Live Underwriter- US Mortgage

5 days ago

Bengaluru, India Adecco Group Full time

Role- Live Underwriter ( Experience with 4Cs Framework/UW guidelines/non-QM UW )

US Mortgage Process Mandatory (Only Night Shifts)

Interested candidates- call on or share cv

Interview- Assessment/ Ops Round / HR Round

CONSULTANCY- ADECCO REMEMBER

Job Overview Live Underwriter: -

A Live Underwriter in U.S. mortgages evaluates loan applications, assesses borrower risk, and ensures compliance with lending guidelines (FHA, VA, Conventional, etc.). They review income, credit, assets, and property details to approve, suspend, or deny loans while working with loan officers and processors.

Key Responsibilities:

Loan Evaluation & Decision-Making

  • Review and analyze mortgage loan applications for eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines.
  • Assess borrower creditworthiness by thoroughly reviewing credit history, income, assets, and collateral (4Cs of Underwriting).
  • Ensure loan documentation adheres to HUD, investor, and company guidelines to mitigate risk.
  • Make independent underwriting decisions on loan approvals, suspensions, or denials based on risk assessment.

Compliance & Risk Management

  • Ensure compliance with federal, state, and company lending regulations to minimize potential risks.
  • Maintain thorough documentation of underwriting decisions for audit purposes.
  • Identify and report potential fraud or red flags to management and compliance teams.

Process Optimization & Collaboration

  • Work closely with loan processors, advisors, and management to resolve escalations and streamline the underwriting process.
  • Provide guidance to internal teams on best underwriting practices and regulatory changes.
  • Manage loans efficiently using Encompass and other underwriting tools.

Quality Assurance & Customer Service

  • Ensure timely completion of underwriting reviews while maintaining high-quality standards.
  • Communicate underwriting decisions clearly and professionally with stakeholders.
  • Continuously seek opportunities for process improvements to enhance efficiency.

Qualifications & Requirements:

bachelors degree or Equivalent Experience

5+ Years of End-to-End Mortgage Underwriting Experience (Conventional/Government)

Deep understanding of HUD, investor, and regulatory guidelines

Proficiency in Encompass & other mortgage underwriting systems

Strong analytical, decision-making, and problem-solving skills

Ability to work in a fast-paced, high-volume environment without compromising accuracy

Excellent communication & stakeholder management skills

Take Your Career to the Next Level

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