Senior US Mortgage Underwriter

Job Title:Senior Frontline Underwriter Residential Mortgage.

Location:India (Work from Office Night Shift aligned with US hours)

Experience:5+ Years

Industry:US Mortgage / Residential Underwriting

Employment Type:Full-time

Key Responsibilities:

• Review and verify all loan applications and supporting documents.
• Analyze credit, income, and asset documentation including 1040s, K1s, bank statements, and other financial records.
• Identify risks and inconsistencies within mortgage loan files.
• Perform both AUS (DU, LP) and manual underwriting.
• Run and analyze fraud detection reports (Fraud Guard, Fraud Manager, DRIVE).
• Ensure compliance with agency guidelines (FHA, VA, FNMA, FHLMC, USDA).
• Apply internal credit policies, TRID, and mortgage regulatory standards.
• Accurately document underwriting decisions and communicate conditions or declinations.
• Maintain high-quality output with minimal supervision under strict timelines.
• Collaborate with internal teams and respond to client inquiries professionally.
• Perform any additional responsibilities assigned by the reporting manager.

Required Skills and Experience:

• Minimum 5+ yearsof recent US Residential Mortgage underwriting experience.
• Sound knowledge ofFHA, VA, FNMA, FHLMC, USDAguidelines and Non-QM products.
• Strong experience in compliance, disclosures, closing documentation, or post-close due diligence.
• Excellent analytical and documentation skills.
• Familiarity withLOS platformssuch as Encompass, BytePro, Calyx, Empower, Lending QB.
• Strong understanding of US mortgage regulatory changes and TRID.
• Ability to work in high-volume environments and meet deadlines.
• Exceptional communication (verbal & written) and time-management skills.

Preferred Qualifications:

• Experience in underwritingJumbo and Bank Statement programs.
• Exposure to third-party fraud tools likeFraud Guard, Fraud Manager, DRIVE.
• Strong knowledge of US Mortgage processes and investor guidelines