Underwriter (QM & Non-QM)

13 hours 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.

  • Underwriter

    1 day ago

    Bengaluru, India Brace Infotech Private Ltd Full time

    Job Description: Underwriter / Senior UnderwriterCompany: Brace infotech Pvt. Ltd.Work Location: Bangalore, KarnatakaDrive Dates: August 22–23, 2025Interview Time: 11:00 AM – 3:00 PMVenue: 9th Floor, Virgo Building Block B, Bagmane Constellation Business Park, Outer Ring Road, Doddanekundi, Marathahalli, Bengaluru, Karnataka Role OverviewWe are...

  • Underwriting Lead

    2 weeks ago

    Bengaluru, Karnataka, India beBeeSpecialist Full time ₹ 12,00,000 - ₹ 15,00,000

    Senior Underwriter SpecialistWe are seeking experienced professionals proficient in end-to-end underwriting, income review, collateral underwriting, and non-QM underwriting.Key Responsibilities:End-to-End UnderwriterManage the complete underwriting process from initial assessment to final decision.Evaluate loan applications, credit reports, and borrower...

  • Underwriter

    1 week ago

    Bengaluru, Karnataka, India Brace Infotech Private Ltd Full time

    Job Description: Underwriter / Senior UnderwriterCompany: Brace infotech Pvt. Ltd.Work Location: Bangalore, KarnatakaDrive Dates: August 22–23, 2025Interview Time: 11:00 AM – 3:00 PMVenue: 9th Floor, Virgo Building Block B, Bagmane Constellation Business Park, Outer Ring Road, Doddanekundi, Marathahalli, Bengaluru, Karnataka ???? Role OverviewWe are...

  • Underwriter

    2 weeks ago

    Bengaluru, Karnataka, India Brace Infotech Private Ltd Full time

    Job Description: Underwriter / Senior UnderwriterCompany: Brace infotech Pvt. Ltd.Work Location: Bangalore, KarnatakaDrive Dates: August 22–23, 2025Interview Time: 11:00 AM – 3:00 PMVenue: 9th Floor, Virgo Building Block B, Bagmane Constellation Business Park, Outer Ring Road, Doddanekundi, Marathahalli, Bengaluru, Karnataka 560037 Role OverviewWe are...

  • Underwriter

    2 weeks ago

    Bengaluru, Karnataka, India Brace Infotech Private Ltd Full time

    Job Description: Underwriter / Senior UnderwriterCompany: Brace infotech Pvt. Ltd.Work Location: Bangalore, KarnatakaDrive Dates: August 22–23, 2025Interview Time: 11:00 AM – 3:00 PMVenue: 9th Floor, Virgo Building Block B, Bagmane Constellation Business Park, Outer Ring Road, Doddanekundi, Marathahalli, Bengaluru, Karnataka 560037 Role OverviewWe are...

  • Underwriter

    2 weeks ago

    Bengaluru, Karnataka, India Brace Infotech Private Ltd Full time

    Job Description: Underwriter / Senior Underwriter Company: Brace infotech Pvt. Ltd. Work Location: Bangalore, Karnataka Drive Dates: August 22–23, 2025 Interview Time: 11:00 AM – 3:00 PM Venue: 9th Floor, Virgo Building Block B, Bagmane Constellation Business Park, Outer Ring Road, Doddanekundi, Marathahalli, Bengaluru, Karnataka Role Overview...

  • Underwriter

    3 weeks ago

    Bengaluru, Karnataka, India Brace Infotech Private Ltd Full time

    Job Description: Underwriter / Senior Underwriter Company: Brace infotech Pvt. Ltd. Work Location: Bangalore, Karnataka Drive Dates: August 22–23, 2025 Interview Time: 11:00 AM – 3:00 PM Venue: 9th Floor, Virgo Building Block B, Bagmane Constellation Business Park, Outer Ring Road, Doddanekundi, Marathahalli, Bengaluru, Karnataka Role Overview...

  • Underwriter

    2 weeks ago

    Bengaluru, Karnataka, India Brace Infotech Private Ltd Full time

    Job Description: Underwriter / Senior UnderwriterCompany: Brace infotech Pvt. Ltd.Work Location: Bangalore, KarnatakaDrive Dates: August 22–23, 2025Interview Time: 11:00 AM – 3:00 PMVenue: 9th Floor, Virgo Building Block B, Bagmane Constellation Business Park, Outer Ring Road, Doddanekundi, Marathahalli, Bengaluru, Karnataka 560037 Role OverviewWe are...

  • Underwriter

    7 days ago

    Bengaluru, India Brace Infotech Private Ltd Full time

    Job Description: Underwriter / Senior Underwriter Company: Brace infotech Pvt. Ltd. Work Location: Bangalore, Karnataka Drive Dates: August 22–23, 2025 Interview Time: 11:00 AM – 3:00 PM Venue: 9th Floor, Virgo Building Block B, Bagmane Constellation Business Park, Outer Ring Road, Doddanekundi, Marathahalli, Bengaluru, Karnataka Role Overview We are...

  • Underwriter

    7 days ago

    Bengaluru, India Brace Infotech Private Ltd Full time

    Job Description: Underwriter / Senior Underwriter Company: Brace infotech Pvt. Ltd. Work Location: Bangalore, Karnataka Drive Dates: August 22–23, 2025 Interview Time: 11:00 AM – 3:00 PM Venue: 9th Floor, Virgo Building Block B, Bagmane Constellation Business Park, Outer Ring Road, Doddanekundi, Marathahalli, Bengaluru, Karnataka Role Overview...