3+years exp

location pune/chennai

JD

QA Underwriting

mortgage underwriting, pre-underwriting, credit analysis

FNMA,FHLMC,GNMA Guidelines.

works as a Mortgage Underwriter / Pre-Underwriter / Credit Analyst responsible for reviewing loan files and determining whether a borrower qualifies for a home loan based on the 4Cs of underwriting

Character Borrowers credit behavior

2. Capacity Borrowers income & ability to repay

3. Capital Assets, savings, reserves

4. Collateral Property value & appraisal

They analyze all documents and decide Approve / Deny / Add Conditions.

QA Underwriting Job Description

Domain: Insurance Underwriting

QA Underwriting (Insurance Domain) Job Description

Job Title: QA Analyst – Underwriting

Experience: 3–

We are looking for a skilled QA Analyst with strong experience in the Insurance Underwriting domain. The candidate will be responsible for testing underwriting systems, validating risk assessment workflows, and ensuring compliance with business rules, rating logic, and regulatory guidelines.

Key Responsibilities

Functional Testing (Underwriting)

Understand and validate Underwriting rules, risk assessment logic, and rating calculations.

Test quote generation, policy issuance, endorsements, renewals, and cancellations.

Validate workflows for Commercial / Personal Lines (Auto, Property, GL, Life — based on requirement).

Perform User Acceptance Testing (UAT) with business teams.





Identify gaps in underwriting guidelines and system rules.

QA & Testing Activities

Prepare test plans, test scenarios, test cases, and RTM.

Execute manual testing and document defects with clear steps.

Perform API testing (Postman/Swagger) if required.

SQL Queries for backend validation (optional but preferred).

Test integration between policy admin systems, third-party data sources (e.g., credit score, claims history, risk data).

Ensure the system follows regulatory and compliance requirements.

Tools

JIRA / ALM / Azure DevOps – for test management and defect tracking.

Postman – API testing.

SQL – data validation.

Policy Admin Systems (Guidewire PolicyCenter, Duck Creek, Sapiens – optional).

Required Skills

Strong understanding of Insurance Underwriting process.

Experience in insurance lifecycle: Quote Bind Issue Endorse Renew Cancel.

Valuable knowledge of risk evaluation factors (location, exposure, claims history, credit score).

Ability to understand complex business rules and translate them into test scenarios.

Strong communication skills for coordination with Underwriters & Business Analysts.

Ability to identify defects related to underwriting logic and data mismatches.

Good to Have

Experience with Guidewire PolicyCenter or other PAS.

Knowledge of Automation (Selenium/Java/Cypress) – optional.

Exposure to Agile/Scrum environment.

Insurance certifications (AINS/AIC/INS or equivalent).

📌 Analyst Underwriting domain mortgage loan (Pune)
🏢 Cloudxtreme
📍 Pune