Key Responsibilities:

- Underwrites mortgage loan applications and evaluates loans in order to maximize organizational profit and minimize risk or loss
- Overseeing team s responsibility to ensure all documentation meets program and AUS requirements
- Reviews and validates income and asset documentation
- Reviews AUS findings
- Issues underwriting decision and notifications of explicit to close
- Reviews all credit documentation
- Reviews and approves all Trusts
- Ensure adherence to any overlays
- Mortgage Insurance certs
- Issues Denials and 2nd tier manager reviews
- Suspend file if credit decisions are unable to be rendered
- Strong understanding of Desktop Underwriting DU and Loan Prospector LP
- Analyze Income employment credit strength property appraisal check over debt to Income DTI and Loan to value LTV and all other information pertinent to the credit decision process on each mortgage application as presented by the applicant
- Underwriter to validate that a prospective mortgagor s loan application adheres to the Investor s Secondary Investors Fannie Freddie and guidelines of applicable government agencies to approve the loan
- Analyzing the risk involved in approving a loan to determine whether it is acceptable to the Investor
- Cite defects for any deficiencies observed on the loan
- Maintaining service level standards
- Identify the training needs implement of trainings to the team




- Create KRA for the team to align with the process Objectives
- Review process compliance conduct internal governance for any internal regulatory audits PPM framework
- Supporting Team Leader and other Team Members to deliver the optimum level of output
- Adhering to all process deadlines
- Client Management

Technical Requirements:

- The ideal candidate should have 60 72 months of experience of independently underwriting residential mortgage loans expert analytical skills with DU LP experience
- Should have minimum 48 months of Underwriting Re underwriting Mortgage experience in Conventional FHA VA loans Government products
- May require a bachelor s degree in area of specialty or a graduation degree for India operations and High School Diploma for US Operations
- Familiar with standard mortgage concepts practices and procedures within a particular field
- Relies on limited experience and judgment to plan and accomplish goals
- Should have working knowledge with any Mortgage loan origination application
- Excellent mathematical and statistical aptitude
- High degree of creativity and latitude as expected
- Relies on extensive experience and judgment to plan and accomplish goals
- Performs a variety of tasks

Additional Responsibilities:

- Night Shift
- Any Graduate

📌 US Mortgage (India)
🏢 Infosys BPM
📍 India