Role/Skill: Mortgage Underwriter

Location: Pune

Experience: 6-12 years in Mortgage Underwriting Domain

Skill Set: Mortgage Underwriter - End-to-End

Shift: US Shifts

Band: BPO 2/3/4

Salary: Up to 12 LPA

Ex TCS Employees can't apply

The Mortgage QC Underwriter is responsible for rendering QC on closed loan files. He has to check that credit decisions

supporting documentation as submitted by applicants.

+ 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

Investors (Freddie or Fannie Mae’s) and guidelines of applicable government agencies to approve

the loan.

+ Analyzing the risk involved in approving a loan to determine whether or not it is acceptable to the

lender.

+ Mark errors for any deficiencies observed on the loan

+ Verify accuracy of supporting employment documents, source of down payment/reserves, appraisal

value and property title commitment received.

+ Review of legal documents, if present,



to ensure the accuracy & completeness.

+ Identify the mortgage insurance requirement (MI) and follow the MI guidelines, if applicable.

Additional responsibilities for the Mortgage Underwriter include:
- Maintaining service level standards
- Assisting in new-hire trainings
- Perform internal Quality check, providing floor support and feedback to other staff
- Adhering to all underwriting deadlines

Person Specification

Knowledge/Experience:
- Minimum 6-12 years of conventional mortgage underwriting/QA/QC experience
- Knowledge of full loan cycle (from beginning to end)
- Strong understanding of Desktop Underwriter (DU) and Loan Prospector (LP)

Competencies/Skills:
- Strong communication skills, verbal and written
- Robust analytical skills
- Demonstrated ability to resolve complicated issues as they arise
- Proven organizational skills and demonstrated ability to prioritize and multi-task

Skills. Able to

📌 Us Mortgage Underwriter (Pune)
🏢 Gratitude India
📍 Pune