Job Title

About the Role:We are seeking an experienced US Mortgage Specialist to join our dynamic team in Hyderabad. This role offers a hybrid work model, allowing for a balance of in-office collaboration and remote work. The ideal candidate will have a deep understanding of US mortgage underwriting processes, regulations, and guidelines, and will be responsible for ensuring the accuracy and completeness of mortgage loan applications.Key Responsibilities:- Analyze and verify loan applications to ensure eligibility, creditworthiness, and compliance with US mortgage lending regulations and guidelines. - Review financial statements, credit reports, and applicable ratios (i.e., Debt ratios, loan-to-value) to make loan eligibility decisions. - Evaluate mortgage loan requests and assess risks based on credit, capacity, and collateral considerations. - Ensure all required documentation is collected, reviewed, and accurately processed. - Work closely with loan processors and officers to provide guidance and clarification on underwriting standards and requirements. - Stay updated with changes in underwriting procedures, criteria, and regulatory requirements. - Provide timely and constructive feedback to agents and clients regarding loan decisions, conditions, and additional requirements. - Maintain a high level of customer service by being proactive in communication with clients and stakeholders.Qualifications:- Bachelor’s degree in Finance, Business Administration, or a related field. - Minimum of 5 years of experience in US mortgage underwriting. - Strong understanding of current US mortgage lending laws, regulations, and guidelines. - Familiarity with underwriting tools and software used in the US mortgage industry. - Excellent analytical and decision-making skills. - Strong attention to detail and accuracy. - Effective communication skills, both written and verbal. - Ability to work independently and collaboratively in a hybrid work environment.Preferred Skills:- Experience with FHA, VA, and conventional loan underwriting. - Certification in mortgage underwriting from a recognized institution. - Proficiency in risk analysis and mitigation.