
Senior Mortgage Underwriter
21 hours ago
We are currently seeking a seasoned mortgage underwriting professional to join our team in Kozhikode, India.
Job Description:
The successful candidate will be responsible for evaluating borrower profiles and assessing credit risk. They will perform live underwriting with complete end-to-end case ownership and ensure compliance with internal policies and regulatory guidelines.
Key Responsibilities:
- Evaluate borrower profiles using the 4 Cs of Credit – Character, Capacity, Capital, and Collateral.
- Conduct a detailed credit report review for accurate risk assessment.
- Work on UK Mortgage and US Mortgage underwriting, including income calculation, debt-to-income ratio assessment, loan-to-value ratio evaluation, asset calculation, and PITI review.
- Collaborate with internal teams to ensure smooth processing and decision-making.
Requirements:
- Minimum 3.5 years of underwriting experience.
- Experience in the UK Mortgage process or the US Mortgage underwriting.
- Strong knowledge of credit report review, DTI, LTV, PITI, income & asset calculations.
- Excellent analytical and decision-making skills with high accuracy.
- Comfortable working in a fast-paced environment.
- Strong communication and stakeholder management skills.
Why This Opportunity is Attractive:
- Opportunity to work on challenging mortgage underwriting cases.
- Career growth, continuous learning, and a supportive team culture.
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