US Mortgage Underwriter

As an experienced End-to-End US Mortgage Underwriter, you will be responsible for independently handling the complete loan underwriting process for US Residential Mortgages. This work-from-home opportunity offers flexibility, growth, and stability for professionals who are passionate about accuracy, compliance, and financial analysis. - 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. - 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. To be eligible for this role, you should meet the following criteria: - Graduates & above (Bachelors 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 for this position include: - 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. This is a full-time work-from-home position with night shifts (US Process), offering you the opportunity to showcase your expertise in US Mortgage underwriting while ensuring compliance and accuracy in the loan approval process. As an experienced End-to-End US Mortgage Underwriter, you will be responsible for independently handling the complete loan underwriting process for US Residential Mortgages. This work-from-home opportunity offers flexibility, growth, and stability for professionals who are passionate about accuracy, compliance, and financial analysis. - 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. - 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. To be eligible for this role, you should meet the following criteria: - Graduates & above (Bachelors 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 for this position include: - 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. This is a full-time work-from-home position with night shifts (US Process), offering you the opportunity to showcase your expertise in US Mortgage underwriting while ensuring compliance and accuracy in the loan approval process.