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.