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

Key Competencies