13 Underwriting Guidelines Jobs

As a skilled and detail-oriented US Mortgage Underwriter with over 3 years of experience in mortgage underwriting and processing, you will play a crucial role in assessing borrower eligibility, evaluating risk, and ensuring loans meet investor and regulatory guidelines. Your responsibilities will include reviewing loan files for completeness and accuracy, analyzing income, assets, credit, and collateral, as well as verifying data from loan documents. Additionally, you will need to determine loan conditions, communicate requirements, and provide underwriting decisions while identifying and mitigating portfolio risks associated with client business practices. Your expertise in US mortgage guidelines, compliance, and loan processing requirements will be essential in ensuring compliance with regulations and guidelines set forth by FNMA, FHLMC, FHA, VA, and USDA. Proficiency in mortgage software and loan origination systems will be a key asset in carrying out your responsibilities effectively. Strong analytical, communication, and decision-making skills are required to excel in this role, along with the ability to thrive in a fast-paced, deadline-driven environment. If you meet the above requirements and are seeking a dynamic opportunity to further your career in US mortgage underwriting, we encourage you to apply for this position in Hyderabad today.,

Job Description : Risk Assessment and UW Implementation and monitoring of various underwriting guidelines related to Commercial products. Main accountability includes Risk analysis, Risk acceptance, Risk selection, Policy coverage (Policy wording, Add-on covers, Exclusions / Inclusions etc.), Renewal business, etc. within the purview of set Underwriting Guideline to achieve the desired business outcomes Maintain TAT and compliance as per UW authority matrix. Reviewing proposals and providing Inputs in terms of local market dynamics, nature of business, quality of risk and recommendations thereof. Strong market intelligence i.e. a broader view of the market we operate in /competitors details for formulating internal strategies. Work in close coordination with the sales team on the available profitable business opportunities falling with the underwriting guidelines of the company. Review the risk based on the market intelligence and based on the third-party risk inspection reports Relationship management Interacting with internal stakeholders (Operations, Marketing, Finance, Claims etc.) to meet the smooth proceedings of the business requirements at various stages Develop the key relationship with major clients and Intermediaries along with marketing team to develop long term sustainable business growth Analytics & MIS Reporting Analyzing the risk and identifying business that can be picked up in declined risk category and seek necessary approvals from seniors/HO for the same Desirable Skills : 1.Good communication skills. 2.Flexible & adaptable to change. 3.Well versed with MS Office. 4.Should have good analytical and problem-solving skills. 5.Should be aware of the Local language. Education/Qualification:Graduate or Post Graduate . Qualifications in Insurance will be an added advantage (eg: Fellowship/ Associate/Licentiate of I.I.I.)

As a U.K. Mortgage Underwriter at one of the Top MNCs, your primary responsibility will be to assess and underwrite mortgage applications while ensuring compliance with underwriting guidelines and regulatory standards. You will need to have expertise in the 4 Cs of underwriting Credit, Capacity, Collateral, and Capital. Your role will involve taking ownership of mortgage applications from initial submission through to offer, providing a seamless service to brokers and partners. You will be responsible for reviewing and screening residential owner-occupied and buy-to-let mortgage applications, ensuring the correct packaging requirements are set based on the customer and application type. Anticipating the needs of the underwriter, you will assess risks, interpret lending policy, and ensure data accuracy by identifying and correcting inaccuracies in customer information, property portfolios, and income details. Meeting and exceeding set SLAs at each touchpoint and managing all mortgage documents and supporting information will be crucial aspects of your job. You will also be responsible for conducting customer due diligence, including document assessment and validation, proof of ID, proof of address checks, and adherence to CDD policies to prevent fraud and ensure compliance with anti-money laundering regulations. Having a strong technical knowledge of mortgage origination systems and supporting systems, as well as understanding system rules and affordability calculators, will enable you to make informed decisions that align with bank risk appetite. Adhering to Standard Operating Procedures and continuously reviewing and improving processes to enhance the customer experience will be key elements of your role. Your expertise in both residential and commercial lending, particularly in the UK market, will be valuable in supporting the successful progression of mortgage applications and prioritizing work to meet service KPIs. By identifying and reviewing changes to SOPs and implementing improvement ideas, you will contribute to enhancing the overall efficiency and effectiveness of the underwriting process.,

The role of a Specialist - Business Rule Engine (BRE) involves overseeing the design, implementation, and optimization of rule-based systems that govern credit policies for various loan products. It is crucial to ensure that credit policies align with the bank's credit strategy, regulatory requirements, and evolving market conditions. Collaboration with cross-functional teams, including IT, data science, compliance, Product, and underwriting teams is essential to embed business rules effectively in systems and processes. Additionally, the role plays a strategic part in assessing and enhancing the automation of credit decision processes. In terms of business responsibilities, the Specialist is expected to lead the development and implementation of business rules within the credit policy framework using a Business Rule Engine (BRE) to automate and optimize decision-making. This includes translating credit policies, risk strategies, and underwriting guidelines into technical rules in the BRE. Continuous monitoring and refinement of rules to adapt to policy changes, regulatory requirements, and credit risk strategies are also part of the role. Collaboration with stakeholders to gather business requirements and ensuring alignment with organizational objectives and compliance standards is crucial. Training regional users on new rules configured in BRE and coordinating with IT and vendors on BRE patch updates are also key responsibilities. Analyzing trends for rule fails and assisting regions in achieving higher STP rates are further tasks to be undertaken. From a customer perspective, the Specialist acts as the primary point of contact for the Business Rule Engine and credit policy-related matters across departments. Working closely with credit underwriting, risk, product, and IT teams to align rule-based credit decisioning with business objectives is essential. Communication of updates, providing training to relevant departments, and supporting the credit policy team in developing new risk strategies are key responsibilities. Conducting impact analysis to forecast how proposed changes to rules will affect credit decisioning and risk exposure is also part of the role. Ensuring that rules effectively manage risk while supporting business goals for customer acquisition, profitability, and compliance is crucial. Addressing feedback from regional credit teams in a timely manner and maintaining the BRE tracker are additional responsibilities. Qualifications for this role include a B.E or B.Tech (IT/CSE), MBA finance, or a bachelor's/master's degree in business, finance, computer science, data analytics, or a related field. Experience of 3-5 years in IT-Banking domain, with a proven track record of managing and optimizing rule-based systems, particularly in financial services or fintech, is preferred. Proficiency in data analysis tools such as SQL, Python, R, and decision automation, as well as knowledge of credit scoring models and loan origination processes, are necessary skills for this role.,

The Specialist-Credit Administration position in the Wholesale Banking Operations department involves providing borrowers with initial good faith estimates at the time of application and all necessary disclosures for both borrowers and lenders. As a member of the Central Processing team, you will offer administrative support to loan officers and staff by updating loan data in the financial institution's computers and compiling documentation for customer loans. Your responsibilities will include processing approved commercial and consumer loan applications using automated loan document preparation software, selecting appropriate vendors such as Title Company, surveyors, and appraisers, preparing loan documents and closing instruction letters, and transmitting loan document packages to lenders. You may also be required to prepare commercial and SBA loan documents, resolve discrepancies in loan documentation, verify lending compliance issues and regulations, and report HMDA information. Additionally, you will be responsible for maintaining the confidentiality of financial data in loan files, ensuring compliance with company policies and underwriting guidelines, and assembling and verifying the accuracy of loan documentation. Other duties may include performing clerical tasks, using office computers for data input and ordering credit reports, as well as responding to inquiries regarding loan processing and information. You are expected to possess a Bachelor's degree in Engineering, Technology, Mathematics, Commerce, Arts, Science, Biology, Business, Computers, or Management, along with 0-2 years of experience. A post-graduation degree such as an MBA or PGDM would be an added advantage. In this role, you will need to apply some advanced skills within your assigned functional area, adapt procedures to meet complex requirements, and provide backup support for other team members when necessary. Adhering to all bank and department policies and procedures, and performing other job responsibilities as assigned by your supervisor or management, are also part of your secondary responsibilities.,

As a Life Insurance Financial Underwriter, you will be responsible for the underwriting process in the Operations department, specifically focusing on New Business Underwriting for Life Insurance products. Your duties will include scrutinizing applications for completeness, coordinating with sales teams for login and issuance, and conducting pre-login verifications of cases. You will be expected to collaborate closely with insurers, assess risks in alignment with the company's philosophy and guidelines, and ensure consistent implementation of underwriting (UW) guidelines through regular quality checks and monitoring. Maintaining Login and Issuance Management Information System (MIS) will also be part of your responsibilities. To excel in this role, you should have a minimum graduation qualification (post-graduation is an added advantage) and possess at least 2 years of relevant experience. It is crucial to adhere to Underwriting Turnaround Time (TAT) and exercise prudent risk underwriting for individual policies by following high process and quality standards. If you are detail-oriented, possess strong analytical skills, and have a passion for financial underwriting in the insurance sector, this opportunity in Mumbai-Powai with an immediate to 30 days joining timeline could be the next step in your career.,

As a Non-QM Underwriter (Subprime) at our company located in Ahmedabad, Pune, or Mumbai, you will be responsible for working in US Shifts (EST, PST, CST, MST) and applying your expertise in live loan underwriting within the US mortgage domain. Your primary focus will be on evaluating borrower profiles, making decisions on loan files, and collaborating with brokers to ensure seamless processes. Your key responsibilities in this role will include reviewing and underwriting live Non-QM/Subprime loan files, making critical decisions such as approvals, denials, conditional approvals, and final sign-offs, as well as working closely with brokers to ensure adherence to relevant underwriting guidelines. To be successful in this position, you should have a minimum of 2 years of experience in Non-QM or Subprime loan underwriting, with direct exposure to reviewing and underwriting loan files rather than just backend/processing tasks. Additionally, prior experience working with brokers would be highly advantageous in fulfilling the requirements of this role effectively.,

Job Description In this role, you will: Participate in low to moderately complex Wealth Underwriting initiatives in support of high-net-worth portfolio management; identify opportunities for process improvement within scope of responsibilities Review, analyze, and evaluate borrower financial data for basic high-net-worth client loans that require research, evaluation, and selection of alternatives to determine credit worthiness; exercise independent judgement to monitor existing portfolio and identify medium risk issues Present recommendations for resolving low to moderately complex situations and exercise independent judgment while developing expertise of Wealth Underwriting functional area policies, procedures, regulations, and compliance requirements Develop basic understanding of Home Lending policies, procedures, regulations, and compliance requirements for Wealth Investment Management client mortgages as needed Collaborate and consult with Wealth Underwriting peers, colleagues, and managers to resolve issues and achieve goals Adhere to credit risk management decisions to ensure satisfactory credit portfolio risk examinations Required Qualifications: 5-7 years of custom/commercial underwriting experience (including underwriting high net-worth individuals)

The Analyst/Senior Analyst position involves managing the loan processing workflow to ensure compliance with regulatory requirements and deliver exceptional service to clients and loan officers. You will be responsible for reviewing loan applications, verifying documentation, and coordinating with stakeholders to facilitate timely loan closings. Your key responsibilities will include reviewing and analyzing loan applications for completeness and accuracy, verifying borrower information and creditworthiness, communicating with various parties to gather necessary information, ensuring regulatory compliance, submitting loan files for underwriting approval, monitoring loan status, and assisting in training junior loan processors. It is crucial to maintain accurate records and documentation in line with company policies. To qualify for this role, a Bachelor's degree in finance, business, or a related field is preferred, along with a minimum of 5 years of experience in mortgage processing or a related role. You should have a thorough understanding of mortgage products, processes, and regulations, as well as experience with loan processing software such as Encompass or Calyx. Strong organizational skills, the ability to work independently, and NMLS license (preferred) are advantageous. The ideal candidate will possess in-depth knowledge of mortgage processing and underwriting guidelines, strong analytical and problem-solving skills, excellent communication and interpersonal abilities, proficiency in loan processing software and Microsoft Office Suite, multitasking capabilities, attention to detail, accuracy, and a strong customer service orientation.,

As an Insurance Underwriting Associate focusing on Home and Property Insurance in the US Market, you will be responsible for collaborating closely with US-based underwriters to facilitate the issuance of insurance policies. Your primary duties will involve the review, analysis, and binding of home and property insurance policies in alignment with underwriting guidelines. Evaluating risk factors, assessing insurance applications, and ensuring compliance with US insurance regulations will be essential aspects of your role. Your key responsibilities will include communicating with agents, brokers, and clients to collect necessary documentation, maintaining accurate records of underwriting decisions, and assisting with policy renewals, endorsements, and cancellations. Staying informed about developments in the US home and property insurance industry will also be crucial to your success in this position. To excel in this role, you should possess a minimum of 1 year of experience collaborating with US-based underwriters in the home and property insurance sector. Additionally, your flexibility to work night shifts to accommodate US time zones is essential for effective communication and coordination with stakeholders. By joining our team, you can look forward to a competitive salary package, exposure to the US insurance market, and promising career advancement opportunities within the global insurance industry. Our supportive and collaborative work environment will provide you with the necessary resources and encouragement to thrive in your role. If you are excited about this opportunity, please submit your resume to hr@aspireglobus.com. We are looking for dedicated professionals who are ready to contribute their expertise to our dynamic team. This is a full-time, permanent position based in Tricity, Mohali, Punjab. The working hours are from 7:30 pm to 4:30 am, Monday to Friday, in an onsite role at Mohali. Your commitment to evening and night shifts in the US time zone will be appreciated to ensure seamless operations and customer service.,

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

As an Insurance Underwriting Associate specializing in Home and Property Insurance for the US Market, your primary responsibility will involve collaborating closely with US-based underwriters to facilitate the issuance of insurance policies for homes and properties. Your duties will include reviewing, analyzing, and finalizing home and property insurance policies in adherence to underwriting guidelines. You will be tasked with evaluating risk factors, assessing insurance applications, and ensuring compliance with both US insurance regulations and internal company policies. Effective communication with agents, brokers, and clients to obtain necessary documentation and clarify underwriting requirements will be crucial. Maintaining accurate records of underwriting decisions and policy specifics, as well as assisting with policy renewals, endorsements, and cancellations as necessary, will form an integral part of your role. It will be essential for you to stay informed about developments within the US home and property insurance industry to effectively execute your responsibilities. The ideal candidate for this position should possess a minimum of 1 year of experience working alongside US-based underwriters in the realm of home and property insurance. Furthermore, the flexibility to work night shifts to accommodate US time zones is a prerequisite for this role. By joining our team, you can expect a competitive salary package, exposure to the dynamic US insurance market, opportunities for career advancement within the global insurance sector, and a supportive and collaborative work environment. To apply for this exciting opportunity, please submit your resume to hr@aspireglobus.com.,

Deep understanding of the loan origination cycle and underwriting process. Ability to assess various mortgage documents for compliance and risk factors. Knowledge of ATR/QM, RESPA, TRID, and other regulatory guidelines. Experience with FHA, VA, USDA, and conventional loan types. Familiarity with Fannie Mae and Freddie Mac policies. Strong analytical and problem-solving skills. Detail-oriented with the ability to spot inconsistencies. Proficiency in MS Office applications. Excellent written and verbal communication skills.