Shift- Night Shift

Qualifications Education: Bachelors in any stream.

Responsibilities:

- Knowledge of mortgage underwriting and Agency automated underwriting systems
- Demonstrate a full understanding of agency guidelines as well as posted Lender internal guidelines
- Review all mortgage applications and documentation for accuracy and completeness
- Review and be able to complete a full analysis of all types of income (Self/Rental/Wage/etc), Assets, Liabilities, Credit and Collateral.
- Analyze credit, income, and assets on a loan-by-loan basis to properly assess individual risk, and promptly provide underwriting decisions to Mortgage Originators
- Review property documentation including title commitments, sales contracts, insurance, and flood determinations
- Maintain a well-developed knowledge of loan product guidelines and industry regulations, including assisting in the prevention, detection, and resolution of mortgage fraud
- Review and analyze appraisals for value and compliance with industry requirements
- Demonstrate the ability to independently make sound decisions based on the creditworthiness of the applicants based on established underwriting guidelines, policies, procedures, knowledge, and experience




- Provide exceptional customer care (both internal and external) in a manner that satisfies the individual needs of each customer and builds loyalty to the client
- Maintain confidentiality of all customer and employee information
- Respond positively to feedback and redirection
- Fully utilize systems, tools, training, and resources provided to maximize potential
- Assist other departments as needed
- Meeting daily production.
- Meeting the daily SLA requirement
- Meeting the daily Quality requirements
- Qualifications Education: Bachelors in any stream.

Knowledge/Skills/Abilities:

- Experienced mortgage professional with 4 years with mortgage underwriting.
- Has a complete understanding of Conventional, FHA and VA underwriting guidelines.
- Has working knowledge of real estate lending criteria and federal, state, and agency compliance
- Can multi-task and manage time efficiently
- Has strong organizational skills, attention to detail, and basic Microsoft Office skills
- Positive analytical and problem-solving skills.
- Strong organization and verbal and written communications skills.

Highly adaptive and open to changes as the organization grows and its needs

📌 Live underwriter- US Mortgage (Bengaluru)
🏢 Spotshine Consulting Delhi
📍 Bengaluru