
Lead Underwriting Specialist
5 days ago
We're seeking a seasoned Underwriter to join our team in Pune.
As an experienced Underwriter, you will be responsible for performing Live Underwriting with complete end-to-end case ownership. You will evaluate borrower profiles using the 4 Cs of Credit – Character, Capacity, Capital, and Collateral. Your tasks will include conducting detailed Credit Report Reviews for accurate risk assessment, working on both UK Mortgage and US Mortgage underwriting, and collaborating with internal teams to ensure smooth processing and decision-making.
- Key Responsibilities:
- Perform Live Underwriting with complete end-to-end case ownership.
- 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 both UK Mortgage and US Mortgage underwriting, including income calculation, debt-to-income (DTI) ratio assessment, loan-to-value (LTV) ratio evaluation, asset calculation, and PITI review.
- Ensure compliance with internal policies and regulatory guidelines.
- Collaborate with internal teams to ensure smooth processing and decision-making.
- 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 UK Shift environment.
- Strong communication and stakeholder management skills.
- Opportunity to work on challenging UK & US mortgage underwriting cases.
- Career growth, continuous learning, and a supportive team culture.
Why Join Us?
Our dynamic, fast-paced environment offers exciting opportunities for career growth and development. If you are passionate about underwriting and looking for a new challenge, we encourage you to apply.
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