Company Name: VARITE India Private Limited

About The Client:

Client is a leading global provider of technology-enabled business process outsourcing solutions. The company provides omni-channel customer experience management, back office and technology services to corporations around the world across a range of industries. The company has more than 45,000 outsourcing experts across 54 delivery campuses worldwide that are committed to delivering transformative customer experience for clients.
About The Job:
- We are hiring Mortgage Underwriters with experience in Live Underwriting and/or Post Closing Underwriting Review within the US Mortgage domain.
- The candidate will be responsible for reviewing mortgage loan files, validating borrower eligibility, assessing risk, and ensuring compliance with agency, investor, and regulatory guidelines.
- The role requires robust expertise in income calculation, credit analysis, asset review, collateral evaluation, and mortgage documentation review.
- Candidates with exposure to post-closing audits, re-underwriting, quality reviews,



and compliance reviews are also encouraged to apply.

Essential Job Functions:

Live Underwriting
- Perform end-to-end underwriting of residential mortgage loan files.
- Review borrower credit, income, assets, collateral, and liabilities.
- Evaluate loan eligibility based on agency and investor guidelines.
- Analyze tax returns, W-2s, pay stubs, bank statements, appraisal reports, and other supporting documents.
- Calculate income and debt-to-income (DTI) ratios accurately.
- Identify and assess potential credit and compliance risks.
- Issue underwriting decisions, conditions, approvals, suspensions, or denials.
- Ensure adherence to applicable lending policies and mortgage regulations.
- Work closely with processors, closers, and operations teams for condition clearing and loan approvals.

Post Closing Underwriting / Review
- Conduct post-closing reviews of closed mortgage loan files.
- Re-underwrit

📌 Live Underwriting and/or Post Closing Underwriting Review (Bengaluru)
🏢 VARITE
📍 Bengaluru