Job Description

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

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Location: Kochi, Kerala

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

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Experience: 2–5 Years | US Mortgage Underwriting

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Vacancies: 35

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CTC: ₹10 LPA depends on experience

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Joining Bonus: Up to ₹1,00,000*

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Joining Date: 5 October 2026

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Shift: US Rotational Night Shifts

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ABOUT THE ROLE

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

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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.

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

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KEY RESPONSIBILITIES

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- Underwrite Conventional, Non-QM, DSCR, Bank Statement and P&L-based; mortgage loans.
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- Analyze borrower income, assets, credit, employment and collateral to determine eligibility and risk.
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- Evaluate alternative-income documentation, including Bank Statements, Asset Depletion, 1099, ITIN and P&L-only; programs.
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- Apply Fannie Mae, Freddie Mac, Non-QM, DSCR and investor-specific underwriting guidelines.
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- Review loan documentation and issue appropriate Approvals, Conditions, Suspensions or Denials.
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- Review and clear underwriting conditions and resubmitted documentation.
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- Collaborate closely with Loan Officers, Processors, Brokers and internal teams to ensure timely loan decisions.
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- Maintain accurate underwriting records and support quality control, compliance and audit requirements.
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- Stay updated on changes in mortgage products, investor requirements and underwriting guidelines.
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WHAT WE'RE LOOKING FOR

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- 2–5 years of relevant US Mortgage Underwriting experience.
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- Strong experience in Conventional and/or Non-QM underwriting.
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- Good knowledge of Fannie Mae, Freddie Mac, Non-QM and DSCR guidelines.
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- Solid understanding of income analysis, credit risk, assets and mortgage compliance.
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- Hands-on experience with Loan Origination Systems (LOS) and Automated Underwriting Systems (DU/LP).
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- Experience with LOS platforms such as Encompass, Calyx Point or similar systems.
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- Strong analytical, decision-making and communication skills.
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- Ability to manage multiple loan files while maintaining accuracy, quality and turnaround time.
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- UG qualification is mandatory.
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WHY JOIN?

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Opportunity to work on US mortgage underwriting operations

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Strong career growth within a high-volume mortgage environment

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Competitive compensation up to ₹10 LPA

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Joining bonus up to ₹1 lakh for eligible immediate joiners*

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Work from Home after 6 months

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IMPORTANT DETAILS

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Immediate Joiners Preferred

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- Candidates should be available to join on or before 5 October 2026.
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- Willingness to work in US rotational night shifts is mandatory.
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- Initial 6 months – Work from Office, Kochi
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- Thereafter – Work from Home, subject to company policy.
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- Salary will be determined based on experience, current/last CTC and supporting documentation.
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- Joining bonus is applicable to eligible immediate joiners and is subject to company terms and conditions.
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Interested candidates can share their updated CV to [email protected] with the subject: "US Mortgage Underwriter – L2 | Kochi

📌 US Mortgage Underwriter (Kochi)
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