We are hiring an experienced End-to-End Underwriter in US Mortgage (Must have) responsible for managing the complete underwriting lifecycle, from application review through final decisioning. The role requires strong analytical skills and hands-on experience evaluating risk using the 4Cs of Credit framework.
Key Responsibilities
- Perform end-to-end underwriting for loan/insurance applications in line with company risk policies
- Assess applications using the 4Cs of Credit Character, Capacity, Capital, and Collateral
- Review credit reports, income documents, bank statements, and financial records
- Conduct income analysis, debt-to-income calculations, and affordability assessment
- Evaluate risk exposure and provide approval, decline, or conditional decisions
- Identify red flags, discrepancies, and potential fraud indicators
- Ensure compliance with regulatory and internal underwriting guidelines
- Coordinate with processing, operations, and business teams for case resolution
- Maintain accurate underwriting documentation and audit-ready records
- Achieve productivity, accuracy, and turnaround time (TAT) targets
