Job Title

Experience:3–6 Years (with strong 4 C’s expertise)Location:RemoteJob Summary:We are looking for an experienced Live Underwriter with hands-on expertise in evaluating loans in real-time using the 4 C’s (Credit, Capacity, Capital, Collateral). The role involves making instant underwriting decisions, working closely with loan officers, and ensuring compliance with US mortgage guidelines.Key Responsibilities:Perform live underwriting of mortgage loans and make real-time credit decisionsAnalyze borrower profiles using the 4 C’s framework:Credit: Review credit history, scores, tradelines, and liabilitiesCapacity: Calculate income, analyze employment stability, and assess DTI ratiosCapital: Evaluate assets, reserves, and funds to closeCollateral: Review property appraisal, LTV ratios, and property eligibilityReview loan files including:Income documents (W-2s, pay stubs, tax returns)Bank statements and asset documentationCredit reports and liabilitiesIssue approval / suspense / decline decisions with clear conditionsInteract with loan officers in real-time (calls/chat) to resolve queriesEnsure compliance with FNMA, Freddie Mac, FHA, VA guidelinesIdentify risk factors and fraud indicatorsMaintain high productivity and turnaround time (TAT)Update loan status in LOS systems (e.g., Encompass)Required Skills:Strong experience in Live Underwriting (real-time decisioning)Deep knowledge of 4 C’s of underwritingExpertise in income calculation (salaried & self-employed)Knowledge of agency guidelines (FNMA, Freddie Mac, FHA, VA)Ability to make quick and accurate decisions under pressureExperience with LOS tools like EncompassExcellent communication skills (verbal & written)Preferred Qualifications:Bachelor’s degree in Finance/Commerce or related fieldMortgage underwriting certification (preferred)Experience working in US mortgage shiftKey Competencies:Real-time decision makingAnalytical thinkingAttention to detailStakeholder communicationTime managementNice to Have:Experience in Delegated Underwriting (DU/LP)Knowledge of compliance, audits, and QC processesFamiliarity with mortgage fraud detection tools