Underwriter
7 days ago
About companyThoughtFocus helps forward-looking companies and organizations in the financial services, manufacturing, higher ed, public sector and emerging sectors innovate and achieve a better future faster. ThoughtFocus innovative and cutting-edge technology solutions enable its customers to deploy new capabilities faster, deliver better user experiences, and drive operating efficiencies. We do this through executional excellence and mitigating the risk of change. With headquarters in the U.S., the Company has more than 3,000 employees in locations spread across five countries. For more information, please visit the company website www.thoughtfocus.com.ESSENTIAL DUTIES AND RESPONSIBILITIES:Processing- Order Setup: Open new loan files in the Loan Origination System (LOS) and ensure accurate data entry. - Document Collection: Gather borrower’s initial application, credit report, income, assets, and property documentation. - Appraisal Management: Order and track appraisals to validate property value and condition. - VOE & VOD Requests: Obtain Verification of Employment and Verification of Deposit. - Document Follow-Up: Communicate with borrowers, loan officers, and third parties to obtain outstanding or missing documentation. - File Assembly: Organize all required documents systematically for underwriting submission. - Pre-Underwriting Review: Conduct a thorough review for accuracy, completeness, and potential red flags. - File Submission: Deliver processed and validated loan files to underwriting.Underwriting- Loan File Review: Analyse borrower credit, income, assets, liabilities, and property documents against program/investor guidelines. - Creditworthiness Verification: Ensure borrower meets eligibility and program requirements. - Financial Calculations: Accurately calculate Debt-to-Income (DTI) and Loan-to-Value (LTV) ratios. - Property Risk Assessment: Review appraisals for accuracy, value, condition, and marketability. - Fraud/Risk Detection: Identify red flags, inconsistencies, and potential fraud indicators. - Decision Making: Issue conditional approvals, suspensions, or denials based on file review. - Condition Management: Work with processors and loan officers to communicate conditions and review additional documents. - Final Approval: Issue final “clear-to-close” once all conditions are satisfied.- Minimum 2–5 years’ experience in US mortgage processing and underwriting. - Strong understanding of agency guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA). - Proficiency in Loan Origination Systems (LOS) such as Encompass, Calyx, or similar. - Strong knowledge of mortgage regulations, compliance, and investor requirements. - Ability to analyse complex financial documents (tax returns, pay stubs, bank statements). - Exceptional attention to detail, analytical ability, and problem-solving skills. - Strong communication skills to coordinate with Loan Officers, Processors, and third parties. - Certification (e.g., DE, SAR, or other underwriting designations) preferred but not mandatory.
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Underwriter
4 weeks ago
New Delhi, India Mphasis Full timeMphasis is Hiring: US Mortgage Underwriters Wanted!Are you an experienced mortgage underwriter looking to take your career to the next level? Join our dynamic team atMphasisand be part of a company that values expertise, precision, and growth!Position Overview:Were looking for professionals with:2+ years of experiencein US Residential Mortgage Underwriting...
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Underwriter
2 weeks ago
New Delhi, India Mphasis Full timeMphasis is Hiring: US Mortgage Underwriters Wanted!Are you an experienced mortgage underwriter looking to take your career to the next level? Join our dynamic team atMphasisand be part of a company that values expertise, precision, and growth!Position Overview:Were looking for professionals with:2+ years of experiencein US Residential Mortgage Underwriting...
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Underwriter
4 weeks ago
New Delhi, India Career Guideline Full timeFull Job Description Position Summary: The Mortgage underwriting associate evaluate and determine the eligibility of loan applications of residential mortgage (1-4 family) loans. Mortgage underwriting associate role includes but not limited to analyzing and verifying loan applications, review of all 4 C’s, evaluating risks, and making loan eligibility...
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Underwriter
1 week ago
New Delhi, India Career Guideline Full timeFull Job Description Position Summary: The Mortgage underwriting associate evaluate and determine the eligibility of loan applications of residential mortgage (1-4 family) loans. Mortgage underwriting associate role includes but not limited to analyzing and verifying loan applications, review of all 4 C’s, evaluating risks, and making loan eligibility...
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Underwriter
2 weeks ago
New Delhi, India Career Guideline Full timeFull Job Description Position Summary: The Mortgage underwriting associate evaluate and determine the eligibility of loan applications of residential mortgage (1-4 family) loans. Mortgage underwriting associate role includes but not limited to analyzing and verifying loan applications, review of all 4 C’s, evaluating risks, and making loan eligibility...
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Underwriter
6 days ago
New Delhi, India Career Guideline Full timeFull Job DescriptionPosition Summary:The Mortgage underwriting associate evaluate and determine the eligibility of loan applicationsof residential mortgage (1-4 family) loans. Mortgage underwriting associate role includes butnot limited to analyzing and verifying loan applications, review of all 4 C’s, evaluating risks, and making loan eligibility...
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Underwriter
1 week ago
New Delhi, India Brace Infotech Private Ltd Full timeBrace Infotechis hiring for one of ouresteemed US-based clientswith a strong presence inIndia and the Philippines ! We are looking for talented professionals withUS Mortgage experienceto join their expanding team. Position Details: Live Underwriter – US Mortgage Experience:2 to 10 years Work Mode:Remote (Except for Bengaluru and Chennai Candidates) Key...
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Underwriter
5 days ago
New Delhi, India Brace Infotech Private Ltd Full timeBrace Infotech is hiring for one of our esteemed US-based clients with a strong presence in India and the Philippines!We are looking for talented professionals with US Mortgage experience to join their expanding team.Position Details:- Live Underwriter – US Mortgage - Experience: 2 to 10 years - Work Mode: Remote (Except for Bengaluru and Chennai...
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Underwriter
2 weeks ago
New Delhi, India ThoughtFocus Full timeAbout company ThoughtFocus helps forward-looking companies and organizations in the financial services, manufacturing, higher ed, public sector and emerging sectors innovate and achieve a better future faster. ThoughtFocus innovative and cutting-edge technology solutions enable its customers to deploy new capabilities faster, deliver better user experiences,...
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Mortgage Underwriter
4 weeks ago
New Delhi, India Moder Full timePosition:Underwriters / Sr. Underwriters Experience:3+years Location:Remote Shift:Night shifts (flexibility required)Job Summary: The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness.Job Roles...
