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5.0 - 9.0 years

0 Lacs

karnataka

On-site

As a Senior Underwriter in the Residential Mortgage industry, you will be part of the Shared Services function that aims to deliver operational support to Business Units within the organization. Your role will involve reviewing and verifying loan applications, analyzing loan risks, ensuring compliance with regulatory standards and company policies, and communicating loan conditions to stakeholders. Additionally, you will be responsible for identifying portfolio risks, documenting loan decisions, and performing other tasks as assigned by your manager. To excel in this role, you should possess a strong understanding of mortgage guidelines and policies for various loan types such as VA, FHA, Client, FHLMC & USDA. Your expertise should include analyzing qualifying income from tax documents, credit reports, and bank statements, as well as experience in both automated underwriting systems (AUS) and manual underwriting methods. Familiarity with fraud detection tools and industry-standard loan origination systems like Encompass, BytePro, Calyx, Empower, or Lending QB is preferred. The ideal candidate will have at least 5 years of recent US Mortgage underwriting experience, with a background in compliance review, disclosures preparation, closing, and due diligence within the residential mortgage sector. You should stay updated on mortgage policies, compliance laws, and regulatory changes, including TRID, to ensure accurate and efficient underwriting processes. Your commitment to quality, excellent time management skills, and ability to work independently while meeting deadlines will be crucial for success in this role. As a Senior Underwriter, you must demonstrate professionalism, attention to detail, superior communication skills, and proficiency in Microsoft Office applications. This role requires you to work under pressure, adhere to company policies, and maintain a positive attitude while delivering exceptional customer service. This position is based in the office, with working hours aligned with the US time zone (India Night Shift). If you are seeking a challenging opportunity to leverage your underwriting skills in the residential mortgage industry, this role offers a dynamic environment where you can contribute to the success of the organization while ensuring compliance and quality in loan processing.,

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5.0 - 9.0 years

0 Lacs

karnataka

On-site

At Altisource, we are a leading provider of world-class technologies and services for the mortgage and real estate industry. We are dedicated to transforming the way homes are bought, sold, and managed. In the US, we have strong partnerships with 7 of the top 10 mortgage servicers, operate a top real estate auction website, and manage a cooperative holding a significant market share in the US originations market. As part of our team, you will play a crucial role in ensuring the quality control post loan closing and pre-funding processes. Your responsibilities will include reviewing pre-closing and pre-funding documentation for accuracy before document release, as well as verifying post-closing documentation accuracy and confirming the presence of all necessary supporting documents. You will also be tasked with recording and reporting loan exceptions. To excel in this role, you must demonstrate expertise in various loan review processes such as RADD, forensic review, QM (Conventional, FHA, VA, and USDA), non-QM, and portfolio loans review. Additionally, you will be responsible for evaluating credit and income details, including income calculation, employment income, self-employed income, rental income, and other income sources. Your keen eye for detail will be essential in identifying red flags on loan files, such as discrepancies in income and asset documents, credit reports, fraud reports, and exclusionary lists. Knowledge of applicable federal regulations and state laws will be advantageous, and you should be able to prioritize tasks effectively while adhering to policies, programs, and guidelines. Strong organizational and communication skills are crucial for this role, along with the ability to handle multiple tasks, adapt to new responsibilities, and prioritize work in a deadline-driven environment. Your interpersonal skills and collaborative approach will be key in influencing and working effectively within a team. We are looking for individuals who are self-motivated, demonstrate a high level of personal energy and commitment, and are willing to work flexible night shifts. The ideal candidate will hold a Bachelor's or Master's degree and have at least 5 years of experience in retail US residential mortgage banking and QC/post-closing/pre-funding processes. In return, we offer a competitive salary tailored to your experience and skills, along with comprehensive insurance plans covering medical, personal accident benefits, and life insurance. We prioritize your well-being and offer perks such as 6 paid days off per year, employee engagement programs, and opportunities to participate in community service initiatives like Habitat for Humanity. If you are ready to take on this challenge and make a difference in the mortgage industry, don't hesitate to apply today! For any inquiries, please contact us at Careers@altisource.com.,

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2.0 - 7.0 years

8 - 10 Lacs

Gurugram

Remote

US Mortgage experience In Underwriting All 4 C’s Credit, Capacity, Collateral, and Capital or Income review experience, Conditions Clearing, Closing Review, Loan Set Up review process..Fannie Mae/Freddie Mac.Group health/Liability/Commercial/Crop UW. Required Candidate profile past due account ,revolving account, time share account, 30-day loan account.tax extension forms IRS 4868.wage income, self-employment income, business income.Debt-to-Income (DTI)/Loan-to-Value (LTV)

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5.0 - 9.0 years

0 Lacs

karnataka

On-site

The Senior Underwriter (Residential) position requires you to relocate to Pune, Mumbai, or Bangalore and work from the office during US timings night shift (EST). As a Senior Underwriter, your primary responsibilities include reviewing and verifying loan applications, analysing loan risk, ensuring compliance with regulatory standards and company policies, and documenting loan conditions. You will also need to communicate loan decisions effectively and identify portfolio risks from client business practices. Additionally, you may be assigned other tasks by your manager. To excel in this role, you must have a deep understanding of mortgage guidelines for various types of loans such as VA, FHA, FNMA, FHLMC, and USDA. You should be adept at analysing income from tax documents, credit reports, and bank statements. Experience with automated underwriting systems (AUS) and manual underwriting methods is essential, along with knowledge of industry-standard loan origination systems like Encompass, BytePro, Calyx, Empower, or Lending QB. The ideal candidate should have at least 5 years of recent US mortgage underwriting experience and be well-versed in compliance review, disclosures preparation, and closing procedures in the residential mortgage industry. Knowledge of current mortgage policies, compliance laws, and regulations, including TRID, is crucial. Strong attention to detail, time management skills, and commitment to customer service are essential for success in this role. You should be proficient in Microsoft Office, possess strong communication skills, and be able to work independently under pressure while meeting deadlines. Maintaining a positive attitude, punctuality, dependability, and adherence to company policies and procedures are also key aspects of this position. This is a work-from-office role requiring you to work during US hours (India Night Shift).,

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3.0 - 7.0 years

0 Lacs

pune, maharashtra

On-site

As an experienced Residential Mortgage Underwriter, you will demonstrate a robust understanding of Fannie Mae, Freddie Mac, FHA, and VA guidelines. Your primary responsibility will be to meticulously analyze and assess residential loan applications, guaranteeing their alignment with investor and regulatory standards. Your proficiency in risk evaluation, attention to detail, and capacity to render prudent credit judgments in a dynamic setting will be crucial in this role. Your key responsibilities will include reviewing and underwriting residential mortgage loan files, ensuring adherence to agency and investor guidelines, scrutinizing credit, income, asset, and collateral documentation, making precise and prompt underwriting determinations, and effectively communicating these decisions to pertinent teams. To excel in this role, you must possess a minimum of 3 years of live US mortgage underwriting experience, exhibit proficiency with Automated Underwriting Systems (AUS) such as Desktop Underwriter (DU) and Loan Prospector (LP), and have a comprehensive understanding of FNMA, FHLMC, FHA, and VA guidelines. Join us in this opportunity to leverage your expertise and contribute significantly to our residential mortgage underwriting operations.,

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10.0 - 15.0 years

18 - 20 Lacs

Pune, Gurugram, Chennai

Work from Office

Position Summary (Underwriting): The Mortgage underwriting Manager must have managed the eligibility of loan applications of residential mortgage (1-4 family) loans. This role requires experience in analyzing and verifying loan applications, review of all 4 Cs, 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 Experience in full analysis of all types of income (Self/Rental/Wage/etc.), Assets, Liabilities, Credit and Collateral. Experience in managing credit, income, and assets on a loan-by-loan basis to properly assess individual risk, and promptly provide underwriting decisions to Mortgage Originators Experience in managing 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 Transaction Quality• Drive continuous improvement for Transaction Quality and Delivery• Manage Transaction Quality & Client related Key Performance Indicators (KPIs)• Evaluate effectiveness of transactional quality interventions• Strengthen Quality management processes / framework to improve quality delivery• Accurately capture SLA/SLO metrics, the reporting needs of each of the client and set up / customize processes to seamlessly meet client's expectations • Ability to get out of the box ideas and Process improvement initiatives in the process • Should drive Process control & Compliance in addition to managing Audit SLAs • Provide crisp and specific feedback to Front Line Recruitment Teams on quality of new hires • Provide quality floor support, feedback, refreshers etc. via the teams aligned • Facilitate Quality and Compliance team to perform various audits and follow-ups based on the observations highlighted Essential Skills / Expertise required:- • Six Sigma Green Belt Certified • Effective People Management skills to be able to drive teams across LOBs and/or Geographies • Ability to drive initiatives to closure• Ability to deal with all levels of employees and to provide leadership, direction and motivation to building performing teams • Analytical Skills / Quantitative skills with excellent data handling / data interpretation skills • Excellent Communication skills Both verbal and written to manage client and leadership communication • Needs to have good working knowledge of Transaction Quality systems, tools and technologies • Process Oriented, Planning, Decision making, Data Handling, Ability to prioritize, Ability to meet deadlines • Detail oriented, Strong organizational skills and Presentation skills • Flexible to work in 24X7 environment Qualifications Bachelor's Degree

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1.0 - 5.0 years

4 - 8 Lacs

Gurugram

Remote

As Mortgage Underwriter you will be verifying loan applications and reviewing all 4 C’s, evaluating risks, and making loan eligibility decisions Need 1+ year of mandatory experience in US Mortgage 5 Days working 4 C’s Contact @ Ishita - 9529411055

Posted 3 weeks ago

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1.0 - 5.0 years

4 - 9 Lacs

Noida, Gurugram, Delhi / NCR

Work from Office

As Mortgage Underwriter you will be verifying loan applications and reviewing all 4 C’s, evaluating risks, and making loan eligibility decisions Need 1+ year of mandatory experience in US Mortgage 5 Days working 4 C’s Contact - Himanshu -9521247651

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3.0 - 8.0 years

1 - 6 Lacs

Noida, New Delhi, Delhi / NCR

Work from Office

Job Title: Analyst/ Senior Analyst Residential Mortgage Underwriting Experience Required: 3–8 Years Shift Timing: 5:30 PM – 2:30 AM IST (US Shift) Location: Noida, Sector 63 (On-site) About the Role: We are seeking a detail-oriented and experienced Senior Analyst with a strong background in residential mortgage underwriting to join our dynamic team. The ideal candidate will have in-depth knowledge of income analysis, credit and asset review, and underwriting across various conventional and government loan programs including FHA, VA, USDA, and Bond loans . Key Responsibilities: Perform detailed income calculation and analysis for salaried, self-employed, and non-traditional income sources. Conduct comprehensive underwriting reviews for residential mortgage applications ensuring adherence to agency and investor guidelines (Fannie Mae, Freddie Mac). Assess borrower eligibility, creditworthiness, and overall loan risk in accordance with FHA, VA, USDA, Bond program guidelines. Review and analyze credit reports, asset statements, property appraisals, and title documents . Validate compliance with underwriting criteria, company policies, and regulatory requirements. Maintain a high level of accuracy and turnaround time in processing and decisioning loan files. Collaborate with US-based teams and other internal stakeholders to ensure smooth workflow and clear communication. Keep up to date with current underwriting guidelines and industry best practices. Required Skills & Qualifications: 3–8 years of hands-on experience in residential mortgage underwriting , including conventional and government loan programs. Strong understanding of FHA, VA, USDA, and Bond loan underwriting guidelines . Proficient in income calculation methodologies and documentation requirements. Familiarity with AUS systems (DU, LP) and LOS platforms (e.g., Encompass, Calyx). Excellent attention to detail, analytical ability, and organizational skills. Strong verbal and written communication skills to liaise with US counterparts. Ability to work independently and meet tight deadlines in a high-pressure environment. Bachelor's degree or equivalent work experience in Finance, Business, or a related field preferred. Shift & Work Environment: Shift Timing: 5:30 PM – 2:30 AM IST (Night Shift, aligned with US hours) Work Location: Noida, Sector 63 (Work from Office) Why Join Us: Competitive compensation and benefits. Opportunity to work with a fast-growing, global financial services firm. Exposure to diverse loan products and continuous skill development. Collaborative and performance-driven work culture.

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3.0 - 6.0 years

3 - 6 Lacs

Noida, New Delhi, Delhi / NCR

Work from Office

We are seeking a highly analytical and experienced Senior Mortgage Analyst to join our Residential Mortgage Operations team. The ideal candidate will bring in-depth knowledge of income calculation, loan eligibility assessments , and government-backed and conventional loan programs , including FHA, VA, USDA, and Bond loans . You will play a critical role in ensuring the accuracy and compliance of mortgage loan reviews in accordance with agency and investor guidelines. Key Responsibilities: Analyze and underwrite residential mortgage loan files, ensuring compliance with agency and investor guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA, Bond programs). Perform detailed income analysis for various borrower types (W-2, self-employed, commission-based, rental income, etc.), including complex tax return evaluations. Review complete loan packages for creditworthiness, collateral evaluation, and documentation integrity. Maintain up-to-date knowledge of all relevant lending guidelines and overlays (e.g., DU/LP findings, FHA Handbook, VA Lenders Handbook). Assist in structuring loans that meet borrower needs while complying with product and regulatory requirements. Act as a subject matter expert and mentor for junior underwriters and analysts. Communicate effectively with internal stakeholders (loan officers, processors, QC teams) to resolve issues and close loans efficiently. Ensure adherence to federal and state lending regulations, including RESPA, TRID, and HMDA. Participate in periodic audits, internal process reviews, and contribute to operational improvement initiatives. Qualifications: Bachelors degree in Finance, Business, Economics, or a related field. Equivalent work experience may be considered. 3+ years of experience in residential mortgage underwriting or analysis. Deep understanding of conventional loan programs and government-insured loans (FHA, VA, USDA, Bond). Strong expertise in income analysis and cash flow evaluations from personal and business tax returns (Schedule C, E, K-1, etc.). Familiarity with AUS systems (DU, LP) and Loan Origination Systems (LOS) like Encompass, Calyx Point, or equivalent. Knowledge of compliance regulations and investor guidelines. Strong attention to detail and ability to work under tight deadlines. Excellent verbal and written communication skills.

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4.0 - 9.0 years

7 - 12 Lacs

Pune, Jaipur

Work from Office

4-5 years of experience in U.S. mortgage underwriting Strong knowledge of U.S. mortgage regulations, guidelines, and underwriting processes SME - 6-9 yrs of exp - Sal-10.5L SR analyst-4-6 yrs ctc -8-8.5L Mgr -10-12 yrs exp - ctc -15-18L Required Candidate profile Shweta - 9999309521 shwetaa.imaginators@gmail.com WFO rotational shifts

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2.0 - 7.0 years

4 - 9 Lacs

Chennai

Work from Office

Full Position SummaryThe 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 EducationBachelors in any stream. Experience2+ years increasingly responsible experience in related areas. 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.

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5.0 - 8.0 years

10 - 15 Lacs

Gurugram

Work from Office

Seeking a Team Leader or Assistant Manager - Process Training (US Residential Mortgage Underwriting) to lead and enhance our training initiatives within the given accounts. In this role, you will oversee the development and execution of comprehensive domain training programs, designed to improve training efficiency and support process goals. You will collaborate with various departments to ensure training programs align with business needs and drive continuous improvement. Training Development and Management: Design and implement domain training programs tailored to organizational needs, ensuring effective delivery and measurable outcomes. Domain: US Residential Mortgage Underwriting Needs Assessment: Partner with respective training leaders to assess domain training needs, identify process gaps, and propose solutions. Program Evaluation: Analyze training program effectiveness using feedback, assessments, and performance data to drive improvements. Content Creation: Develop and refine training materials, including manuals, e-learning modules, and interactive sessions. Produce customized training resources, including manuals, case studies, simulations, and role-playing scenarios, to equip employees with the tools they need to effectively upskill themselves in domain. Stakeholder Engagement: Engage with senior management and key stakeholders to ensure alignment of training programs with business objectives. Vendor Management: Engage with various vendors providing training to gauge and leverage niche domain expertise that may be required time to time. Process Improvement: Identify and integrate best practices into training programs to enhance process efficiency and effectiveness. Reporting: Prepare and present detailed reports on training activities, outcomes, and areas for development. Qualifications Project and Training Management Experience is a must. Strong Domain US Residential Mortgage Underwriting, entire value chain across originations Good with Microsoft Office Strong with MIS reporting Strong analytical and operations management skills Client focused with superior written and verbal communication skills. Ability to work under pressure in a faced paced environment with limited structure. Track record in designing and executing successful training programs Familiarity with traditional and modern training methods (mentoring, coaching, on-the-job or in classroom training, e-learning, workshops, simulations etc.) will be added advantage Should be ok to work in US Shifts WFO Setup

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7.0 - 12.0 years

8 - 18 Lacs

Pune, Jaipur

Work from Office

Role: Sr. Team Lead/Manager Minimum 6+ yrs of expr into US Mortgage underwriting Location:Pune/Jaipur must expr into all types of income skillset product types of loans (FHA, VA, USDA and conventional) Salary: SME:8.5 LPA TL: 10.5 LPA Manager:18 LPA Required Candidate profile managing 20+ FTE's for TL / 50+ FTE's Manager

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3 - 7 years

3 - 8 Lacs

Chennai

Work from Office

Job Overview: The role of the Pre-Purchase Reviewer is to review the closed loan file documents and ensure that the loan closed according to the approval, meets all federal, state, local and investor requirements and that the data in the LOS matches the data in the mortgage loan documents. The position requires a thorough understanding and familiarity of both credit, income, assets and closing documents to complete the applicable review questions in the questionnaire and provide results to Client Job Roles and Responsibilities: Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. Knowledge of Loan Origination Cycle- Loan Application, Origination, Due Diligence, Pre-Purchase Review or Underwriting process Knowledge of different types of mortgages and its functioning and ability to review various documents involved in Closing, Funding and Underwriting Review the loan documents using the Pre-Purchase Review checklist for completeness and accuracy Strong knowledge of ATR/QM, RESPA, TRID and mortgage compliance regulations Review of Conventional, FHA, VA & USDA loan types General knowledge of Fannie Mae, Freddie Mac, FHA and VA guidelines Add suspense conditions in a clear concise manner in LOS for any deficiencies noted as part of the above review Strong Customer Service Skills, Detail Oriented with good analytical skills and the ability to make decisions based on the situation. Contact Details-amith.anbalagan2@gomoder.com/8248444597

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6 - 10 years

5 - 9 Lacs

Bengaluru

Work from Office

Role & Responsibilities: Supervise and lead a group of associates to meet all SLAs relatives to all functions in the department. Maintain daily, weekly, and monthly production reports along with MBR and QBR including preparing Decks across all processes managed including circulating minutes. Monitor work allocation, pipeline management daily across all processes managed. Coordinate activities of the department with the manager to include workflow monitoring, process improvement, training, reporting and special projects. Provide recommendations for strategies and process improvements to add value to teams and clients. Coordinate with other internal support teams to ensure seamless production by the operations team. Responsible for team Attendance and team retention. To ensure the team follows adherence requirements Identify talent and mentor next level leaders. Create and Manage SOP for all processes handled along with periodic updates. Educational/Professional Qualifications: 1. Graduate degree or equivalent of (10+2+3) year of education. Required Skills: Very strong knowledge in US Mortgage business and servicing Mortgage claims process in specific. Proficiency to read through and understand FHA, VA loans, FNMA FHLMC HUD demands, Title packages & Conveyance. Should be well versed in conveyance process, GSE Claims, File checker and Investor Guidelines. Should have good knowledge in preparing FHA/VA/FNMA/FHLMC Claim package, post-sale & REO new file setup. Ability to handle multiple Shared mailboxes for clients and other vendors, agent should be able to read and understand recorded mortgage deeds verify the same with PM rails where attorneys update the information Should be well versed with US loan mortgage documents like delinquent letters, escrow analysis, title policies, Note, ect. Strong written and verbal communication skills and ability to converse with client & can make decisions based on the situation. Strong analytical, logical approach and data management skills. Good understanding of reports and performance management. Comfortable with flexible work timings including India late night shift to cover CST clients and willingness to extend work hours based on business need. Should have excellent command on MS-Office (Excel, PPT, Word) Should have excellent e-mail/phone etiquette. Ability to handle & accomplish multiple tasks, follow written & verbal instructions effectively. Ability to work under stringent deadlines and work with the team to meet deadlines. Must be a team player and can manage the team by leading as a role model. Disclaimer: Firstsource follows a fair, transparent, and merit-based hiring process. We never ask for money at any stage. Beware of fraudulent offers and always verify through our official channels or @firstsource.com email addresses.

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8 - 13 years

7 - 17 Lacs

Pune, Jaipur

Work from Office

Role : US Mortgage Exp : Min 8+ yrs Loc : Pune & Jaipur Must Have exp : Us Residential Mortgage in Team lead / Manager Position Min 60+ FTE's and NMLS Certified Salary : upto 9 LPA Interview: Walkin Regards, Allen 7200495207

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