Live Underwriter-US Mortgage(Minimum Exp of 2 yrs as hands on Live Underwriter)

1 day ago

Bengaluru, Karnataka, India Varsal-Terra Technology Full time ₹ 9,00,000 - ₹ 12,00,000 per year

Job Description: Live Underwriter - US Mortgage (Minimum Exp of 2 yrs as hands on Live Underwriter) 

Positions:50+

Experience: 4 to 6 years (Minimum 2 years in Live Underwriting- Hands on), Don't apply if you have only knowledge of Live Underwriting as pre underwriter or end to end of underwriting support

Location: Chennai & Mumbai (Work from home for first couple of Months then work from office), Bengaluru or Coimbatore (Work from office only)

Notice Period: Immediate to 15-20 days

Qualification: Graduate in any discipline

Shift: US Shift (6/7 PM to 3/4 AM) - Monday to Friday 

Experience Requirements:

  • 4 to 6 years of US mortgage underwriting experience, with at least 2+ years in Live Underwriting.

  • Strong knowledge of FNMA, FHLMC, GNMA, and investor guidelines.

  • Comprehensive understanding of Conventional, FHA, VA, and USDA loans.

Roles and Responsibilities:

  • Conduct credit analysis based on borrower's Income, Assets, Liabilities, and Collateral (4C's of Underwriting) to assess creditworthiness.

  • Evaluate complete loan documents and provide approval or denial decisions.

  • Perform a thorough review of Collateral, including Appraisal analysis and Property Valuation.

  • Expertise in Income calculation for various income types, including Salaried income, Business income, Retired income, Other income, and Rental income.

  • Complete credit report analysis to verify trade lines, derogatory accounts, public records, and credit reconciliations.

Preferred Skills:

  • Strong analytical and decision-making abilities.

  • Attention to detail and accuracy in financial assessments.

  • Familiarity with mortgage processing software and underwriting systems.

  • Excellent communication and documentation skills.

  • Excellent command over spoken and written English

If you meet the above qualifications and are looking for an exciting opportunity in US Mortgage Underwriting, we encourage you to apply

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