Job Details:
Job Title: US Mortgage Underwriter (Conventional & Non-QM)
Work Location: Navi Mumbai
Work Mode: Work from Office
Shift: US Rotational Night Shifts
Qualification: Graduation (UG) is Mandatory
Joining: Immediate Joiners & 1 month Notice period Preferred

Key Responsibilities:
Underwrite Conventional, Non-QM, and DSCR mortgage loan applications.
Analyze borrower income, assets, credit, employment, and collateral.
Evaluate alternative documentation loans (Bank Statement, Asset Depletion, 1099, ITIN, and P&L; Only).
Ensure compliance with Fannie Mae, Freddie Mac, investor, company, and regulatory guidelines.
Review and transparent underwriting conditions and resubmitted documents.
Coordinate with processors, loan officers, brokers, and internal teams to support timely loan decisions.

Required Skills:
2+ years of US Mortgage Underwriting experience.
Solid experience in Conventional, Non-QM, and/or DSCR underwriting.
Knowledge of Fannie Mae, Freddie Mac, DU/LP, mortgage compliance, and risk assessment.
Hands-on experience with Loan Origination Systems (LOS) such as Encompass, CalyxPath, or similar platforms.
Solid analytical, decision-making, and communication skills.

📌 Us Mortgage Underwriter Navi Mumbai
🏢 Visara Human Capital Services
📍 Navi Mumbai