Senior Mortgage Underwriter

We are seeking an experienced Senior US Mortgage Underwriter to join our team. The role involves independently reviewing, analyzing, and validating mortgage applications while ensuring compliance with established guidelines and policies. The ideal candidate should have a strong understanding of US mortgage processes, excellent analytical skills, and the ability to work in a fast-paced, deadline-driven environment.

Key Responsibilities

Conduct detailed Loan Application reviews to assess borrower eligibility and risk.

Perform AUS Review (Automated Underwriting System) to validate accuracy and compliance.

Analyze Credit Reports, Credit Supplements, and Liability documentation.

Carry out Ratio Calculations (DTI, LTV, HCLTV) to assess borrower affordability.

Verify Employment history and perform thorough Income Calculations including salary, self-employment, and other income sources.

Review Title Verification, Appraisal, Insurance, and Tax Certificates for accuracy and completeness.

Assess borrower’s Net Worth including Bank Statements, Retirement Accounts, and Mutual Funds .

Ensure compliance with Guideline Analysis and assess Reserve Requirements .

Identify risks, escalate exceptions, and provide final underwriting decisions.

Maintain high levels of accuracy, efficiency, and adherence to SLA / TAT.

Desired Skills & Qualifications

Bachelor’s degree or equivalent experience.

4–8 years of proven US mortgage underwriting experience with strong credit risk assessment background.

In-depth knowledge of Fannie Mae, Freddie Mac, FHA, and VA guidelines .

Strong proficiency in AUS systems, mortgage software, and MS Office tools .

Excellent analytical, decision-making, and documentation skills.

Strong communication skills with ability to explain complex decisions to internal stakeholders.

Flexibility to work night shifts / 24x7 environment as per business requirements.

Key Competencies

Attention to detail and accuracy.

Strong problem-solving and critical-thinking skills.

Ability to manage high-volume underwriting in a fast-paced environment.

Collaborative team player with mentoring and leadership potential.