13 Cre Underwriting Jobs

Urgent Hiring Live Underwriter ( US Mortgage Live Underwriting experience with 4Cs is Mandatory ) If Interested share CV mohini.sharma@adecco.com OR Call 9740521948 Working Shifts : Only Night Shifts Work Location: Remote Work If Interested share resume on neeta.yadav@adecco.com or Connect on 6364920546. Job Overview : - A Live Underwriter in U.S. mortgages evaluates loan applications, assesses borrower risk, and ensures compliance with lending guidelines (FHA, VA, Conventional, etc.). They review income, credit, assets, and property details to approve, suspend, or deny loans while working with loan officers and processors. Key Responsibilities: Loan Evaluation & Decision-Making Review and analyze mortgage loan applications for eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines. Assess borrower creditworthiness by thoroughly reviewing credit history, income, assets, and collateral (4Cs of Underwriting). Ensure loan documentation adheres to HUD, investor, and company guidelines to mitigate risk. Make independent underwriting decisions on loan approvals, suspensions, or denials based on risk assessment. Compliance & Risk Management Ensure compliance with federal, state, and company lending regulations to minimize potential risks. Maintain thorough documentation of underwriting decisions for audit purposes . Identify and report potential fraud or red flags to management and compliance teams. Process Optimization & Collaboration Work closely with loan processors, advisors, and management to resolve escalations and streamline the underwriting process. Provide guidance to internal teams on best underwriting practices and regulatory changes. Manage loans efficiently using Encompass and other underwriting tools. Quality Assurance & Customer Service Ensure timely completion of underwriting reviews while maintaining high-quality standards. Communicate underwriting decisions clearly and professionally with stakeholders. Continuously seek opportunities for process improvements to enhance efficiency. Qualification & Experience Candidate must have experience in live underwriting & Real Time Analysis. Excellent at Income Calculation and Debt-to-Income(DTI) Ratio Calculation. Expertise in 4C's framework (Credit, Capacity, Collateral and Capital), Familiar in Credit report Analysis & LOX (Letter of Explanation). Knowledge on Residential Mortgage- Credit Bureau, Documents to approve the loan, Familiar with different account types. Degree or Equivalent Minimum 2 years of experience in conventional/govt end to end underwriting. Well-versed with all 4Cs of Underwriting (Asset, Income, Credit and Collateral)

Role- Live Underwriter ( US Mortgage Live Underwriting experience with 4Cs is Mandatory ) Working Shifts : Only Night Shifts Work Location: Remote Work If Interested share resume on neeta.yadav@adecco.com or Connect on 6364920546. Job Overview : - A Live Underwriter in U.S. mortgages evaluates loan applications, assesses borrower risk, and ensures compliance with lending guidelines (FHA, VA, Conventional, etc.). They review income, credit, assets, and property details to approve, suspend, or deny loans while working with loan officers and processors. Key Responsibilities: Loan Evaluation & Decision-Making Review and analyze mortgage loan applications for eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines. Assess borrower creditworthiness by thoroughly reviewing credit history, income, assets, and collateral (4Cs of Underwriting). Ensure loan documentation adheres to HUD, investor, and company guidelines to mitigate risk. Make independent underwriting decisions on loan approvals, suspensions, or denials based on risk assessment. Compliance & Risk Management Ensure compliance with federal, state, and company lending regulations to minimize potential risks. Maintain thorough documentation of underwriting decisions for audit purposes . Identify and report potential fraud or red flags to management and compliance teams. Process Optimization & Collaboration Work closely with loan processors, advisors, and management to resolve escalations and streamline the underwriting process. Provide guidance to internal teams on best underwriting practices and regulatory changes. Manage loans efficiently using Encompass and other underwriting tools. Quality Assurance & Customer Service Ensure timely completion of underwriting reviews while maintaining high-quality standards. Communicate underwriting decisions clearly and professionally with stakeholders. Continuously seek opportunities for process improvements to enhance efficiency. Qualification & Experience Candidate must have experience in live underwriting & Real Time Analysis. Excellent at Income Calculation and Debt-to-Income(DTI) Ratio Calculation. Expertise in 4C's framework (Credit, Capacity, Collateral and Capital), Familiar in Credit report Analysis & LOX (Letter of Explanation). Knowledge on Residential Mortgage- Credit Bureau, Documents to approve the loan, Familiar with different account types. Degree or Equivalent Minimum 2 years of experience in conventional/govt end to end underwriting. Well-versed with all 4Cs of Underwriting (Asset, Income, Credit and Collateral)

Role- Live Underwriter ( Experience with 4Cs Framework/UW guidelines/non-QM UW ) US Mortgage Process NIGHT SHIFT / 5 Days Working / WORK FROM HOME Interested Candidates Can Call on -6364920550 Interested Candidates Can Send their Cvs on - garima.sharma@adecco.com Role & Responsibilities Live Underwriter: - A Live Underwriter in U.S. mortgages evaluates loan applications, assesses borrower risk, and ensures compliance with lending guidelines (FHA, VA, Conventional, etc.). They review income, credit, assets, and property details to approve, suspend, or deny loans while working with loan officers and processors. Must have training experience of handling small to large size batches. • Train staff on the basics of US mortgage industry and cover functional aspects of Loan Originations, Underwriting, Closing and Post closing, Servicing, Default Servicing and Title Industry. • Come with deep knowledge in the loan processing and pre-underwriting domain. • Trainee staff on loan processing concepts that includes reviewing 1003, identifying and understanding the initial submission of documents. • Expertise in training Underwriting concepts such as reviewing eligibility across Income, Credit, Collateral analysis, Assets. • Have wide knowledge of loan conditions and the supporting information or document to remediate those conditions. • Must be aware of and be able to train staff on compliance, regulatory standards and guidelines.

Role- Live Underwriter ( Experience with 4Cs Framework/UW guidelines/non-QM UW ) US Mortgage Process Mandatory (Only Night Shifts) Work Location : Anywhere in India (Remote Work) Interview- Assessment/ Ops Round / HR Round Interested Immediate Connect- Siddhi 6366783349 (Call/Whatsapp) or email at siddhi.pandey@adecco.com Qualifications & Requirements: bachelors degree or Equivalent Experience 2 + Years of End-to-End Mortgage Underwriting Experience (Conventional/Government) Deep understanding of HUD, investor, and regulatory guidelines Proficiency in Encompass & other mortgage underwriting systems Strong analytical, decision-making, and problem-solving skills Ability to work in a fast-paced, high-volume environment without compromising accuracy Excellent communication & stakeholder management skills Job Overview Live Underwriter: - A Live Underwriter in U.S. mortgages evaluates loan applications, assesses borrower risk, and ensures compliance with lending guidelines (FHA, VA, Conventional, etc.). They review income, credit, assets, and property details to approve, suspend, or deny loans while working with loan officers and processors. Key Responsibilities: Loan Evaluation & Decision-Making Review and analyze mortgage loan applications for eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines. Assess borrower creditworthiness by thoroughly reviewing credit history, income, assets, and collateral (4Cs of Underwriting). Ensure loan documentation adheres to HUD, investor, and company guidelines to mitigate risk. Make independent underwriting decisions on loan approvals, suspensions, or denials based on risk assessment. Compliance & Risk Management Ensure compliance with federal, state, and company lending regulations to minimize potential risks. Maintain thorough documentation of underwriting decisions for audit purposes . Identify and report potential fraud or red flags to management and compliance teams. Process Optimization & Collaboration Work closely with loan processors, advisors, and management to resolve escalations and streamline the underwriting process. Provide guidance to internal teams on best underwriting practices and regulatory changes. Manage loans efficiently using Encompass and other underwriting tools. Quality Assurance & Customer Service Ensure timely completion of underwriting reviews while maintaining high-quality standards. Communicate underwriting decisions clearly and professionally with stakeholders. Continuously seek opportunities for process improvements to enhance efficiency.

Job Description A Commercial Real Estate (CRE) Underwriter plays a crucial role by underwriting at an advanced level of complexity for commercial portfolios. Provide guidance to structuring, servicing, and analysis for both new and renewal credits. The underwriter identifies, gathers, and reviews financial information to determine borrower risk ratings and appropriate loan structuring. Assess and communicate risks to assist department risk mitigation strategies. Products include lines of credit, term loans, real estate loans, and syndicated loans. Key Responsibilities Underwriting: Underwrites commercial credit actions according to applicable regulations, procedures, and guidelines Reviews financial statements, communicates with clients or prospects, and performs analysis to recommend borrower risk ratings and appropriate loan structuring Ensures all involved parties are updated on underwriting progress and outcome Analysis: Conduct thorough due diligence, including reviewing financial statements, property appraisals, rent rolls, and market studies Utilize various financial models and software to assess cash flow, debt service coverage ratios, loan-to-value ratios, and other key financial metrics Conduct cash flow analysis, sensitivity testing, and calculate DSCR/LTV/Debt Yield Sources, compiles, and interprets financial data to support structuring and approval of loans Reviews industry information and comparisons, key risks and mitigants, and collateral to form a general business overview of the borrower Utilizes results of analysis to underwrite commercial loans Valuation: Well versed in real estate valuation methods like Gross rent multiplier (GRM), Value per door and Cost per rentable square foot Risk Management: Evaluate borrower financials, guarantor liquidity, lease terms, and market conditions using third-party reports (appraisals, environmental assessments) Identifies risks through reviews, analysis, and research of new and existing commercial credit requests and relationships Works closely with Bank associates and partners to resolve risk issues, communicating review schedule and potential changes in the commercial portfolio Assists in coordinating review and renewal schedules for existing credits, facilitating ongoing risk identification and management Documentation and Compliance : Analyse loan agreements, covenants, and securitization documents for CMBS deals to ensure compliance. Prepare detailed credit memos and underwriting reports that summarize findings and provide recommendations for credit approval or denial. Ensure compliance with internal policies, regulatory guidelines, and industry standards throughout the underwriting process. Collaborate with legal and compliance teams to ensure all required documentation is complete, accurate, and properly filed. Client Interaction and Relationship Management: Work closely with loan officers, brokers, and clients to gather necessary information and clarify concerns during the underwriting process. Provide exceptional customer service by maintaining clear and effective communication with all stakeholders. Build and maintain strong relationships with clients, industry professionals, and internal teams to facilitate smooth transactions Qualification: Bachelor/master's degree in commerce, Finance & Accounting Minimum 2 to 4 years of relevant experience in CRE underwriting Willing to work in night shifts willing to work from office Interested candidate please share the profiles to priyadarshini.narayanan@cognizant.com

JOB DESCRIPTION - US MORTGAGE FINANCE - WFH About Us: Nexdigm is a multidisciplinary group that helps global organizations meet the needs of a dynamic business environment. Our focus on problem-solving, supported by our multifunctional expertise enables us to provide customized solutions for our clients. We provide an array of solutions encompassing Business Consulting, Business Services, and Professional Services. Our solutions help businesses navigate challenges across all stages of their life cycle. Through our direct operations in USA, India, and UAE, we serve a diverse range of clients, spanning multinationals, listed companies, privately owned companies, and family-owned businesses from over 50 countries. Our multidisciplinary teams serve a wide range of industries, with a specific focus on healthcare, food processing, and banking and financial services. Over the last decade, we have built and leveraged capabilities across key global markets to provide transnational support to numerous clients. From inception, our founders have propagated a culture that values professional standards and personalized service. An emphasis on collaboration and ethical conduct drives us to serve our clients with integrity while delivering high quality, innovative results. We act as partners to our clients and take a proactive stance in understanding their needs and constraints, to provide integrated solutions. Quality at Nexdigm is of utmost importance, and we are ISO/ISE 27001 certified for information security and ISO 9001 certified for quality management. We have been recognized over the years by global organizations, like the International Accounting Bulletin and Euro Money Publications. Our team provides you with solutions for tomorrow; we help you think next . To know more about us, visit www.nexdigm.com Job Description As a Credit analysis expert, you will be directly reporting to the Asset manager in US. Your responsibilities will include providing financial insights and projections to the Asset manager You will provide reliable data and analysis to be used in decision-making. You will assist in the drafting of credit memo, Loan Template, Property Template, credit report and performing analysis, identify action items, and effectively frame decisions that need to be made. Responsibilities Provide support to the Asset manager in setting up new investments into iLEVEL, drafting credit memos, credit reports, and analysis reports. Identify and understand business challenges; propose and create solutions. Evaluating third-party management company effectiveness; assessing whether managers oversight of financial performance and quality of resident care meet expectations Analysing census, operations, clinical and financial performance on an on-going basis Reviewing and assessing reasonability of annual operating and capital budgets On a quarterly basis, produce a portfolio variance summary report showing each Project and its operating performance relative to the corresponding Approved Budget Acting as project manager and serving as primary day-to-day liaison to third-party management companies and reporting to unit leader on their requests for working capital, capital improvement funds and approvals required under the management agreement. Following the completion of the calendar year, prepare and submit a year-end report that will include: The actual operating results for each Project, along with a written explanation of whether loan operations for the calendar year, in fact, met or exceeded the Approved Budget and A discussion regarding the Approved Budget as it relates to the anticipated operating performance for the upcoming year to facilitate Owners evaluation of the proposed Budget for the upcoming year Core Competencies: Service Orientation Should be aware of both - the internal as well as external customers and their needs; and is committed to meeting the customers evolving, long-term needs the focus is on SERVICE Result Orientation Should be able to direct efforts towards developing and implementing realistic action plans to meet business objectives; with a sense of urgency the focus is on achieving RESULTS Initiative One must not only understand and accept the responsibilities towards his/her job; but also proactively works towards identifying challenges and its resolution the focus is on seeking SOLUTIONS Professionalism Should have in-depth knowledge of all functions and displays not only required skill-set, but also ethics and integrity while conducting the job the focus is on PROFESSIONALISM Cooperation One must ensure completion of all tasks at hand and simultaneously extends support to team members and displays joint ownership towards achieving business objectives the focus is on TEAMWORK Communication/Feedback Should believe in providing feedback to other associates and receiving feedbacks to enhance performance, thereby meeting business objectives the focus is on OPEN COMMUNICATION Other Benefits: Medical Insurance (self-coverage): Includes Group Mediclaim policy and Group Personal Accident Policy. Long Term Investment & Engagement Plan: This is an employee incentive plan introduced to encourage, reward, and incentivize eligible employees towards long-term engagement, to optimize their performance and enable them to partake in the growth of the Organization and further its best interests. Transportation support: Bus facility (where available) is allocated to you based on your requirement and availability of seats. Focus on individual career growth: via career aspirations discussions, rewards & recognition, long service awards. Career Enhancement programs through Continuous Learning, Upskilling, and Training. Focus on Holistic Well-being : The Wellness Corner: Access to a mobile application that provides expert guidance on physical, emotional, and mental well-being to you and your immediate family members. Support Mechanisms: Various support mechanisms like buddy program for new joiners, childcare facilities for new mothers etc. are made available for our Associates. Health Check-up Camp: Access to a mobile application that provides expert guidance on physical, emotional, and mental well-being to you and your immediate family members Skills Semi Qualified CA / ACCA / CFA or MBA Finance (preferably from a premier institute) with a good academic background (in the order of highest qualification preference) 4-6 years of related work experience in Real Estate Loan Financing. General knowledge of financial/credit analysis/Loan financing. Experience of understanding Loan financing for Real Estate Companies and developing the financial models Demonstrated aptitude in quantitative and qualitative analysis Excellent interpersonal, leadership, and communication skills. Ability to manage multiple tasks and adapt to a changing, fast-paced environment. Strong Excel, Word, and PowerPoint skills Superior attention to detail and ability to successfully manage multiple competing priorities while maintaining a view of the big picture. Demonstrated ability to influence others through effective verbal and written communication. Finally, our people are our most valuable asset; if you agree with us on this, we would love to meet you! Your interaction with us will involve: HR Interview 4 Technical + Client Interviews

Associate/Senior Associate/Delivery Lead/Delivery Manager, Bangalore We are looking for a passionate, energetic individual to join our Lending Services division. You will be part of team working as an extension to our global client ensuring we fulfil the applicable SLAs. Key Responsibilities (CRE Spreading/Rent Roll & Operating Statements) Knowledge of U.S. Commercial Real Estate (CRE) industry across property types - Multifamily, Office, Retail, Industrial, etc. Analyzing and spreading the financial statements on various financial spreading platforms Analysis of financial statements including Income Statement, Balance Sheet and Cash Flow Statement of public and private companies for the credit appraisal process Knowledge of Property Operating Statements and Rent Roll analysis Experience in underwriting commercial properties by analyzing financial, leases and rent roll Experience in end-to-end CRE Portfolio Monitoring activity on behalf of Commercial Banks Ability to perform complex tasks with minimal support from supervisor Ability to inculcate the habit of self-learning and sharing best practices Should be good in Excel functions (mandatory), not VBA The candidate should possess understanding of various data sources like REIS, CoStar Key Competencies The candidate must have 1-9 years of working experience in CRE spreading, rent rolls and operating statement analysis Analyze and deliver assigned deals/tasks within committed timelines Update required trackers with latest status/updates Responsible for value-add deliverables across different process within loan life cycle Identify ways for improvement in efficiency gains and process improvement Responsible for adherence to client SLAs and Policies Perform ad-hoc tasks with detailed understanding on client requirement within stipulated timelines Responsible for on-time identification and escalation of risks and mitigants

We are looking for a passionate, energetic individual to join our lending services division at a senior position. You will be leading delivery team members engaged with end-to-end lending life cycle activities across CRE products. You shall also actively involved in expanding our CRE franchise by supporting the sales team and explaining the clients about our lending services including automotive platforms. You will work closely with senior leadership of delivery, and technology solution teams to manage client deliverables and further expand our offerings through various value propositions. You shall ensure that delivery teams strictly adhere to agreed client SLAs and ensure active reporting of required MIS and dashboards Key Skills Deep understanding of various CRE lending products and platforms Knowledge of U.S. Commercial Real Estate (CRE) industry across all property types - Multifamily, Office, Retail, Industrial, Lodging and Healthcare Knowledge of Property Operating Statements and Rent Roll analysis Experience in analyzing CRE loan originations, analyzing third-party reports (appraisal, environmental, and engineering) and preparation of Asset Summary Report Experience in underwriting commercial properties by analyzing financial, leases and rent roll Understanding of mortgage documents, origination procedures including underwriting and monitoring Deep understanding of recourse loans including Guarantor Analysis Ensure deliverables are met as per client SLAs by various delivery teams Productivity, Quality & TAT Excellent written, verbal communication, logical & analytical skills Experience in working with sales to create marketing collateral and responding to RFPs Experience in drafting SOPs Ensuring compliance with company policies and guidelines Minimum 5 years of team management experience including clients Key Responsibilities Help grow the CRE business Responsible for adherence to client SLAs and Policies Working across functions and stakeholders with a high degree of influence leading to successful outcomes Identify ways for improvement in efficiency gains and process improvement Responsible for value addition in deliverables across different process within loan life cycle Mentoring the junior team members and reviewing their deliverables Responsible for on-time identification and escalation of risks and mitigants Actively partner with Acuity technology solutions team to identify and provide client appropriate technology driven offerings Interested candidates may reach out to me at alka.sinha@acuitykp.com

Hiring For Analyst / Sr.Analyst / SME & TL Roles with a leading International BPO Location- Mumbai, Chennai and Hyderabad Mumbai- F2F interview IF INTERESTED CALL on 9740521948 OR Share CV Mohini.sharma@adecco.com ESSENTIAL QUALIFICATION: Graduate with 1 year - 5 years of overall processing experience Flexible to work in night shift timings Communication skills in English, both verbal and written Knowledge P&C Commercial Insurance ESSENTIAL SKILLS/PERSONALITY TRAITS: Resources executing day to day activities of the engagement Strong analytical, logical and data management skills preferred Service Excellence orientation MS Office Skills Basic keyboarding skills and computer skills of data entry Personal effectiveness skills Prioritizes and tracks own activities Follows documented processes Documentation of own work on a daily basis Interpersonal skills Strive to understand and resolve issues/queries at the first instant Keeps own work aligned with teams requirements

Urgently Hiring For Analyst / Sr.Analyst / SME & TL Roles with a leading International BPO @ Mumbai / Chennai & Hyderabad Location. Mumbai Only f2f Interviews. Apply - rohita.robert@adecco.com ESSENTIAL QUALIFICATION: Graduate with 1 year - 5 years of overall processing experience Flexible to work in night shift timings Communication skills in English, both verbal and written Knowledge P&C Commercial Insurance ESSENTIAL SKILLS/PERSONALITY TRAITS: Resources executing day to day activities of the engagement Strong analytical, logical and data management skills preferred Service Excellence orientation MS Office Skills Basic keyboarding skills and computer skills of data entry Personal effectiveness skills Prioritizes and tracks own activities Follows documented processes Documentation of own work on a daily basis Interpersonal skills Strive to understand and resolve issues/queries at the first instant Keeps own work aligned with teams requirements

Role- Underwriter (Residential/Commercial) US Mortgage Process Mandatory (Only Night Shifts) Work Location : Chennai ,Mumbai ( Work from Office ) Interested Immediate Connect- Ranjan- 7892648654 (Call/wtsapp) Interview- Assessment/ Ops Round / HR Round CONSULTANCY- ADECCO Job Overview Live Underwriter: - A Live Underwriter in U.S. mortgages evaluates loan applications, assesses borrower risk, and ensures compliance with lending guidelines (FHA, VA, Conventional, etc.). They review income, credit, assets, and property details to approve, suspend, or deny loans while working with loan officers and processors. Key Responsibilities: Loan Evaluation & Decision-Making Review and analyze mortgage loan applications for eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines. Assess borrower creditworthiness by thoroughly reviewing credit history, income, assets, and collateral (4Cs of Underwriting). Ensure loan documentation adheres to HUD, investor, and company guidelines to mitigate risk. Make independent underwriting decisions on loan approvals, suspensions, or denials based on risk assessment. Compliance & Risk Management Ensure compliance with federal, state, and company lending regulations to minimize potential risks. Maintain thorough documentation of underwriting decisions for audit purposes . Identify and report potential fraud or red flags to management and compliance teams. Process Optimization & Collaboration Work closely with loan processors, advisors, and management to resolve escalations and streamline the underwriting process. Provide guidance to internal teams on best underwriting practices and regulatory changes. Manage loans efficiently using Encompass and other underwriting tools. Quality Assurance & Customer Service Ensure timely completion of underwriting reviews while maintaining high-quality standards. Communicate underwriting decisions clearly and professionally with stakeholders. Continuously seek opportunities for process improvements to enhance efficiency. Qualifications & Requirements: bachelors degree or Equivalent Experience 5+ Years of End-to-End Mortgage Underwriting Experience (Conventional/Government) Deep understanding of HUD, investor, and regulatory guidelines Proficiency in Encompass & other mortgage underwriting systems Strong analytical, decision-making, and problem-solving skills Ability to work in a fast-paced, high-volume environment without compromising accuracy Excellent communication & stakeholder management skills Take Your Career to the Next Level! Interested Immediate Connect- 7892648654 (Call/wtsapp) for Schedule

Dear Applicant, Hiring for Commercial underwriting - SME Position SME Location : Chennai / Mumbai Process Commercial Underwriting Ctc - 7.5-8lpa Description – Looking for candidates with good experience in commercial underwriting / CRE underwriting/ financial spreading Shifts – US shifts/WFO Notice period – Immediate/ 1 month only Interested candidates contact HR Hema@9136535233/ hemavathi@careerguideline.com

CRE Underwriting - CRE Loan Underwriting, Pre Screen Services, Preliminary Loan Sizing, CRE loan basics + Operating Statements and Rent Roll experience