Underwriter

Analyst / Senior Analyst Mortgage Processing (Underwriting)

Function: Operations | Domain: US Mortgage Underwriting

Experience Level: 6 months 2+ years

Role Summary

US Mortgage Underwriting professional with hands-on experience in reviewing the 4 C's of Underwriting (Credit, Capacity, Capital, and Collateral) in accordance with Fannie Mae, Freddie Mac, and client-specific guidelines. Skilled in loan eligibility assessment, underwriting quality checks, and risk evaluation to ensure accurate, compliant underwriting decisions.

Key Responsibilities

• Performed Quality Checks on Origination Underwriting files using effective sampling methods to assess production quality and identify improvement areas.
• Reviewed and analyzed the 4 C's of Underwriting to determine borrower eligibility and recommend loan decisions.

Credit Evaluation

• Verified borrower details including Name, SSN, Credit Score, Public Records, Credit Inquiries, Address Discrepancies (last 24 months), and additional SSN alerts.
• Reconciled liabilities from credit reports.
• Reviewed mortgage payment history and identified any late payments within the last 12 months.

Capacity (Income Analysis)

• Calculated Salaried Income using Pay Stubs, W-2s, and Verification of Employment (VOE).
• Analyzed Self-Employed Income using IRS Tax Returns (Form 1040).
• Evaluated Other Income sources based on supporting documentation.
• Ensured accurate Debt-to-Income (DTI) calculations.

Capital (Assets Review)

• Reviewed and validated borrower asset statements.
• Calculated available assets to assess overall financial strength of the borrower.

Collateral (Property Review)

• Reviewed Appraisal Reports for accuracy and guideline compliance.
• Assessed property value and eligibility as acceptable collateral.
• Recommended final underwriting decisions based on complete risk assessment.
• Communicated underwriting findings and conditions with internal teams and stakeholders.
• Adhered to internal quality standards and external client performance metrics.

Skills & Competencies

• Knowledge of the US Mortgage Loan Origination Cycle
• Understanding of Conventional Mortgage Guidelines (FNMA / FHLMC)
• Strong analytical, decision-making, and problem-solving skills
• High attention to detail and quality orientation
• Good written and verbal communication skills
• Customer-focused with strong stakeholder coordination abilities
• Proficient in MS Word, Excel, and PowerPoint

Education

• Minimum: HSC (12th Pass)
• Preferred: Any Graduation

Professional Values

• Takes initiative and adapts to changing business requirements
• Demonstrates execution excellence and accountability
• Maintains agility and continuous learning mindset
• Prioritizes customer and client satisfaction
• Acts with integrity, transparency, and professionalism
• Works respectfully and collaboratively with teams