Role & responsibilities

- Candidate should have minimum 5 years of UW experience
- Well versed with FNMA. FHLMC and investor guidelines, able to review and locate exact guidelines for decision making
- Should have good analytical and problem-solving skills
- Manage end-to-end underwriting processes, primarily focusing on conventional loans, Closed End Second and VA IRRRL
- Accurately calculate different Income types such as Salaried, Self-Employment, other income and rental income for loan decisioning
- Should have decision-making skill when applying in business judgment based on Underwriting review
- Evaluate complete loan documents and should provide approval or denial decision
- Complete review of credit report to verify trade lines, derogatory accounts, public records and credit reconciliation, calculate HTI/DTI




- Complete review of Collateral and property valuation to identify physical and market conditions of property
- Assets verification includes borrowers bank account statement, retirement accounts, mutual funds and other investments. Identify red flags, large deposits, regular deductions on bank statement
- Apply expertise in the 4Cs of underwriting (Credit, Capacity, Collateral, and Capital)
- Evaluating evidence of borrowers willingness and ability to repay the obligation
- Positive communication, Presentation skills, Self-motivated and hard working
- Able to review investor guidelines (Allregs – FNMA & Freddie) and client overalls

Preferred candidate profile

Immediate Joiners Only

📌 Underwriter/ Senior Underwritier (Tamil Nadu)
🏢 Moder Solutions
📍 Tamil Nadu