Job Title: Underwriter – US Mortgage
Experience: 2+ Years
Job Summary:
We are looking for a detail-oriented and experienced Underwriter with 2+ years of experience in US Mortgage underwriting. The candidate should have strong expertise in US Residential Mortgage, Live Underwriting, and a solid understanding of the 4 C's of credit. The role involves assessing borrower risk, analyzing loan applications, and ensuring compliance with US mortgage guidelines.
Key Responsibilities:
- Perform underwriting for US Residential Mortgage loan files.
- Analyze borrower profiles based on income, credit, assets, and property details.
- Conduct Live Underwriting by interacting with clients or internal teams in real-time.
- Evaluate loan eligibility using the 4 C's (Credit, Capacity, Capital, Collateral).
- Review documentation including credit reports, income proofs, bank statements, and appraisals.
- Ensure compliance with US mortgage guidelines (Fannie Mae, Freddie Mac, FHA, VA).
- Identify and mitigate risk while making sound underwriting decisions.
- Maintain quality and turnaround time (TAT) standards.
- Communicate loan decisions clearly with stakeholders.
Required Skills:
- Strong experience in US Mortgage and US Residential Mortgage underwriting
- Hands-on experience in Live Underwriting
- Good understanding of the 4 C's of Credit
- Knowledge of US mortgage guidelines (Agency & Non-Agency)
- Ability to analyze financial documents and risk factors
- Strong decision-making and problem-solving skills
- Excellent communication and analytical skills
