US Mortgage Underwriter – Senior Associate L2
We are hiring for the role of Senior Associate – Trans-Processing (L2) for a US Mortgage Underwriting process at our Kochi location.
This opportunity is suitable for candidates with relevant experience in US Mortgage Underwriting / Mortgage Processing / Underwriting Support, especially in Conventional, Non-QM, and DSCR loan products.
Job Details
Job Title: US Mortgage Underwriter – Conventional & Non-QM
Role: Senior Associate – Trans-Processing L2
Location: Kochi
Work Mode: Work from Office
Shift: US Rotational Night Shifts
Experience Required: 2–5 Years
Salary Range: ₹4 LPA – ₹9 LPA
Openings: 65
Joining: Immediate joiners preferred
Qualification: Undergraduate degree is mandatory
Job Summary
The US Mortgage Underwriter will be responsible for evaluating and underwriting residential mortgage loan applications, including Conventional, Non-QM, and DSCR products. The role involves assessing borrower eligibility, analyzing risk, ensuring compliance with investor and regulatory guidelines,



and making accurate underwriting decisions in a quick-paced workplace.
Key Responsibilities
Review and underwrite Conventional, Non-QM, and DSCR mortgage loans.
Analyze borrower income, assets, credit, employment, and collateral to assess eligibility and risk.
Evaluate alternative documentation loans including Bank Statement, Asset Depletion, 1099 Income, ITIN, and P&L-only; programs.
Ensure compliance with agency, investor, company, and regulatory guidelines.
Issue approvals, conditions, suspensions, or denials based on underwriting standards.
Review and transparent underwriting conditions and resubmitted documentation.
Coordinate with loan officers, processors, brokers, and internal teams to support timely loan decisions.
Maintain accurate underwriting records and support quality control and audit processes.
Stay updated with mortgage products, investor requirements, and regulatory changes.
Required Skills & Qualifications
2–5 years of relevant

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