Job Summary

US Mortgage Underwriter is 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 sound underwriting decisions in a fast-paced environment.

Key Responsibilities

- Review and underwrite Conventional, Non-QM, and DSCR, bank statement, P&L; 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 clear underwriting conditions and resubmitted documentation.

- Collaborate 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 up to date with mortgage products, investor requirements, and regulatory changes.

Qualifications

- 2–5 years of US mortgage underwriting experience, including Conventional and/or Non-QM loan products.





- Robust knowledge of Fannie Mae, Freddie Mac, Non-QM, and DSCR underwriting guidelines.

- Experience with income analysis, risk assessment, and mortgage compliance requirements.

- Proficiency with Loan Origination Systems (LOS), Automated Underwriting Systems (DU/LP), and document management systems.

- Strong analytical, decision-making, and communication skills.

- Ability to manage multiple loan files and meet deadlines in a high-volume environment.

- Exposure to underwriting tools (LOS) such as Encompass, CalyxPath, etc

Additional Information

- Shift: US Rotational Night Shifts

- Work Mode: Work from Office for the first 6 months, followed by Work from home.

Pay: ₹33,000.00 - ₹80,000.00 per month

Application Question(s)

- 1.

Do you have 2–5 years of hands-on experience in US Mortgage Underwriting, including Conventional and Non-QM loan products?

- 1.

Do you have practical experience underwriting DSCR, Bank Statement, P&L;, 1099, or other alternative documentation mortgage loans?

- 1.

Are you proficient in using underwriting systems/tools such as DU/LP and LOS platforms like Encompass or CalyxPath?

Education

- Bachelor's (Required)

Experience

- of US mortgage underwriting : 2 years (Required)

Work Location: In person

📌 Operations Executive (US Mortgage Underwriter) (Kochi)
🏢 JD Group
📍 Kochi