US Mortgage Underwriting

Hiring for Live Underwriter - WFO

• Location - Pune

• Shift: US Night shift

• Notice Period : Immediate Joiners

• Package : ctc upto - 12 Lpa ( Based on current ctc 30% hike)

Requirements

• Minimum 2+ years of Mortgage Underwriting experience.

• Minimum 1+ year of Live Underwriting / Final Approval experience.

• Strong knowledge of FNMA, FHLMC, and investor-specific underwriting guidelines.

• Familiarity with GNMA, FHA, and VA guidelines is an added advantage.

Key Responsibilities

• Perform income analysis from salaried, self-employed (business), rental, and other sources, including complex tax documents such as 1040s, Schedule E, K1s, 1120, 1120S, and transcripts.

• Perform Live Underwriting and issue Conditional Approvals, Final Approvals, and Clear-to-Close (CTC) decisions for U.S. residential mortgage loans.

• Review and underwrite mortgage loan files in compliance with FNMA, FHLMC, and investor-specific guidelines.

• Analyze borrower income from salaried, self-employed, rental, and other income sources, including tax documents such as 1040, Schedule E, K1, 1120, and 1120S.

• Review credit reports, liabilities, trade lines, public records, and payment history.

• Validate asset documentation, including bank statements, retirement accounts, and investment records.

• Review appraisal reports and collateral documentation to determine property eligibility and value.

• Make independent underwriting decisions (Approve, Deny, Suspend, or Counter) based on risk assessment and guideline requirements.

• Ensure regulatory compliance, quality standards, and adherence to turnaround time (TAT) metrics.

• Communicate underwriting decisions and conditions effectively with internal stakeholders and client

Interested Candidates contact HR Amruthavarsini @ 8828153744 \ amruthavarsini@careerguideline.com