US Mortgage Live Underwriting /WFH
Required Qualifications Skills
Experience -2+ year of US Live Underwriting experience
- Review mortgage applications and supporting Job Details
- Evaluate borrower eligibility based on credit, income, assets, employment, and collateral information.
- Perform detailed analysis of income and employment documentation (paystubs, W-2s, tax returns, VOEs, etc.) to determine qualifying income (if applicable).
- Assess borrower eligibility using the 4 Cs of Credit (Character, Capacity, Capital, Collateral).
- Validate assets for down payment, reserves, and closing costs, ensuring proper sourcing and seasoning.
- Review preliminary credit reports, identifying potential red flags such as undisclosed debts, inquiries, or inconsistent information.
- Ensure loans comply with company policies, investor guidelines and applicable regulations.
- Identify missing or incomplete documentation and condition files appropriately for further review.
- Communicate clearly with processors, loan officers, and other stakeholders regarding required documentation or issues found.
- Document findings, calculations, and justifications in the loan origination system (ZOS).
- Work closely with Back-End Underwriters to ensure smooth handoff of files for final review and decision.
Note : Immediate Joiners.
Hr Afreen
Contact ; 9603249769 (share resume through WhatsApp)
Mail ID: [Confidential Information]
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