US Mortgage Underwriter

4 days ago

Hyderabad, Telangana, India MNC Job Referal Full time ₹ 5,00,000 - ₹ 15,00,000 per year

We are hiring
experienced End-to-End US Mortgage Underwriters
who can independently handle the complete loan underwriting process for
US Residential Mortgages
. This is a
work-from-home
opportunity offering flexibility, growth, and stability for professionals passionate about accuracy, compliance, and financial analysis.


Key Responsibilities:

  • Review, analyze, and underwrite
    US Residential Mortgage
    loan files to ensure compliance with investor and company guidelines.
  • Perform
    end-to-end underwriting
    for Conventional, FHA, VA, and USDA loan types (if applicable).
  • Evaluate borrower financials including
    income, credit, assets, and collateral
    .
  • Analyze
    personal and business tax returns
    (1040s, 1065, 1120, 1120S, K1, Schedule E, etc.) for income calculation.
  • Verify documents such as
    transcripts, bank statements, pay stubs, and employment verifications
    .
  • Maintain quality control and turnaround time (TAT) within SLA standards.
  • Communicate with processors and loan officers to clear conditions and finalize approvals.
  • Stay updated with
    US mortgage guidelines (FNMA, FHLMC, FHA, VA)
    and internal policies.


Eligibility Criteria:

  • Graduates & above
    (Bachelor's degree required).
  • Minimum
    1 year of End-to-End Underwriting experience
    in the
    US Mortgage industry
    .
  • Strong understanding of
    US Residential Mortgage guidelines & underwriting processes
    .
  • Proficiency in
    income calculation
    from salaried and self-employed borrowers using tax returns.
  • Excellent
    critical thinking, analytical ability
    , and
    attention to detail
    .
  • Strong communication and documentation skills.


Preferred Skills:

  • Exposure to
    DU/LP automated underwriting systems
    .
  • Familiarity with
    Encompass / LOS systems
    .
  • Knowledge of
    Fannie Mae, Freddie Mac, and FHA
    guidelines.
  • Ability to work independently under minimal supervision.


Employment Type:

Full-time | Work from Home


Shift Timing:

Night Shift (US Process)

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