WE'RE HIRING | US MORTGAGE UNDERWRITER – L2 for a Leading IT/ITES firm.

Location: Kochi, Kerala

Work Mode: Work from Office for the first 6 months → Work from Home thereafter

Experience: 2–5 Years | US Mortgage Underwriting

Vacancies: 35

CTC: ₹10 LPA depends on experience

Joining Bonus: Up to ₹1,00,000*

Joining Date: 5 October 2026

Shift: US Rotational Night Shifts

ABOUT THE ROLE

We are looking for experienced US Mortgage Underwriters to join our L2 underwriting team in Kochi.

The role involves evaluating residential mortgage loan applications, assessing borrower eligibility and credit risk, reviewing income and assets, validating collateral, and ensuring compliance with agency, investor, and regulatory guidelines.

You will work across Conventional, Non-QM, DSCR and alternative-documentation mortgage products in a fast-paced, high-volume environment.

KEY RESPONSIBILITIES
Underwrite Conventional, Non-QM, DSCR, Bank Statement and P& L-based mortgage loans. Analyze borrower income, assets, credit, employment and collateral to determine eligibility and risk.



Evaluate alternative-income documentation, including Bank Statements, Asset Depletion, 1099, ITIN and P& L-only programs. Apply Fannie Mae, Freddie Mac, Non-QM, DSCR and investor-specific underwriting guidelines. Review loan documentation and issue appropriate Approvals, Conditions, Suspensions or Denials. Review and clear underwriting conditions and resubmitted documentation. Collaborate closely with Loan Officers, Processors, Brokers and internal teams to ensure timely loan decisions. Maintain accurate underwriting records and support quality control, compliance and audit requirements. Stay updated on changes in mortgage products, investor requirements and underwriting guidelines. WHAT WE'RE LOOKING FOR
2–5 years of relevant US Mortgage Underwriting experience. Strong experience in Conventional and/or Non-QM underwriting. Valuable knowledge of Fannie Mae, Freddie Mac, Non-QM and DSCR guidelines. Strong un

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