Underwriter (US Residential Mortgage)

5 hours ago


Chennai, Tamil Nadu, India Golden Opportunities Full time

We are hiring Underwriter to support mortgage underwriting operations. The role involves evaluating borrower profiles using the 4 Cs of UnderwritingCredit, Capacity, Capital, and Collateral to ensure accurate income assessment, risk evaluation, and compliance with lending standards.

Role & responsibilities

  • Evaluate borrower profiles based on the 4 Cs of Underwriting: Credit, Capacity, Capital, and Collateral
  • Review credit reports to assess creditworthiness
  • Calculate Debt-to-Income (DTI) and Loan-to-Value (LTV) ratios
  • Validate property value through appraisal reports
  • Ensure compliance with underwriting guidelines and regulatory requirements
  • Meet quality standards and turnaround time targets
  • Review and verify mortgage loan applications and supporting documentation
  • Analyze income documents including pay stubs, tax returns, W-2s, and bank statements
  • 28 years of experience in mortgage underwriting, income calculation, or due diligence
  • Strong understanding of the 4 Cs of Underwriting
  • Hands-on experience in US mortgage processes

Preferred candidate profile

Are you familiar with the 4 Cs of underwriting (Credit, Capacity, Capital, Collateral)?



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