US Mortgage Live Underwriter

Job Title: US Mortgage Live Underwriter

Department: Mortgage
Location: Kothanur Office, Bangalore
Role Type: Full-Time
Shift: US Shifts

About Flatworld Solutions

Flatworld Solutions is a global business solutions company that has evolved over the last two decades from BPO to technology, business process automation, and now GenAI. Serving clients across 50+ countries, we provide a wide range of services including IT, finance, healthcare, engineering, design, and data science.

Our mission is to "unlock winning ways" for clients, partners, and employees through innovative, technology-driven solutions. Guided by our core valuesHarmony, Excellence, Learning, Integrity, and Ownership—we prioritize collaboration, open communication, high performance standards, continuous learning, and impactful results.

Role Overview

As a Mortgage Underwriter, you will play a vital role in supporting our US-based clients by evaluating and processing mortgage loan applications. This includes assessing risk, ensuring regulatory compliance, and making sound underwriting decisions.

You will work in a collaborative team that values accuracy, integrity, and customer-centricity, directly contributing to the success of our mortgage operations.

Key Responsibilities

• Perform live origination underwriting for US clients, including both initial reviews and re-reviews.
• Examine loan applications and supporting documentation (credit reports, income statements, employment records, etc.) for completeness and accuracy.
• Analyze applicants' credit history, income, assets, liabilities, and property valuation to assess risk and repayment capability.
• Ensure compliance with company policies and all applicable federal and state mortgage regulations.
• Approve or deny applications based on comprehensive risk analysis; recommend alternatives where applicable.
• Collaborate with mortgage brokers, loan officers, and applicants to gather additional information and communicate underwriting decisions.

Requirements

• Experience: Minimum 2+ years of hands-on US mortgage underwriting experience (Conventional and FHA required; VA and USDA preferred).
• Tools & Guidelines: Proficient in Desktop Underwriter (DU) and Loan Prospector (LP); strong knowledge of Fannie Mae and Freddie Mac guidelines.

• Skills:

• Ability to analyze income, employment, credit, DTI, LTV, and property appraisals.

• Proficiency in calculating all income types (wage earner, self-employment, etc.).
• Ability to verify accuracy of employment documents, down payments, reserves, appraisals, and title commitments.
• Strong decision-making skills in identifying red flags and assessing loan eligibility.
• Experience reviewing legal documentation for completeness and accuracy.

What We Offer

• Competitive Compensation: Industry-standard salary with comprehensive benefits.
• Work Flexibility: For select projects and roles, flexible hours and hybrid/remote options.
• Health Coverage: Medical insurance that includes employees, parents, and in-laws.
• Paid Time Off: Generous vacation, personal leave, and public holidays.
• Recognition: Performance-based bonuses and employee appreciation programs.
• Learning & Development: Access to workshops, training, and certification support.
• Employee Assistance Program: Support for work-life and personal well-being.

Why Join Flatworld Solutions?

Joining Flatworld means joining a global, forward-thinking organization with opportunities to grow across industries like IT, finance, and GenAI.

Here's what sets us apart:

• Competitive pay and mentorship
• International exposure (clients in 50+ countries)
• Access to cutting-edge tools and technologies
• A supportive work culture that values continuous learning and balance
• Be part of our "Possibilitarians" tribe—people who make things possible with a "whatever it takes" attitude

Your Growth at Flatworld

We actively invest in your professional journey with:

• Ongoing training and workshops
• Mentorship by experienced professionals
• Access to courses and certifications
• Career pathing and regular performance feedback
• Cross-functional projects and leadership development
• Opportunities for networking and job rotations

How to Apply

To apply, please send your updated resume and a brief cover letter. In your letter, tell us:

• Why this role excites you
• How your experience aligns with our expectations

Equal Opportunity Employer

Flatworld Solutions is an Equal Opportunity Employer. We embrace diversity and are committed to building an inclusive workplace for all.

All qualified applicants will receive consideration for employment without regard to:

• Race, color, religion, gender, gender identity or expression
• Sexual orientation, national origin, genetics, disability
• Age or veteran status