Job Description

POSITION SUMMARY:

Lead Underwriter

JOB FUNCTIONS AND RESPONSIBILITIES

To work on loan underwriting and complete the daily target or assignments. Have experience in US Mortgage Underwriting. Working on 4 C's (Credit, Capacity, Capital, and Collateral). Knowledge on Income Calculations (Wage, Self Employed and other incomes). Knowledge on Credit review (liability reconciliations and guideline requirements) Knowledge on Assets/Capital review with guideline requirements. Knowledge in LTV, CLTV calculations, PITI and DTI calculations. Knowledge in Fannie Mae and Freddie Mac guideline requirements. Knowledge in Govt. loans (FHA, VA and USDA) Knowledge on FHA/VA/USDA guideline requirements. Good communication skill.

EDUCATION / EXPERIENCE

Any degree with US Mortgage Underwriting experience.

WORK SCHEDULE OR TRAVEL REQUIREMENTS

This role operates on a night shift, aligned with US business hours.


o Follows a Hybrid Work Model: a mix of remote and in-office work.


o Work from Office is mandatory during:


The training period The certification phase Any time as per business requirements
o Minimal travel may be required for team meetings, audits, or client interactions.