Underwriter
1 hour ago
About 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, 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 . 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.
-
Underwriter
2 days ago
Mysore, 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,...
-
Underwriter
4 weeks ago
Mysore, 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,...
-
Underwriter
4 weeks ago
mysore, 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,...
-
Underwriter
4 days ago
Mysore, 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,...
-
Underwriter
1 week ago
Mysore, Karnataka, India ThoughtFocus Full time ₹ 5,00,000 - ₹ 15,00,000 per yearAbout 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,...
-
Underwriter
2 hours ago
Mysore, India ThoughtFocus Full timeAbout companyThought Focus 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. Thought Focus innovative and cutting-edge technology solutions enable its customers to deploy new capabilities faster, deliver better user...
-
Risk Underwriter
4 days ago
Mysore, 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,...
-
Underwriter
2 days ago
Mysore, India ThoughtFocus Full timeAbout 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,...
-
Underwriter
20 hours ago
Mysore, India ThoughtFocus Full timeAbout companyThought Focus 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. Thought Focus innovative and cutting-edge technology solutions enable its customers to deploy new capabilities faster, deliver better user...
-
Underwriter
2 hours ago
Mysore, India ThoughtFocus Full timeAbout companyThought Focus 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. Thought Focus innovative and cutting-edge technology solutions enable its customers to deploy new capabilities faster, deliver better user...
