US Mortgage Underwriter

3 weeks ago


India Brace Infotech Private Ltd Full time

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.

Experience: -

4years and above

Education Qualification:-

Degree Or Equivalent

Preference: -

US Mortgage Process (Only Night Shifts)

Work From Home/Remote.

Key Required Skills:-

 Candidate must have experience in live underwriting & Real Time Analysis.

 Excellent at Income Calculation and Debt-to-Income(DTI) Ratio Calculation.

 Expertise in 4C's framework (Credit, Capacity, Collateral and Capital),

 Familiar in Credit report Analysis & LOX (Letter of Explanation).

 Knowledge on Credit Bureau, Documents to approve the loan, Familiar with different

account types.

Job Roles and Responsibilities:

 Review and analyse the mortgage loan application to ensure eligibility, accuracy, completeness,

and compliance with internal and regulatory guidelines to minimize risk factors.


 Review all required loan data, reports, and inspections to insure the collateral is acceptable to

investor and the company.

 Knowledge of Lending & Underwriting Guidelines | Credit & Income Analysis | Cash Flow Analysis |

Risk Assessment | Loan-to-Value Ratios | Debt-to-Income Ratios

 Review Initial application - Verify loan, property, borrowers’ information with other available

documents - Verify borrower's monthly income and expenses - Verify other relevant sections. 

Review all the documents related to borrower’s Credit, Capacity, Collateral and Capital.

 Calculate asset required for closing and reserve purpose for the transaction (as per guideline)

 Responsible for making independent decisions regarding acceptance and risk of loans according to

HUD, company, and investor guidelines.

 Provides final approval underwriting of mortgage loans.

 Completes all required paperwork and forms in a timely and accurate manner; prepares required

forms.

 Sign off conditions in a timely manner set by management.

 Work with staff and management to find solutions on escalated loans.

 May be requested to make recommendations for improving Internal Audit’s policies and practices.

 Manage loans by using all functions of Encompass.

 Effectively communicate underwriting decisions with processors and advisors

 Maintain high level of customer service and communication with other departments.

 Other duties as assigned. Qualification & Experience

 Degree or Equivalent

 Minimum 3 years of experience in conventional/govt end to end underwriting.

 Well-versed with all 4C’s of Underwriting (Asset, Income, Credit and Collateral)



  • India Brace Infotech Private Ltd Full time

    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. Experience: - 4years and above Education Qualification:- Degree Or Equivalent Preference: - US Mortgage Process (Only Night...


  • India Brace Infotech Private Ltd Full time

    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. Experience: -4years and above Education Qualification:- Degree Or Equivalent Preference: - US Mortgage Process (Only Night Shifts)...


  • India Brace Infotech Private Ltd Full time

    The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordancewith established policies and procedures and appropriate guidelines; examines all documentationfor accuracy and completeness.Experience: -4years and aboveEducation Qualification:-Degree Or EquivalentPreference: -US Mortgage Process (Only Night Shifts)Work From...


  • Mumbai, India JPMorganChase Full time

    Job Description Job Description Are you ready to make a significant impact in private banking At JPMorgan Chase, we seek a dedicated and detail-oriented Underwriting QC Analyst for our Private Banking Mortgage team. Your expertise in Accounting, Banking & Finance, Mathematics, and US mortgages will help us uphold the highest standards of credit risk...


  • Pune, Maharashtra, India, Maharashtra Selections HR Services Private Limited Full time

    We are seeking a skilled U.K Mortgage Underwriter with expertise in the 4 C’s of underwriting (Credit, Capacity, Collateral, and Capital). The ideal candidate will have experience in risk assessment, income calculations, and property evaluation, ensuring compliance with underwriting guidelines and regulatory standards.Shift & Working Days:Shift: U.K (11am...


  • Chennai, Tamil Nadu, India, Tamil Nadu HCLTech Full time

    We are hiring for a Manager Mortgage Underwriting. Please find the below Key tasks and responsibilities for the same:Key Responsibilities.Underwriting Leadership- Oversee daily operations of the underwriting team, ensuring timely and accurate decisions on loan files.- Manage underwriting for FHA, VA, USDA, Fannie Mae, Freddie Mac, and jumbo loan products.-...


  • Chennai, India HCLTech Full time

    Job Description VENUE DETAILS: HCL Technologies Limited, Block 1, Sandhya info city / ETA 3 Special Economic Zone, No:33, Rajiv Gandhi Salai, Navalur, Tamil Nadu 603103 DATE - 11TH OCT 25 TIMING DETAILS: 9AM - 2PM This is a Residential Mortgage Underwriting process which involves a complete analysis of the loan parameters Job Summary: and the borrowers...


  • Mumbai, India Chase Bank Full time

    Job Description Are you ready to make a significant impact in private banking At JPMorgan Chase, we seek a dedicated and detail-oriented Underwriting QC Analyst for our Private Banking Mortgage team. Your expertise in Accounting, Banking & Finance, Mathematics, and US mortgages will help us uphold the highest standards of credit risk compliance for our High...


  • India Talentgigs Full time

    JOB TITLE:U.S Mortgage Underwriter SHIFT TIMING: Must be open for Night Shift POSITION TYPE: Full-Time LOCATION: Chennai Experience Range: 0.6 months – 8 years Notice period: UPTO45Days Job description A Mortgage Underwriter plays a crucial role in the mortgage lending process by assessing the creditworthiness and risk profile of...


  • Chennai, India HCLTech Full time

    Job Description VENUE DETAILS: HCL Technologies Limited, Block 1, Sandhya info city / ETA 3 Special Economic Zone, No:33, Rajiv Gandhi Salai, Navalur, Tamil Nadu 603103 DATE - 11TH OCT 25 TIMING DETAILS: 9AM - 2PM Job Summary: This is a Residential Mortgage Underwriting process which involves a complete analysis of the loan parameters and the borrowers...