QA Underwriter

4 days ago

Chennai Tamil Nadu, India first phoenics solutions inc Full time

**Job Title**: QA Underwriter

**Location**: Pune & Chennai
**Experience Required**: 3+ Years in Mortgage Underwriting
**Shift**: Rotational (24/7)

**Job Summary**:
**Key Responsibilities**:

- Review complete mortgage loan files including income, assets, credit, and collateral.
- Perform **quality assurance checks** to ensure loan files are accurate, complete, and compliant.
- Analyze borrower documents and underwrite loans according to AUS/manual guidelines (DU/LP).
- Identify red flags and ineligible properties; escalate issues when necessary.
- Issue loan decisions and conditions as per client guidelines.
- Approve conditions and support processors/loan officers in clearing them.
- Maintain up-to-date knowledge of investor and client requirements.
- Use multiple systems and maintain accurate data entry in a **paperless environment**.
- Provide excellent customer service to internal and external stakeholders.
- Resolve pre
- and post-closing underwriting issues.
- Work in a **secure environment** with strict adherence to data and information protection protocols.

**Requirements**:

- Minimum **3 years of current experience** in conventional mortgage underwriting.
- Strong understanding of income calculations, tax returns, credit analysis, and collateral review.
- Familiarity with **GSE guidelines (Fannie Mae/Freddie Mac)** and **automated underwriting systems** (DU/LP).
- Experience in identifying underwriting risks and red flags.
- Excellent analytical and communication skills (verbal and written).
- Proficiency in working with digital loan origination systems in a fast-paced, production-oriented environment.
- Willingness to work **night shifts and rotational shifts (24/7 support)**.
- Team-oriented with a strong attention to detail.
- NMLS-MLO Licensure (preferred but not mandatory).

Pay: ₹800,000.00 - ₹900,000.00 per year

**Experience**:

- IT: 5 years (required)
- QA: 4 years (required)
- Mortgage Loan Underwriting: 3 years (required)

Work Location: In person

**Speak with the employer**
+91 9568308405

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