Underwriter – US Mortgage Industry

Job Description

Job Title: Underwriter – US Mortgage Industry (Night/US Shift) Location : Gandhinagar, Gujarat | Remote Option Available Experience: 3-5+ years in US Mortgage Industry, with minimum 3 years in core Underwriting About the Role: We are seeking a skilled Underwriter with strong expertise in the US mortgage industry to join our team on a night/US shift schedule. The ideal candidate will have a clear understanding of the full mortgage life cycle and extensive knowledge of agency guidelines including FNMA, FHLMC, FHA, VA, USDA, and Jumbo loans. Key Responsibilities : Conduct live and post-close underwriting and quality checks in line with Fannie Mae, Freddie Mac, and investor guidelines Review borrower profiles: credit, income, assets, collateral, and compliance Analyse income documentation, credit reports, and asset verification to assess loan risks Evaluate property acceptability through Title and Appraisal reports Identify compliance issues and derogatory accounts to ensure regulatory adherence Provide loan approval, suspension, or denial recommendations Maintain detailed reports and support junior team members through training Qualifications: Graduate in any discipline 3-5+ years mortgage industry experience with minimum 3 years underwriting In-depth knowledge of the 4 Cs of underwriting Proficient with mortgage software like Encompass, Empower (preferred) Strong analytical, communication, and problem-solving skills Familiarity with MS Office and Outlook Willingness to work night/US shifts. Job Type: Full-time Pay: ₹15,000.00 - ₹55,000.00 per month Benefits: Cell phone reimbursement Commuter assistance Life insurance Provident Fund Work from home Schedule: Night shift US shift Experience: Underwriting: 3 years (Preferred) Shift availability: Night Shift (Preferred) Work Location: In person