Underwriting

5 days ago

Bengaluru Chennai Coimbatore, India Visionet Systems Full time US$ 60,000 - US$ 1,20,000 per year

Job Summary:

We are looking for experienced US QM Loan Underwriters to join our team supporting U.S.-based lenders. This role involves end-to-end review and decisioning of residential mortgage loan files in alignment with Qualified Mortgage (QM) standards, Fannie Mae/Freddie Mac, Agencies (FHA, VA, USDA) guidelines, and client-specific overlays. The underwriter will work closely with U.S.-based stakeholders to deliver timely and accurate underwriting decisions from our offshore location.

Key Responsibilities:

  • Review and assess borrower documentation including income, assets, credit reports, and appraisals to determine loan eligibility under QM and agency guidelines.
  • Use AUS tools (DU/LPA) to evaluate loan risk and validate findings.
  • Document and justify underwriting decisions clearly within the clients Loan Origination System (LOS).
  • Apply and interpret Fannie Mae/Freddie Mac/Agency (FHA, VA, USDA) guidelines, lender overlays, and ATR/QM rules.
  • Ensure high standards of accuracy, compliance, and timely turnaround per defined SLAs.
  • Coordinate with U.S.-based processors, closers, and underwriters to resolve conditions and questions.
  • Maintain required production and quality metrics on a daily/weekly basis.
  • Support internal audit and post-closing quality reviews as needed.

Qualifications:

  • Minimum 35 years of hands-on experience in US residential mortgage underwriting, with specific expertise in QM loans.
  • Strong working knowledge of DU and LPA.
  • Familiarity with major LOS platforms such as Encompass, Calyx Point, or similar.
  • Excellent understanding of ATR/QM Rule, income calculation (W2, 1040, K1, 1120), and credit analysis.
  • Strong written and verbal communication skills in English.
  • Willingness to work in U.S. time zone shifts (EST/PST), if required.

Preferred Skills:

  • Experience working in an offshore BPO/KPO environment supporting U.S. lenders.
  • Exposure to correspondent or wholesale lending models.
  • DE, LAPP/SAR certifications (preferred but not mandatory).

Work Schedule & Environment:

  • Location: Bangalore
  • Shift Timing: U.S. time zone coverage
  • Secure work environment per client information security standards

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