Job Title

Greeting from Infosys BPM Ltd.We are hiring candidates for US Mortgage-Underwriting Skill.Please walk-in for interview on 07th Apr 2026 (Tuesday) at Bangalore Location.Note: Please carry copy of this email to the venue and make sure you register your application before attending the walk-in. Please use below link to apply and register your application.Please mention Candidate ID on top of the Resume **Process Specialist- 6Yrs to 8Yrsexperience:238810Interview details:Interview Date: 07th Apr 2026(Tuesday)Interview Time: 10:00 AM till 12:30 PMInterview Venue: Bangalore :: E-City Phase 2,Infosys Limited, No. 40/P-41/P, Gate # : 2 electronic City phase 2, Industrial Area, Konappana Agrahara, Bangalore 560100.Landmark : In Between Sunik Industries and Tejas Networks.Please find below Job Description for your reference:Job Location: BangaloreQualification: Any Graduates - Full time GraduatesExperience: 6 - 8 YearsNotice Period: Immediate to 60 DaysShift: Flexible to work with any shiftsWork From Office is mandatoryJob Level: 4ADesignation : Team LeadJob descriptionPurpose of the RoleThe Underwriter will review all loan documents and data in a loan file with the goal of rendering an Underwriting decision based on the loan characteristics including but not limited to Borrowers ability to repay (income, employment and assets), borrowers credit history and the collateral (property). UWs are granted Lending Authority based on their experience and their performance on initial test cases. Once Lending Authority is received, they underwrite loans in accordance with regulatory requirements, Investor guidelines and overlays.Areas of ResponsibilityExperience in handling team of 1 to 8 UnderwritersUnderwrites mortgage loan applications and evaluates loans to maximize organizational profit and minimize risk or loss.Closely monitor individual processing pipeline, workload and volume levels for maximum balance and efficiency.Responsible for ensuring all documentation meets program and AUS requirementsReviews and validates income and asset documentationReviews AUS findingsIssues underwriting decision and notifications of clear to closeReviews all credit documentationReviews and approves all TrustsEnsure adherence to any overlaysMortgage Insurance certsIssues Denials and 2nd tier manager reviewsSuspend file if credit decisions are unable to be renderedStrong understanding of Desktop Underwriting (DU) and Loan Prospector (LP)Analyze Income & employment, credit strength, property appraisal, check over debt to Income (DTI) and Loan to value (LTV)and all other information pertinent to the credit decision process on each mortgage application, as presented by the applicantUnderwriter to validate that a prospective mortgagors loan application adheres to the Investors, Secondary Investors (Fannie & Freddie) and guidelines of applicable government agencies to approve the loanAnalyzing the risk involved in approving a loan to determine whether it is acceptable to the Investor or notCite defects for any deficiencies observed on the loan.Verify accuracy of the supporting employment documents, source of down payment/ reserves, appraisal value and property title commitment receivedReview legal documents, if present, to ensure the accuracy & completenessIdentify the mortgage insurance requirement (MI) and follow the MI guidelines, if applicableMay lead and direct the work of othersKnowledge, Skills required for the roleThe ideal candidate should have 48 months of experience of independently underwriting residential mortgage loans, expert analytical skills with DU & LP experience. Plus 12 months of people management experience.Should have minimum 36 months of Underwriting/Re-underwriting Mortgage experience in Conventional, FHA & VA loans (Government) productsMay require a bachelor's degree in area of specialty or a graduation degree for India operations and High School Diploma for US OperationsFamiliar with standard mortgage concepts, practices, and procedures within a particular field.Relies on limited experience and judgment to plan and accomplish goalsShould have working knowledge with any Mortgage loan origination application.Excellent mathematical and statistical aptitude.High degree of creativity and latitude as expectedDocuments and things to Carry:Carry a print out your updated resume;Carry any 2 photo Identity proof (PAN Card/Driving License/Voters ID card/Passport).All original education documents need to be available for verification. (10th, 12th, Graduation (Sem Wise Marksheet, CMM. Provisional and Original Degree)Candidates to carry mobile charger and ear/headphones to the hiring venue for in-person assessments and evaluationsPointers to note:Please do not carry laptops/cameras to the venue as these will not be allowed due to security restrictions. Original Government ID card is must for Security ClearanceRegards,Infosys BPMRecruitment team.