Key Responsibilities

Live Underwriting

- Review and analyze mortgage loan applications.
- Evaluate borrower eligibility based on agency and investor guidelines.
- Assess income, assets, credit, collateral, and overall risk.
- Make credit decisions and provide underwriting conditions.
- Ensure compliance with FHA, VA, Conventional, Fannie Mae, Freddie Mac, and Non-QM guidelines.

Pre-Underwriting

- Conduct detailed review of loan files prior to underwriting.

- Calculate and validate

- Income Calculation
- Debt-to-Income (DTI)
- Loan-to-Value (LTV)
- PITI (Principal, Interest, Taxes & Insurance)

- Asset Analysis

- Credit Analysis

- Credit Report Review
- Verify documentation accuracy and identify missing requirements.




- Support underwriting teams in achieving quality and productivity targets.

Required Skills
- Experience in US Mortgage Underwriting or Pre-Underwriting.

- Solid understanding of

- Income Calculation
- DTI & LTV Calculation

- Asset Review

- Credit Analysis

- Credit Bureau Reports

- AUS Tools (DU/LP)

- Agency Guidelines
- Good communication and analytical skills.
- Ability to work in a fast-paced environment.

Experience
- 2 to 10 Years in US Mortgage Operations
- Candidates with experience in Live Underwriting, Credit Decisioning, Income Calculation, Asset Analysis, or Pre-Underwriting preferred.

📌 Walk-in || Live Underwriter / Pre-Underwriter - US Mortgage (Chennai)
🏢 Wipro
📍 Chennai