Residential Underwriter

1 week ago

Chennai, Tamil Nadu, India Firstsource Full time ₹ 9,00,000 - ₹ 12,00,000 per year

Role & responsibilities

Candidate should have total 3+ years of US mortgage underwriting experience

  • Well versed with FNMA. FHLMC, knowledge of GNMA and investor guidelines is an additional benefit
  • Should have good analytical and problem-solving skills
  • Should have decision-making skill when applying in business judgment
  • Evaluate complete loan documents and should provide approval or denial decision
  • Complete review of credit report to verify trade lines, derogatory accounts, public records and credit reconciliation
  • Thorough income calculation Salaried income, business income, retired other income and rental income
  • Complete review of Collateral and property valuation
  • Assets verification include borrowers bank account statement, retirement accounts, mutual funds and other investments.
  • Credit analysis based on borrower's Income, Asset, Liability and Collateral (4C of Underwriting) to determine the credit worthiness of a customer
  • Validating and processing the Loan documents on behalf a Mortgage lender organization.
  • Evaluating evidence of borrower's willingness and ability to repay the obligation
  • Good communication, Presentation skills, Self-motivated and hard working

About you:

  • Minimum 3 years of Underwriting experience in US Mortgage.
  • Sound knowledge of US Residential mortgage
  • Exposure of Underwriting processes & guidelines.
  • Excellent critical thinking, problem solving and sound judgment. Analysis and Calculation of qualifying income from Salaried various tax documents such as 1040s, Schedule E, 1065, 1120, 1120S, K1, transcripts, etc.

Disclaimer: Firstsource follows a fair, transparent, and merit-based hiring process. We never ask for money at any stage. Beware of fraudulent offers and always verify through our official channels or email addresses.

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