Wns Global Services Private Limited - Ghs, Taxation

Job Title: Us Mortgage (Live Underwriting) Location: Gurgaon Job Type: Full Time Shifts: US Shifts(Night shifts) Experience: 2+ Years of experience into Us Mortgage Live underwriting Job Summary: Mortgage Live Underwriter evaluateing residential loan applications in real time to determine the borrower’s creditworthiness and adherence to investor, regulatory, and company guidelines. The underwriter reviews financial documents, analyzes risk, and issues credit decisions (approval, suspension, or denial). This role requires strong knowledge of Fannie Mae, Freddie Mac, FHA, VA, and USDA underwriting standards. Qualifications Education: Bachelors in any stream. Key Responsibilities: Knowledge of mortgage underwriting and Agency automated underwriting systems• Demonstrate a full understanding of agency guidelines as well as posted Lender internal guidelines• Review all mortgage applications and documentation for accuracy and completeness• Review and be able to complete a full analysis of all types of income (Self/Rental/Wage/etc), Assets, Liabilities, Credit and Collateral. Analyze credit, income, and assets on a loan-by-loan basis to properly assess individual risk, and promptly provide underwriting decisions to Mortgage Originators Review property documentation including title commitments, sales contracts, insurance, and flood determinations Maintain a well-developed knowledge of loan product guidelines and industry regulations, including assisting in the prevention, detection, and resolution of mortgage fraud Review and analyze appraisals for value and compliance with industry requirements Demonstrate the ability to independently make sound decisions based on the creditworthiness of the applicants based on established underwriting guidelines, policies, procedures, knowledge, and experience Provide exceptional customer care (both internal and external) in a manner that satisfies the individual needs of each customer and builds loyalty to the client Maintain confidentiality of all customer and employee information Respond positively to feedback and redirection Fully utilize systems, tools, training, and resources provided to maximize potential Meeting daily production. Meeting the daily SLA requirement Meeting the daily Quality requirements If Interested kindly apply or share the resume on ashina.aggarwal@wns.com