Underwriter (QM & Non-QM)

2 days ago

Bengaluru Coimbatore, India Visionet Systems Full time ₹ 9,00,000 - ₹ 12,00,000 per year

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.
  • Manually underwrite non-QM loan files by evaluating full income, asset, credit, and collateral documentation.
  • Analyze alternative income types such as bank statements, P&L statements, 1099s, DSCR, and asset depletion.
  • Review files for completeness, accuracy, and eligibility based on lender-specific non-QM guidelines and overlays.

Qualifications:

  • 3-5 years of U.S. mortgage underwriting experience with at least 12 years in Non-QM and QM
  • In-depth knowledge of Non-QM programs including Bank Statement, DSCR, 1099, CPA/P&L, and Asset Utilization loans
  • 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.
  • Willingness to work in U.S. time zone shifts (EST/PST), if required.

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