(12 / 10 / 2025) Underwriter

Full Job Description

Position Summary :

The Mortgage underwriting associate evaluate and determine the eligibility of loan applications

of residential mortgage (1-4 family) loans. Mortgage underwriting associate role includes but

not limited to analyzing and verifying loan applications, review of all 4 C’s, evaluating risks, and making loan eligibility decisions.

The incumbent ensures the accurate, efficient, and timely flow of information / documentation

for offering quality and efficient services.

Responsibilities :

 Knowledge of mortgage underwriting and Agency automated underwriting systems

 Demonstrate a full understanding of agency guidelines as well as posted Lender internal

guidelines

 Review all mortgage applications and documentation for accuracy and completeness

 Review and be able to complete a full analysis of all types of income

(Self / Rental / Wage / etc), Assets, Liabilities, Credit and Collateral.

 Analyze credit, income, and assets on a loan-by-loan basis to properly assess individual

risk, and promptly provide underwriting decisions to Mortgage Originators

 Review property documentation including title commitments, sales contracts, insurance,

and flood determinations

 Maintain a well-developed knowledge of loan product guidelines and industry

regulations, including assisting in the prevention, detection, and resolution of mortgage

fraud

 Review and analyze appraisals for value and compliance with industry requirements

 Demonstrate the ability to independently make sound decisions based on the

creditworthiness of the applicants based on established underwriting guidelines,

policies, procedures, knowledge, and experience

 Provide exceptional customer care (both internal and external) in a manner that

satisfies the individual needs of each customer and builds loyalty to the client

 Maintain confidentiality of all customer and employee information

 Respond positively to feedback and redirection

 Fully utilize systems, tools, training, and resources provided to maximize potential

 Assist other departments as needed

 Meeting daily production.

 Meeting the daily SLA requirement

 Meeting the daily Quality requirements

Qualifications Education : Bachelors in any stream.

Experience : 2+ years’ increasingly responsible experience in related areas.

CTC : 12 Lacs

Work from home

Knowledge / Skills / Abilities :

 Experienced mortgage professional with 2-3 years with mortgage underwriting.

 Has a complete understanding of Conventional, FHA and VA underwriting guidelines.

 Has working knowledge of real estate lending criteria and federal, state, and agency

compliance

 Can multi-task and manage time efficiently

 Has strong organizational skills, attention to detail, and basic Microsoft Office skills

 Good analytical and problem-solving skills.

 Strong organization and verbal and written communications skills.

 Highly adaptive and open to changes as the organization grows and its needs evolve.