US Mortgage Underwriter

WE’RE HIRING | US MORTGAGE UNDERWRITER – L2 for a Leading IT/ITES firm.

📍 Location: Kochi, Kerala

🏢 Work Mode: Work from Office for the first 6 months → Work from Home thereafter

💼 Experience: 2–5 Years | US Mortgage Underwriting

👥 Vacancies: 35

💰 CTC: ₹10 LPA depends on experience

🎁 Joining Bonus: Up to ₹1,00,000*

📅 Joining Date: 5 October 2026

⏰ Shift: US Rotational Night Shifts

ABOUT THE ROLE

We are looking for experienced US Mortgage Underwriters to join our L2 underwriting team in Kochi.

The role involves evaluating residential mortgage loan applications, assessing borrower eligibility and credit risk, reviewing income and assets, validating collateral, and ensuring compliance with agency, investor, and regulatory guidelines.

You will work across Conventional, Non-QM, DSCR and alternative-documentation mortgage products in a fast-paced, high-volume environment.

KEY RESPONSIBILITIES

• Underwrite Conventional, Non-QM, DSCR, Bank Statement and P&L-based mortgage loans.
• Analyze borrower income, assets, credit, employment and collateral to determine eligibility and risk.
• Evaluate alternative-income documentation, including Bank Statements, Asset Depletion, 1099, ITIN and P&L-only programs.
• Apply Fannie Mae, Freddie Mac, Non-QM, DSCR and investor-specific underwriting guidelines.
• Review loan documentation and issue appropriate Approvals, Conditions, Suspensions or Denials.
• Review and clear underwriting conditions and resubmitted documentation.
• Collaborate closely with Loan Officers, Processors, Brokers and internal teams to ensure timely loan decisions.
• Maintain accurate underwriting records and support quality control, compliance and audit requirements.
• Stay updated on changes in mortgage products, investor requirements and underwriting guidelines.

WHAT WE’RE LOOKING FOR

• 2–5 years of relevant US Mortgage Underwriting experience.
• Strong experience in Conventional and/or Non-QM underwriting.
• Good knowledge of Fannie Mae, Freddie Mac, Non-QM and DSCR guidelines.
• Strong understanding of income analysis, credit risk, assets and mortgage compliance.
• Hands-on experience with Loan Origination Systems (LOS) and Automated Underwriting Systems (DU/LP).
• Experience with LOS platforms such as Encompass, Calyx Point or similar systems.
• Strong analytical, decision-making and communication skills.
• Ability to manage multiple loan files while maintaining accuracy, quality and turnaround time.
• UG qualification is mandatory.

WHY JOIN?

🚀 Opportunity to work on US mortgage underwriting operations

📈 Strong career growth within a high-volume mortgage environment

💰 Competitive compensation up to ₹10 LPA

🎁 Joining bonus up to ₹1 lakh for eligible immediate joiners*

🏠 Work from Home after 6 months

IMPORTANT DETAILS

Immediate Joiners Preferred

• Candidates should be available to join on or before 5 October 2026.
• Willingness to work in US rotational night shifts is mandatory.
• Initial 6 months – Work from Office, Kochi
• Thereafter – Work from Home, subject to company policy.
• Salary will be determined based on experience, current/last CTC and supporting documentation.
• Joining bonus is applicable to eligible immediate joiners and is subject to company terms and conditions.

📩 Interested candidates can share their updated CV to helllo@hirevibetalent.com with the subject: “US Mortgage Underwriter – L2 | Kochi