US Mortgage Underwriter
Gratitude IncUS Mortgage Underwriter
Job Description
Key Skills
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Mortgage QC Underwriter – End-to-End
Pune / Gandhinagar | US Shifts | Up to ₹12 LPA | 6–12 Years Experience
About the Role
Your scrutiny protects millions. As a Mortgage QC Underwriter, you’ll be the final checkpoint on closed loan files—reviewing credit decisions, verifying documentation, and ensuring every application meets investor and agency standards. Your analysis of income, assets, credit, and property will determine whether a loan is truly fundable. This role is all about precision, risk awareness, and an unwavering commitment to quality. You’ll work with a fast-paced, collaborative team that values your expertise, provides ongoing upskilling, and rewards attention to detail.
What You’ll Do
Quality Control & Loan Review
- Perform comprehensive QC on closed mortgage loans, re-underwriting credit decisions against policy, investor (Fannie Mae/Freddie Mac), and government agency guidelines.
- Analyze and validate all aspects of the loan file: income and employment documentation, credit strength, property appraisal, debt-to-income (DTI), loan-to-value (LTV), source of down payment/reserves, and title commitment.
- Verify accuracy of legal documents and identify mortgage insurance (MI) requirements, applying MI guidelines where applicable.
- Pinpoint and document any deficiencies, errors, or inconsistencies—ensuring nothing slips through.
Operational Excellence
- Maintain strict service level standards and underwriting deadlines.
- Respond to all queries and emails promptly and accurately.
- Provide floor support, mentor new hires, and perform internal quality checks with constructive feedback.
- Prioritize and multitask across multiple computer programs and monitors in a fast-paced, US-shift environment.
What You’ll Bring
Experience & Knowledge
- 6–12 years of conventional US mortgage underwriting, QA, or QC experience—covering the full loan cycle from application to closing.
- Strong working knowledge of Desktop Underwriter (DU), Loan Prospector (LP), and familiarity with FNMA/FHLMC guidelines. MI guideline exposure is a distinct advantage.
- Essential: Graduation with a minimum of 24–36 months of hands-on US mortgage underwriting.
Skills & Competencies
- Sharp analytical mindset with a proven ability to resolve complex loan-level issues independently.
- Excellent verbal and written communication skills; you explain findings clearly and professionally.
- Detail-oriented and organized—you can juggle multiple loans, screens, and tasks without losing focus.
- A positive, flexible attitude; willingness to work permanent night shifts.
- Team player with strong interpersonal skills and a customer-focused approach.
Eligibility & Required Documents
- Graduates with relevant US mortgage experience as above.
- Candidates currently or previously employed by certain partner organizations may not be eligible; this will be clarified during initial screening.
- PAN card and date of birth are required for profile creation upon selection.
What on Offer
A competitive compensation package up to ₹12 LPA, tailored to your experience and expertise. You’ll join an environment that champions career growth through continuous learning, internal mobility, and a culture that values accuracy as much as innovation.
How to Apply
Ready to bring your underwriting judgment to a role where quality always wins? Submit your application along with an updated CV. We’re excited to meet detail-obsessed professionals who want to make a lasting impact, one loan file at a time.
Role
Account Manager
Timings
US-Type Shift (Permanent)
Industry
Banking / Financial Services / Broking
Work Mode
Work from office
Process
Chat
Functional Area
ITES / BPO / Customer Service
Note: Myglit doesn't charge any money from candidates. If you have been asked to pay money to get this job then report to us immediately at support@myglit.com.
Interview Tips
- Giving the VNA round?
- What are the most important skills you acquired as a Soft Skills/VNA trainer?
- How would you handle an irate customer?
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