Senior Underwriter

Job Title: Senior Underwriter – Residential Mortgage.

Location: Pune & Mumbai (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

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Required Skills and Experienc

• e:Minimum 5+ years of recent US Residential Mortgage underwriting experienc
• e.Sound knowledge of FHA, VA, FNMA, FHLMC, USDA guidelines and Non-QM product
• s.Strong experience in compliance, disclosures, closing documentation, or post-close due diligenc
• e.Excellent analytical and documentation skill
• s.Familiarity with LOS platforms such as Encompass, BytePro, Calyx, Empower, Lending Q
• B.Strong understanding of US mortgage regulatory changes and TRI
• D.Ability to work in high-volume environments and meet deadline
• s.Exceptional communication (verbal & written) and time-management skill

s.
Preferred Qualificatio

• ns:Experience in underwriting Jumbo and Bank Statement progra
• ms.Exposure to third-party fraud tools like Fraud Guard, Fraud Manager, DRI
• VE.Strong knowledge of US Mortgage processes and investor guideli