Senior Underwriter

1 day ago

Chennai, Tamil Nadu, India The HIRD Full time ₹ 5,50,000 - ₹ 6,00,000 per year

We're Hiring:
Live / End-to-End Underwriter

Are you an experienced
Underwriter
looking to grow your career in a dynamic, fast-paced environment? We're on the lookout for a professional with
3.5+ years of relevant experience
to join our team in
Pune (UK Shift)
.

Role:
Underwriter (Live / End-to-End)

Experience: 3.5+ years (relevant underwriting experience is mandatory)

CTC:
Up to ₹ 6 LPA

Location:
Pune (UK Shift)

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
    (bi-weekly, monthly, quarterly).
  • Debt-to-Income (DTI) ratio
    assessment.
  • Loan-to-Value (LTV) ratio
    evaluation.
  • Asset Calculation
    and
    PITI (Principal, Interest, Taxes, Insurance)
    review.
  • Ensure compliance with internal policies and regulatory guidelines.
  • Collaborate with internal teams to ensure smooth processing and decision-making.

Requirements:

  • Minimum
    3.5 years of underwriting experience
    (Live / End-to-End).
  • Experience in the
    UK Mortgage process
    or the
    US Mortgage underwriting
    – both will be considered.
  • 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.

Why Join Us?

  • Opportunity to work on
    challenging UK & US mortgage underwriting cases
    .
  • Competitive CTC (up to ₹5.5 LPA).
  • Career growth, continuous learning, and a supportive team culture.

Interested candidates can share their profile or reach out at

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