Underwriter

Key Responsibilities

• Review and analyse mortgage loan applications for eligibility, accuracy, completeness, and compliance.
• Evaluate borrower documentation, loan data, reports, and property/collateral information.
• Perform end-to-end underwriting and make independent decisions based on investor, company, HUD, and regulatory guidelines.
• Provide final underwriting approval or identify appropriate conditions.
• Review and clear underwriting conditions accurately and within defined timelines.
• Assess income, assets, credit, liabilities, and collateral to determine overall loan risk.
• Ensure collateral meets investor and company requirements.
• Communicate underwriting decisions and requirements effectively with processors, loan officers, and other stakeholders.
• Handle escalated loans and work with internal teams to resolve complex underwriting issues.
• Maintain accurate documentation and complete all required underwriting forms.
• Use Encompass effectively for loan processing, review, and management.
• Maintain strong quality, productivity, compliance, and customer service standards.
• Support process improvement and internal audit initiatives when required.

• Bachelors degree or equivalent qualification.
• Minimum 2 years of hands-on experience in US Mortgage Underwriting / Live Underwriting.
• Strong experience in Conventional and/or Government loan underwriting.
• Good understanding of the 4 Cs of Underwriting: Credit, Income/Capacity, Assets, and Collateral.
• Strong knowledge of mortgage underwriting guidelines and investor requirements.
• Hands-on experience with Encompass is preferred.
• Strong analytical, decision-making, and risk-assessment skills.
• Excellent written and verbal communication skills.
• Ability to manage multiple loans while maintaining accuracy and turnaround time.

• Experience in end-to-end mortgage underwriting.
• Exposure to US mortgage products, investor guidelines, and regulatory requirements.
• Experience handling complex or escalated mortgage files.