US Mortgage Underwriter (End-to-End | Work from Home)

experienced End-to-End US Mortgage Underwriters

Key Responsibilities:

• Review, analyze, and underwrite

  US Residential Mortgage

  loan files to ensure compliance with investor and company guidelines.
• Perform

  end-to-end underwriting

  for Conventional, FHA, VA, and USDA loan types (if applicable).
• Evaluate borrower financials including

  income, credit, assets, and collateral

  .
• Analyze

  personal and business tax returns

  (1040s, 1065, 1120, 1120S, K1, Schedule E, etc.) for income calculation.
• Verify documents such as

  transcripts, bank statements, pay stubs, and employment verifications

  .
• Maintain quality control and turnaround time (TAT) within SLA standards.
• Communicate with processors and loan officers to clear conditions and finalize approvals.
• Stay updated with

  US mortgage guidelines (FNMA, FHLMC, FHA, VA)

  and internal policies.

Eligibility Criteria:

• Graduates & above

  (Bachelor’s degree required).
• Minimum

  1 year of End-to-End Underwriting experience

  in the

  US Mortgage industry

  .
• Strong understanding of

  US Residential Mortgage guidelines & underwriting processes

  .
• Proficiency in

  income calculation

  from salaried and self-employed borrowers using tax returns.
• Excellent

  critical thinking, analytical ability

  , and

  attention to detail

  .
• Strong communication and documentation skills.

Preferred Skills:

• Exposure to

  DU/LP automated underwriting systems

  .
• Familiarity with

  Encompass / LOS systems

  .
• Knowledge of

  Fannie Mae, Freddie Mac, and FHA

  guidelines.
• Ability to work independently under minimal supervision.

Employment Type:

Full-time | Work from Home

Shift Timing:

Night Shift (US Process)