Job Summary:
We are looking for an experienced Senior Mortgage Underwriter with strong expertise in US mortgage underwriting. The ideal candidate should have a solid understanding of GSE guidelines and the 4 C’s of underwriting (Credit, Capacity, Capital, and Collateral), along with the ability to perform detailed financial analysis and make sound credit decisions.

Key Responsibilities:

• Review and underwrite mortgage loan files in compliance with GSE guidelines (Fannie Mae/Freddie Mac).

• Analyze borrower financials including income, assets, credit, and collateral.

• Apply the 4 C’s of underwriting to assess loan eligibility and risk.

• Perform complex financial analysis and credit decisioning for mortgage applications.

• Ensure loan files meet regulatory and investor guidelines.

• Communicate underwriting conditions and decisions with internal teams.

• Maintain accuracy and compliance throughout the underwriting process.

Requirements:

• 5+ years of experience in US mortgage underwriting.

• Strong knowledge of GSE guidelines and underwriting standards.

• Expertise in complex financial analysis and credit decisioning.

• Experience working with US mortgage documentation and loan files.

• Strong analytical skills and attention to detail.

• Ability to work effectively in a US shift environment.

Location: Bangalore (On-site)