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Underwriter – Operations


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Job Brief

The underwriting reviewer is responsible for evaluating mortgage files as per the applicable US GSE/Government Agency selling guides and the Lender overlays. The Underwriter is responsible for determining if the risk covering the mortgage loan is permissible as per guidelines and covers the collateral property adequately. The transaction should also comply with all 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 the loan application.
  • Maintain thorough working knowledge of industry standards and guidelines.
  • Review and respond to loan conditions as necessary.
  • Ensure compliance with regulatory standards.
  • Meet daily targets and all SLAs as communicated.
  • Perform other duties as assigned by the management.


  • Graduate with 4 to 5 years of relevant experience.
  • At least 5 years of hands-on experience in mitigating risks on a loan file.
  • Working knowledge of mortgage loan processing and relevant legal regulations.
  • Good knowledge of identifying risks on a loan file.
  • Knowledge of 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, and other factors.
  • Ability to interpret and act on guideline changes.
  • Working knowledge of underwriting government and conventional loans.
  • Knowledge of standard mortgage nomenclature.
  • Eye for detail in reporting, exemplary problem-solving abilities associated with loan documentation, and timeliness.
  • Good verbal and written communication skills.
  • Good analytical skills and the ability to make fact-based decisions.
  • Competent with MS Office applications, LOS, LMS, and Selling guide navigation.
  • Willingness to work in night shift.