Varsal-terra Technology

Job Description: Live Underwriter - US Mortgage Positions: 20 Experience: 4 to 6 years (Minimum 2 years in Live Underwriting) Location: Bengaluru, Coimbatore (Work from office only) Notice Period: Immediate to 15 days Qualification: Graduate in any discipline Shift: US Shift (6/7 PM to 3/4 AM) Experience Requirements: 4 to 6 years of US mortgage underwriting experience, with at least 2+ years in Live Underwriting. Strong knowledge of FNMA, FHLMC, GNMA, and investor guidelines. Comprehensive understanding of Conventional, FHA, VA, and USDA loans. Roles and Responsibilities: Conduct credit analysis based on borrowers Income, Assets, Liabilities, and Collateral (4Cs of Underwriting) to assess creditworthiness. ¢ Evaluate complete loan documents and provide approval or denial decisions. ¢ Perform a thorough review of Collateral, including Appraisal analysis and Property Valuation. ¢ Expertise in Income calculation for various income types, including Salaried income, Business income, Retired income, Other income, and Rental income. ¢ Complete credit report analysis to verify trade lines, derogatory accounts, public records, and credit reconciliations. Preferred Skills: ¢ Strong analytical and decision-making abilities. ¢ Attention to detail and accuracy in financial assessments. ¢ Familiarity with mortgage processing software and underwriting systems. ¢ Excellent communication and documentation skills. ¢ Excellent command over spoken and written English If you meet the above qualifications and are looking for an exciting opportunity in US Mortgage Underwriting, we encourage you to apply!