-to-value ratios for decisions.
• Perform Income calculation, debt to income ratios, review/analyze complex asset statements, financial statements, as well as personal and business income tax returns to render a decision.
• Analyze and review title opinions for decisioning on all loan applications.
• Documenting and effectively communicating reasons for the approval/rejection of loans.
• Decision and review completion of the required conditions to approve loan and communicate requirements to appropriate parties.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

• Successful experience working as an Underwriter
• Must be detail-oriented and can comprehend and effectively communicate

Education and/or Experience:

• Graduation
• Minimum 2+ years mortgage underwriting experience (front-end live UW)

Language Skills:

• Strong written & verbal communication
• Proficiency in reading, writing & understanding English language
• Ability to read, and interpret borrower documentation, company policies, procedures, guidelines, reports, and legal documents. Individual must have the ability to respond to common inquiries or complaints from clients.
• Strong email etiquette

📍 Location: Ahmedabad, Mumbai and Pune (On-site)

🏢 Company: Envision Business Solution

🗽 Industry: US Mortgage Loan Fulfillment | Finance & BPO Services

🔹 WFO (Work from Office) Only.

🔹 Night Shift role (aligned with US Time zone).

Job Benefits:

- 5 Days Working (Monday to Friday).

- Growth Opportunities in a fast-growing global industry.

- Exposure to US Mortgage Loan Process.

Contacts

📨 Apply Now by sending your resume to: hr@envisionbpm.com