6 mon office -Kochi ,permanent WFH - US Mortgage / Underwriting

Hiring for US Mortgage/Underwriting/Live Underwriting.

• Work Mode: Work from Office for the first 6 months followed by Work at home.
• Location : Kochi

Permanent work from home.

Excellent communication is required.

Work from home - Immediate joining is required.

Only Immediate joining is required.

Minimum 2+ yrs of Experience is mandatory in US under writing in Live Underwriting only

Salary up to 10 lpa

Rotational Shift. 2 days rotational off.

Graduation is mandatory

Immediate joiner required

Note:

• UG is mandatory
• Immediate joiner
• Maximum Salary band for L2: 4 LPA-10 LPA, based on last salary, experience, and submitted proof.
• Flexible to work under Rotational Shift - US Rotational Night Shifts
• Joining Bonus : Upto Rs 1,00,000/- (Applicable to immediate joiners only, subject to the terms and conditions)

Key Responsibilities

• Review and underwrite Conventional, Non-QM, and DSCR, bank statement, P&L mortgage loans.
• Analyze borrower income, assets, credit, employment, and collateral to assess eligibility and risk.
• Evaluate alternative documentation loans, including bank statement, asset depletion, 1099 income, ITIN, and P&L-only programs.
• Ensure compliance with agency, investor, company, and regulatory guidelines.
• Issue approvals, conditions, suspensions, or denials based on underwriting standards.
• Review and clear underwriting conditions and resubmitted documentation.
• Collaborate with loan officers, processors, brokers, and internal teams to support timely loan decisions.
• Maintain accurate underwriting records and support quality control and audit processes.
• Stay up to date with mortgage products, investor requirements, and regulatory changes.

Qualifications

• 25 years of US mortgage underwriting experience, including Conventional and/or Non-QM loan products.
• Strong knowledge of Fannie Mae, Freddie Mac, Non-QM, and DSCR underwriting guidelines.
• Experience with income analysis, risk assessment, and mortgage compliance requirements.
• Proficiency with Loan Origination Systems (LOS), Automated Underwriting Systems (DU/LP), and document management systems.
• Strong analytical, decision-making and communication skills.
• Ability to manage multiple loan files and meet deadlines in a high-volume environment.
• Exposure to underwriting tools (LOS) such as encompass, calyxpath etc

Please call Raghu [phone removed] for more Info

Regards

raghu [phone removed]