Experienced Senior Mortgage Specialist

2 days ago


Gulbarga, Karnataka, India beBeeUnderwriter Full time ₹ 45,00,000 - ₹ 60,00,000
Job Title: Senior Underwriter

We are currently seeking an experienced Senior Credit Analyst to lead our underwriting team in a fast-paced environment.

This is an excellent opportunity for seasoned professionals looking to take on new challenges and grow their career.

  • Perform live end-to-end case ownership, evaluating borrower profiles using the 4 Cs of Credit – Character, Capacity, Capital, and Collateral.
  • Conduct detailed credit report reviews for accurate risk assessment and work on both UK mortgage and US mortgage underwriting.
  • Evaluate income calculation (bi-weekly, monthly, quarterly), debt-to-income (DTI) ratio, loan-to-value (LTV) ratio, asset calculation, and PITI (Principal, Interest, Taxes, Insurance) review.
  • Ensure compliance with internal policies and regulatory guidelines while collaborating with internal teams for smooth processing and decision-making.
Requirements:
  • Minimum 3.5 years of underwriting experience with live/end-to-end case ownership.
  • Strong knowledge of credit report review, DTI, LTV, PITI, income & asset calculations.
  • Excellent analytical and decision-making skills with high accuracy.
  • Ability to work in a dynamic environment and collaborate with internal teams.
  • Strong communication and stakeholder management skills.


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