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Niche US mortgage skillset but mid-level experience and metro location create moderate competition.
Specialized US mortgage underwriting experience limits cross-industry transferability.
Mandatory US mortgage underwriting experience, DU/AUS and LOS requirements make shortlisting strict.
Review and analyze loan applications including 1003/URLA, income, credit, and collateral to make independent underwriting decisions.
Evaluate borrower financials and property valuations, ensure compliance with lending guidelines and prepare detailed underwriting documentation.
Collaborate with stakeholders to communicate loan decisions, manage workflow, identify risks, and track loan progress using LOS (preferably Encompass).
Minimum 2 years of US Residential Mortgage live underwriting experience.
Strong knowledge of 1003/URLA loan documentation and DU/AUS systems.
Experience with income, credit, asset, and liability analysis; Non-QM / DSCR experience preferred.
Education: HSC or Graduate passouts eligible. Work Experience Required: Minimum 2 years underwriting.
Experienced in making underwriting decisions for US residential mortgage loans with proficiency in analyzing complex borrower financials and property details.
Familiarity with underwriting workflows and loan origination systems, especially Encompass.
Capable of managing risk identification, regulatory compliance, and effective communication across underwriting lifecycle.