Job Description Hiring: Mortgage Live Underwriter (L2 – Non-QM) | Mumbai
Salary: Up to ₹9.5 LPA + ₹50,000 Joining Bonus
If you have hands-on experience in Live Mortgage Underwriting with Non-QM loans, this is a great prospect to join a leading organization with competitive pay, fixed weekends off, and excellent advantages.
Position: Mortgage Live Underwriter (L2 – Non-QM)
Location: Mumbai
Work Mode: Work From Office
Experience Required

2 to 4 years of Live Mortgage Underwriting experience
Mandatory experience in Non-QM Underwriting

Key Responsibilities

Perform credit risk assessment using the 4Cs of Credit
Calculate income for Salaried and Self-Employed borrowers
Underwrite Bank Statement and Full Documentation loans
Evaluate loan eligibility and structure mortgage transactions
Review appraisal reports, title documents, lien positions, and ownership documents
Make underwriting decisions based on investor guidelines
Work on Encompass LOS
Coordinate with internal teams for timely loan processing

Required Skills

Non-QM Mortgage Underwriting (Mandatory)
Credit Risk Assessment
Income Calculation
Bank Statement Underwriting




Full Doc Underwriting
DSCR knowledge (Preferred)
Loan Structuring
Encompass LOS
Solid communication skills

Qualification

Higher Secondary (HSC) or Bachelor's Degree (Mandatory)

Compensation & Perks
CTC: Up to ₹9.5 LPA
Monthly In-hand Salary: ₹72,790
Monthly Performance Incentive: ₹2,750
Travel Allowance:

₹3,500 (Both Ways)
₹1,750 (One Way)
Joining Bonus: ₹50,000 after successful completion of 3 months

Shift Details

US Shift
Shift Window: 6:30 PM to 6:30 AM
Rotational 9-hour shift
Fixed Saturday & Sunday Off

Additional Benefits

15 days of company-sponsored accommodation for candidates relocating to Mumbai

Important Notes

Candidates from Andhra Pradesh are not eligible
SHL Assessment for outstation candidates will be conducted in Bangalore or Hyderabad

Interested candidates, please share your updated resume along with:
• Total Experience
• Non-QM Underwriting Experience
• Current CTC
• Expected CTC
• Notice Period
• Current Location
Email:

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