106 Income Calculation Jobs

As a Non-QM Underwriter, you will be responsible for underwriting and making decisions on Non-QM loans in accordance with all relevant regulations. Your role will involve underwriting various Tiers, including complex loan transactions, while ensuring compliance with company policies and guidelines. It is essential to maintain client SLA expectations by meeting individual Underwriter quality benchmarks and production goals within specified turn times. Your duties will include analyzing income calculations, debt-to-income ratios, asset statements, financial statements, as well as personal and business income tax returns to make informed decisions. You will also assess appraisal reports, collateral offered in loan applications, and title opinions to determine acceptability and appropriate loan-to-value ratios for decision-making. Documenting and effectively communicating reasons for loan approval or denial will be a crucial part of your responsibilities. To excel in this role, you are required to have a graduation degree and a minimum of 2 years of mortgage underwriting experience, including front-end and live underwriting. Prior supervisory skills would be an added advantage. Strong written and verbal communication skills are essential, along with proficiency in reading, writing, and understanding the English language. You should be able to interpret borrower documentation, company policies, procedures, guidelines, reports, and legal documents, as well as respond to inquiries or complaints from clients effectively. Additionally, you should demonstrate initiative, drive for results, and the ability to work independently. Problem-solving, decision-making, and quality acumen are key skills required for this role. You must have the capability to analyze data and reports to provide accurate assessments while working with minimal supervision. Proficiency in Microsoft Excel, Word, and Outlook, along with strong organizational skills, will contribute to your success in this position.,

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.,

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)

Greetings, We have an opening for one of our clients Mphasis for the position Underwriter. Location : Pune Timings : US shift - 6:30pm to 3:30am Skills : US Mortgage, 4C's, Income calculation, FNMA, FHLMC guideline, Income calculation, credit report, Schedule 'c' firm, schedule 'e' rental, s-cop & c-cop, owner calculation.

Job Roles and Responsibilities: Review and analyse the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor and the company. Knowledge of Lending & Underwriting Guidelines | Credit & Income Analysis | Cash Flow Analysis | Risk Assessment | Loan-to-Value Ratios | Debt-to-Income Ratios Review Initial application - Verify loan, property, borrowers information with other available documents - Verify borrower's monthly income and expenses - Verify other relevant sections. Review all the documents related to borrower’s Credit, Capacity, Collateral and Capital. Calculate asset required for closing and reserve purpose for the transaction (as per guideline) Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines. Provides final approval underwriting of mortgage loans. Completes all required paperwork and forms in a timely and accurate manner; prepares required forms. Sign off conditions in a timely manner set by management. Work with staff and management to find solutions on escalated loans. May be requested to make recommendations for improving Internal Audit’s policies and practices. Manage loans by using all functions of Encompass. Effectively communicate underwriting decisions with processors and advisors Maintain high level of customer service and communication with other departments. Other duties as assigned. Qualification & Experience Degree or Equivalent Minimum 3 years of experience in conventional/govt end to end underwriting. Well-versed with all 4C’s of Underwriting (Asset, Income, Credit and Collateral)

Job Summary: We are seeking a knowledgeable and detail-oriented Due Diligence (DD) Underwriter Trainer to lead training programs for underwriters, with a strong focus on mortgage underwriting processes involving Form 1003 and 1004. The ideal candidate will have at least 5 years of relevant experience, excellent knowledge of residential mortgage applications and appraisal reports, and the ability to train professionals during flexible night shifts. Key Responsibilities: Design and deliver training sessions on reviewing, analyzing, and validating data from Form 1003 (Loan Application) and Form 1004 (Appraisal Report) . Educate underwriters on identifying red flags in borrower income, assets, credit, and liabilities. Train underwriters in evaluating property value, condition, and market trends as reported in Form 1004. Develop case studies and real-world exercises involving income verification, debt-to-income (DTI) calculations, and appraisal analysis. Ensure trainees understand how to verify borrower and collateral information to mitigate lending risks. Conduct quality reviews and performance assessments, providing constructive feedback and guidance. Collaborate with compliance and risk management teams to ensure adherence to underwriting and investor guidelines (e.g., Fannie Mae, Freddie Mac). Update training materials to reflect changes in underwriting policies and industry regulations. Skills & Knowledge (Form 1003 & 1004 Focus): Form 1003 Skills: Borrower data review and cross-verification (employment, income, assets, liabilities) Credit report interpretation and risk scoring DTI and LTV ratio calculation and analysis Occupancy status, loan purpose, and property type evaluation Identification of red flags and inconsistent borrower information Form 1004 Skills: Appraisal report review and compliance checks Property condition assessment and comparables (comps) analysis Market trend interpretation and neighborhood analysis Reconciliation of value conclusions with loan parameters Identifying appraisal discrepancies or red flags Qualifications: Bachelors degree in Finance, Real Estate, Business, or related field (preferred) Minimum of 5 years of underwriting experience, including mortgage due diligence Strong knowledge of Form 1003 and Form 1004 review and analysis Experience in training or mentoring underwriting professionals Excellent analytical, communication, and presentation skills Ability to lead training sessions during flexible night shifts Work From office ( Okay with Night Shift) One way Cab will provided 5 days working . Interested candidate can share profile on -9384663108

Hiring for Underwriting Requirements: Minimum 2 year of experience into Live Underwriting Location: Gurugram Haryana Graduates & above CTC: Upto 12 lpa Notice period immediate to 45 days Work from home opportunity (US Shift) Sound knowledge of US Residential mortgage Exposure of Underwriting processes & guidelines Excellent critical thinking, problem solving and sound judgment Analysis and Calculation of qualifying income from Salaried various tax documents such as 1040s, Schedule E, 1065, 1120, 1120S, K1, transcripts. Interested candidates contact HR Prathibha - 8655884776 / prathibha@careerguideline.com

Job Opportunity Credit Analyst US Mortgage Underwriting - Work from Office Company Profile: Infinity IPS Founded in 2003, Infinity IPS is a mortgage industry leader in providing end-to-end services and solutions. We specialize in mortgage due diligence, pre-fund and post-close quality control, mortgage servicing reviews and loan brokering services. We are vetted by all 5 major rating agencies. Our clients are financial entities including investment banks, commercial banks, mortgage companies, government agencies and mortgage insurers Post Credit Analyst US Mortgage Underwriting Location Bangalore Job Shift 7 pm to 5 am - Night - 5 Days a Week Saturday & Sunday Off Immediate Joiners Preferred Requirements: - Mortgage Underwriter Duties and Responsibilities Experience in Post close underwriting Including QM and Non-QM loans. Experience in US MORTGAGE UNDERWRITING is MUST Highly organised and able to prioritise. Good communication skills, both verbal and written. Detail-oriented with strong data analysis skills. High mathematical aptitude. Proficiency in Microsoft Office and automated underwriting systems. Mortgage Underwriter Skills and Requirements Experience in loan underwriting in QM and Non Qm loans for 1-6 years Good working knowledge of mortgage loan underwriting of 4 Cs. Working experience in income calculation, DTI calculation, LTV calculation. Reviewer is responsible for assessing mortgage files as per applicable selling guides and the lender overlays. Review and verify loan applications and supporting documentation. Analyse loan risk and request additional information as necessary. Determine if the risk covering the mortgage loans is permissible per guidelines and covered adequately Good knowledge of collateral underwriting, non-QM income also reviews the assets. Review and specify loan conditions as necessary. Document and efficiently communicating reasons for the approval/rejection of loans. Highly organised and able to prioritise work first. Walk in Details : Candidate can visit office as per below mentioned schedule with a copy of CV Date : 16th July 2025 to 25th July 2025 Time : 6 PM to 9 PM - Monday to Friday Venue : Infinity Data Technologies Pvt. Ltd. C/O : Novel Tech Park 46/4, Garvebhavipalya, Kudlu Gate, Hoser Main Road, Bangalore-68 Contact Person : Praveen (7530002417)

Dear Applicant, Hiring for Live Underwriter(WFH) - F2F interview - US Residential Underwriting Location - Gurgaon - F2F Interview on 19th & 20th US Night shift 45days notice ctc upto 12lpa Work from home Minimum 3+yrs of exp required in underwriting 2yrs in live underwriting Key Responsibilities Review and underwrite U.S. residential mortgage loan files to ensure compliance with FNMA, FHLMC guidelines. Familiarity with GNMA and other investor guidelines is a strong plus. Conduct comprehensive analysis of borrowers credit, income, asset, and collateral (4Cs) to determine creditworthiness. Perform income analysis from salaried, self-employed (business), rental, and other sources, including complex tax documents such as 1040s, Schedule E, K1s, 1120, 1120S, and transcripts. Review credit reports to evaluate trade lines, delinquencies, public records, and reconcile discrepancies. Validate collateral and property valuations and assess appraisal documentation. Verify asset documentation including bank statements, retirement accounts, and other investments. Make independent underwriting decisions (approve, deny, or counter) in accordance with investor and company policies. Maintain compliance with internal controls and regulatory requirements. Communicate findings and decisions clearly to internal stakeholders and/or clients. Deliver quality outcomes while meeting turnaround time (TAT) and accuracy metrics. Interested Candidates contact HR Umme@ 8655884775 / Umme@careerguideline.com

Mphasis Walk-in Drive US Mortgage Underwriter Location: EON Kharadi Infrastructure Pvt Ltd, Cluster C, Wing 3, Ground Floor, Pune - 411014. Date: Recently (17th July 2025 - 18th July 2025) Employment Type: Full-Time About the Role: We are seeking a detail-oriented and experienced US Mortgage Underwriter to join our dynamic team. In this role, you will be responsible for the end-to-end underwriting process of residential mortgage loans, ensuring compliance with investor guidelines, company policies, and regulatory requirements. Key Responsibilities: Review and analyze mortgage loan applications, credit reports, income documentation, and property appraisals. Perform risk assessments and make sound underwriting decisions on conventional, FHA, VA, and USDA loans. Ensure loans meet all investor and regulatory guidelines (Fannie Mae, Freddie Mac, etc.). Communicate underwriting decisions and conditions clearly to processors and loan officers. Maintain high levels of accuracy and productivity while meeting service level agreements (SLAs). Stay updated on industry trends, underwriting guidelines, and compliance regulations. Qualifications: 3+ years of experience in US mortgage underwriting (end-to-end). DE/SAR/LAPP certification preferred. Strong knowledge of AUS systems (DU, LP). Familiarity with Encompass or similar LOS platforms. Excellent analytical, communication, and decision-making skills. Ability to work independently in a fast-paced, deadline-driven environment. Walk-in Instructions: Bring a hard copy of your resume Mention HR Janavi Gollapallis name on the resume

Position Summary: The Mortgage underwriting associate evaluates and determines 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 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. Roles and 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 Education : Bachelors in any stream. 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.

Indecomm Global Services is hiring for US Mortgage Underwriter Job Brief We are seeking an experienced Associate/Lead Associate in Mortgage Underwriting who will play a pivotal role in determining the eligibility of loan applicants and authorizing purchases through re-underwrites for lenders. Your responsibilities will include analyzing and verifying loan applications, evaluating financial risks, and making final decisions on eligibility. Working collaboratively with a team of financial experts, you will be instrumental in accepting or declining different types of loans. Roles and Responsibilities: Problem-solving ability by connecting the dots across the loan documentation. Perform end-to-end risk analysis of a loan file. Evaluate loan risk through the verification of loan applications. Maintain a thorough working knowledge of industry standards and guidelines. Ability to interpret and take action for any guideline changes. Reviewing and responding to loan conditions as necessary. Ensuring compliance with regulatory standards. Perform other duties as assigned by Management. Meet daily targets and all SLAs as communicated. Requirements: Graduate in any discipline. At least 2-7 years of relevant experience in the underwriting process. General knowledge of Fannie Mae, Freddie Mac, FHA, and VA guidelines is a plus. Detail-oriented. Adhere to strict timelines prescribed by Management and provide the review experience working in a production environment preferred. Good verbal and written communication skills. Should have good analytical skills and the ability to make decisions based on facts. Competent with MS Office applications, LOS, LMS, and Selling guide navigation. Knowledge of standard mortgage nomenclature. Shift: Should be flexible with both day and night shifts and okay to work over the weekends if required. www.Indecomm.com

JOB TITLE: Due Diligence Underwriter SHIFT TIMING: Must be open for Rotational shift and week off POSITION TYPE: Full-Time LOCATION: Chennai Experience Range: 1 - 6 years Immediate Joiners Only Job description A Mortgage Underwriter plays a crucial role in the mortgage lending process by assessing the creditworthiness and risk profile of potential borrowers. The position involves analyzing financial information, reviewing loan applications, and making informed decisions to approve, conditionally approve, or deny mortgage loans. This role ensures that all loans meet the company's lending standards and regulatory requirements. Key Responsibilities : Loan Application Review: Analyse and verify loan applications, ensuring all required documents are complete and accurate. Assess the borrower's credit history, employment, income, and debt levels. Confirm the property's value through appraisal reports. Credit and Financial Analysis: Evaluate credit reports to determine the borrower's creditworthiness. Analyse financial statements, tax returns, pay stubs, and other income documentation. Calculate debt-to-income (DTI) ratios and loan-to-value (LTV) ratios. Property Valuation Review: Review appraisals and alternative value products for conformity to client-specified requirements to assess the accuracy of the property valuation. Compliance and Risk Assessment: Ensure loans comply with all federal, state, and local regulations. Adhere to company policies and guidelines. Identify potential risks and assess the overall risk level of the loan. Essential skills and requirements: Any bachelors degree. Proven experience in mortgage processing or underwriting. Strong knowledge of mortgage industry regulations and procedures. Excellent analytical and problem-solving skills. Detail-oriented with exceptional organizational abilities. Proficiency in using mortgage processing software and financial tools. Effective communication and interpersonal skills. Ability to work efficiently under pressure and meet tight deadlines. Solid understanding of financial statements and credit reports. Certification in mortgage underwriting or related fields is a plus. Kindly share your resume to sgrace@ca-usa.com

Walk-in Drive in Firstsource for US Mortgage Underwriters -Gurgaon location Are you an Underwriter? Looking for Work from home opportunity? Here we are coming to Gurgaon to conduct Walkin drive on 19th & 20th July. Walk-in Time 10.00 AM to 5.00 PM Walk-in Date - 19th & 20th July Walk-in Address : Firstsource 9thFloor, Candor Techspace, sector 48, Gurugram Haryana - 122022 Contact Person Supriya PS supriyapss@firstsource.com Job Description Graduates & above Minimum 2 year of experience into Live Underwriting. Should have worked in all the 4 c's Sound knowledge of US Residential mortgage. Exposure of Underwriting processes & guidelines. Excellent critical thinking, problem solving and sound judgment. Analysis and Calculation of qualifying income from Salaried various tax documents such as 1040s, Schedule E, 1065, 1120, 1120S, K1, transcripts, etc Join our team if you're passionate about the industry and possess the skills listed below. Requirements: Minimum 3 years of experience in US mortgage- live Underwriting. Strong understanding of underwriting processes, mortgage products, and federal regulations Excellent analytical, communication, and customer service skills. Ability to thrive in a team-oriented environment. Proficiency in relevant computer applications and software Interview rounds HR, Assessment, Ops and client round. Interested candidates can drop in to the office with your resume and govt ID proof. Disclaimer: Firstsource allows 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

Greetings, We have an opening for one of our clients Mphasis for the position QA _ Underwriter. Location : Pune Timings : US shift - 6:30pm to 3:30am Skills : US Mortgage, 4C's, Income calculation, FNMA, FHLMC guideline, Income calculation, credit report, Schedule 'c' firm, schedule 'e' rental, s-cop & c-cop, owner calculation.

Job Title: QA Underwriter Job Type: Full time Job Opportunity Available Work Location Available: Pune and Chennai (Work from office) Shift time: Monday to Friday (6.30 pm to 3.30 am)(Must be comfortable with night shifts) Summary The QA Underwriters primary responsibilities include reviewing mortgage files submitted to Underwriting. This position requires calculating income, analyzing debt and assets, as well as completing an in-depth review of the completed appraisal and title. Additional responsibilities include entering data into the clients loan operating system, utilizing an automated underwriting system to determine approval and clearing conditions for Final Approval. Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills Essential Job Functions: Perform complete and in-depth review of mortgage loan files including income, assets, credit and collateral Utilize client’s loan operating system to ensure accurate data entry Underwrite loans in accordance with client guidelines, utilizing AUS or manual guidelines Evaluate and ensure overall loan documents are accurate, complete, and compliant Ability to identify and/or clear red flag or s Issue loan decision and condition file accordingly Review and approve conditions for compliance and completion of loan file Provide excellent customer service to internal and external clients Maintain current knowledge of client and investor requirements Resolve pre and post-closing issues as they relate to underwriting Assist Processors/Loan Officers in understanding underwriting decisions and conditions Must be able to work in a high stress environment while delivering a high-level of customer service Ability to work more than 40 hours, on an as needed basis Requirements Minimum 2+ years current conventional mortgage loan underwriting experience Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags Basic knowledge of appraisal and ability to recognize red flags and ineligible properties Thorough working knowledge of GSE underwriting guidelines and automated underwriting engines (DU/LP) Strong analytic, interpersonal, and verbal and written communication skills Detail-oriented with strong ability to time manage Ability to work in a flexible and production-oriented environment Must be willing and able to work as part of a team Strong capability to work in multiple systems - paperless environment Must be willing to work in strict security environment NMLS-MLO Licensure preferred Candidates must be available to work outside of normal business hours when necessary Kindly apply only if you have experience with US Mortgage Underwriter (Residential). You can also share your updated resume to my email id: renita.lasrado1@mphasis.com

Job Title: US Mortgage Underwriter Location: [Pune / Chennai] Employment Type: Full-Time About the Role: We are seeking a detail-oriented and experienced US Mortgage Underwriter to join our dynamic team. In this role, you will be responsible for the end-to-end underwriting process of residential mortgage loans, ensuring compliance with investor guidelines, company policies, and regulatory requirements. Key Responsibilities: Review and analyze mortgage loan applications, credit reports, income documentation, and property appraisals. Perform risk assessments and make sound underwriting decisions on conventional, FHA, VA, and USDA loans. Ensure loans meet all investor and regulatory guidelines (Fannie Mae, Freddie Mac, etc.). Communicate underwriting decisions and conditions clearly to processors and loan officers. Maintain high levels of accuracy and productivity while meeting service level agreements (SLAs). Stay updated on industry trends, underwriting guidelines, and compliance regulations. Qualifications: 3+ years of experience in US mortgage underwriting (end-to-end). DE/SAR/LAPP certification preferred. Strong knowledge of AUS systems (DU, LP). Familiarity with Encompass or similar LOS platforms. Excellent analytical, communication, and decision-making skills. Ability to work independently in a fast-paced, deadline-driven environment. Why Join Us? Competitive salary and performance-based incentives Flexible work environment (remote/hybrid options) Health, dental, and vision insurance Opportunities for growth and professional development Supportive and collaborative team culture Apply Now If you're passionate about mortgage underwriting and want to be part of a growing, innovative team, wed love to hear from you! HR Janavi Gollapalli Email Id: Janavi.gollapalli@mphasis.com

Greetings, We have an opening for one of our clients Mphasis, permanent position exp in income calculations, tax returns, reading credit reports, identifying red flags knowledge in GSE underwriting, automated underwriting. Note : US Shift ( 6:30 pm -3:30am )

Designation - QA - Underwriting Shift US night shift ( WFO) Qualification - Graduate JD: Position Overview: The Underwriters primary responsibilities include reviewing mortgage files submitted to Underwriting. This position requires calculating income, analyzing debt and assets, as well as completing an in-depth review of the completed appraisal and title. Additional responsibilities include entering data into the clients loan operating system, utilizing an automated underwriting system to determine approval and clearing conditions for Final Approval. Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills. Essential Job Functions: Perform complete and in-depth review of mortgage loan files including; income, assets, credit and collateral Utilize clients loan operating system to ensure accurate data entry Underwrite loans in accordance with client guidelines; utilizing AUS or manual guidelines Evaluate and ensure overall loan documents are accurate, complete, and compliant Ability to identify and/or clear red flag or s Issue loan decision and condition file accordingly Review and approve conditions for compliance and completion of loan file Provide excellent customer service to internal and external clients Maintain current knowledge of client and investor requirements Resolve pre and post-closing issues as they relate to underwriting Assist Processors/Loan Officers in understanding underwriting decisions and conditions Must be able to work in a high stress environment while delivering a high-level of customer service Ability to work more than 40 hours, on an as needed basis

Job Description: US Mortgage Location: Noida Shift Timings: Flexible (Rotational Shifts) About the Role: NLB Services is Looking forward to hiring underwriters who have experience in the US Mortgage industry or Quality review experience . Experience:- 1 to 4 years Job Location: Noida (Work from Office) Shift:- 5.30 PM to 2.30 AM Immediate joiners are preferred. Both Sides Cabs Available Skills - Loan Servicing , Loan Processing , underwriter , US Mortgage, Quality review check ,Quality review

Job Description: Fresher - Banking and Financial Services Location: Noida Shift Timings: Flexible (Rotational Shifts) About the Role: We are seeking motivated and adaptable freshers to join our team in the Banking and Financial Services sector. This is an excellent opportunity for individuals looking to start their careers in a dynamic industry, with multiple process roles available, including research, remediation, keying, and data entry.

Role & responsibilities Perform complete and in-depth review of mortgage loan files including; income, assets, credit and collateral Utilize clients loan operating system to ensure accurate data entry Underwrite loans in accordance with client guidelines; utilizing AUS or manual guidelines Evaluate and ensure overall loan documents are accurate, complete, and compliant Ability to identify and/or clear red flag Issue loan decision and condition file accordingly Review and approve conditions for compliance and completion of loan file Provide excellent customer service to internal and external clients Maintain current knowledge of client and investor requirements Resolve pre and post-closing issues as they relate to underwriting Assist Processors/Loan Officers in understanding underwriting decisions and conditions Must be able to work in a high stress environment while delivering a high-level of customer service Ability to work more than 40 hours, on an as needed basis Preferred candidate profile Minimum 2+ years current conventional mortgage loan underwriting experience Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags Basic knowledge of appraisal and ability to recognize red flags and ineligible properties Thorough working knowledge of GSE underwriting guidelines and automated underwriting engines (DU/LP) Strong analytic, interpersonal, and verbal and written communication skills Detail-oriented with strong ability to time manage Ability to work in a flexible and production-oriented environment Must be willing and able to work as part of a team Strong capability to work in multiple systems - paperless environment Must be willing to work in strict security environment NMLS-MLO Licensure preferred Candidates must be available to work outside of normal business hours when necessary

Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. Review all required loan data, reports, and inspections. Required Candidate profile • Degree or Equivalent • Minimum 2 years of experience in US Mortgage Residential Live Underwriting • Well-versed with all 4C’s of Underwriting (Asset, Income, Credit and Collateral min into.

US Residential Mortgage Live Underwriting or End-to-End Underwriting Experience: 2+ years Work Mode: Work From Home CTC: to 13 LPA Shift: Night Shift Qualification: Any Degree (No Backlogs) Call 9003030605 Share resume to hr@linknight.in Required Candidate profile Should have a minimum of 2 years of experience in live or end-to-end underwriting. Must work with income calculation with self-employment. Must be flexible with working "US Shift and WFO in Chennai