Job Title

Mega Walkin Drive on 26nd and 27rd-Sep-2025 In BangaloreJob Overview:The Conventional Underwriter reviews, conditions and underwrites US mortgage loans in accordance with establishedpolicies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness.Job Roles and Responsibilities: Review and analyse the mortgage loan application to ensure eligibility, accuracy, completeness, andcompliance with internal and regulatory guidelines to minimize risk factors. Review all required loan data, reports, and inspections to insure the collateral is acceptable to investorand the company. Knowledge of Lending & Underwriting Guidelines | Credit & Income Analysis | Cash Flow Analysis | RiskAssessment | Loan-to-Value Ratios | Debt-to-Income Ratios Review Initial application - Verify loan, property, borrowers’ information with other available documents -Verify borrower's monthly income and expenses - Verify other relevant sections. Review all the documents related to borrower’s Credit, Capacity, Collateral and Capital. Calculate asset required for closing and reserve purpose for the transaction (as per guideline) Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines. Provides final approval underwriting of mortgage loans. Completes all required paperwork and forms in a timely and accurate manner; prepares required forms. Sign off conditions in a timely manner set by management. Work with staff and management to find solutions on escalated loans. May be requested to make recommendations for improving Internal Audit’s policies and practices. Manage loans by using all functions of Encompass. Effectively communicate underwriting decisions with processors and advisors Maintain high level of customer service and communication with other departments. Other duties as assigned.Qualification & Experience Degree or Equivalent Minimum 4 years of experience in conventional/govt end to end underwriting. Well-versed with all 4C’s of Underwriting (Asset, Income, Credit and Collateral)