Hiring for US Mortgage/Underwriting/Live Underwriting.
Work Mode: Work from Office for the first 6 months followed by Work at home.
Location : Kochi

Permanent work from home. Excellent communication is required.
Work from home - Immediate joining is required. Only Immediate joining is required. Minimum 2+ yrs of Experience is mandatory in US under writing in Live Underwriting only Salary up to 10 lpa
Rotational Shift. 2 days rotational off. Graduation is mandatory Immediate joiner required Note:
UG is mandatory
Immediate joiner
Maximum Salary band for L2: 4 LPA-10 LPA, based on last salary, experience, and submitted proof.
Adaptable to work under Rotational Shift - US Rotational Night Shifts
Joining Bonus : Upto Rs 1,00,000/- (Applicable to immediate joiners only, subject to the terms and conditions)

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 explicit 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
25 years of US mortgage underwriting experience, including Conventional and/or Non-QM loan products.
Strong 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.
Solid 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
Please call Raghu 91761 88282 for more Info

Regards

raghu

91761 88282

📌 6 Mon Wfo Kochi, Permanent Wfh Us Mortgage/underwriting (India)
🏢 Creative Hands HR
📍 India