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Underwriter – Operations


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Indecomm is looking for an Underwriter – Operations who will play the detail-oriented role of evaluating mortgage files as per the applicable GSE/Government Agency selling guides and Lender overlays.

Job Brief

The Underwriter is responsible for determining if the risk covering the mortgage loan is as per the guidelines and covered adequately by the cited collateral property. The transaction should also comply with all the applicable Federal, State, and Local regulations.

Roles and Responsibilities

  • Perform end-to-end risk analysis of a loan file.
  • Evaluate loan risk through verification of loan application.
  • Maintain a thorough working knowledge of industry standards and guidelines.
  • Review and respond to loan conditions as needed.
  • Ensure compliance with regulatory standards.
  • Perform other ad hoc activities as required by the team.
  • Meet and excel at daily as well as long-range targets.


  • Graduate with 4 to 5 years of underwriting experience.
  • Hands-on experience in mitigating risks on a loan file for at least 5 years.
  • Good working knowledge of mortgage loan processing & relevant legal regulations.
  • Good knowledge of identifying risks on a loan file.
  • Knowledge of the prevalent US residential mortgage guidelines (loan qualification, eligibility requirements, etc.)
  • Ability to review all the components required for the Underwriting review like credit review, asset review, collateral review, income review & other factors.
  • Ability to interpret & act on guideline changes.
  • Working knowledge of underwriting for government & conventional loans.
  • Knowledge of standard mortgage nomenclature.
  • Eye for detail, reporting, problem solving & timeliness.
  • Problem-solving ability by connecting the dots across the loan documentation.
  • Good verbal and written communication skills.
  • Keen analytical skills and the ability to make decisions based on key facts.
  • Competence at MS Office applications, LOS, LMS, selling guide navigation.
  • Willingness to work in nightshift.