US Mortgage Live Underwriter

About Company:

Our client is a leading outsourcing partner specializing in mortgage, banking, and insurance operations. With a strong presence in the U.S., India, and the Philippines, they leverage technology and skilled talent to drive efficiency and transformation.

An Ideal Candidate:

The ideal candidate is a seasoned US mortgage underwriter who thrives in a fast-paced, live decisioning environment. You are confident making immediate underwriting calls and performing real-time underwriting decisions for US residential mortgage loans. You are comfortable interacting directly and live with processing teams, ensuring underwriting decisions are fast, accurate, and fully compliant. With a strong command of agency and investor guidelines, you take ownership of your decisions while maintaining excellent attention to detail and efficiency in a fully remote work setting.

Key Competencies:

• Strong expertise in US Residential Mortgage Live Underwriting
• In-depth knowledge of FNMA, FHLMC, FHA, and VA underwriting guidelines
• Proven ability to perform real-time underwriting decisions during live calls
• Advanced skills in reviewing 1003 loan applications for accuracy and compliance
• Expertise in income analysis (W2, Paystubs, Tax Returns, Self-Employed borrowers)
• Strong capability in reviewing bank statements, assets, large deposits, and gift funds
• Proficient in credit report analysis, liabilities assessment, and credit risk evaluation
• Experience reviewing appraisals, title, and property-related documents
• Ability to issue clear, well-documented approvals, conditions, suspensions, and denials
• Strong focus on quality, accuracy, and audit-ready documentation
• Excellent understanding of regulatory compliance and investor overlays
• Effective communication skills for live underwriting discussions with processors and sales teams
• Strong problem-solving and decision-making skills for complex loan scenarios
• Ability to independently manage escalations and exception cases
• Strong time management skills with consistent adherence to TAT and SLAs
• Proficiency with LOS systems and AUS tools (DU/LP)
• High attention to detail with a risk-based underwriting approach
• Demonstrated ability to work independently under pressure
• Strong sense of ownership, accountability, and ethical underwriting practices