Job Title

Experience: 3–6 Years (with strong 4 C’s expertise) Location: Remote Job 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 decisions - Analyze borrower profiles using the 4 C’s framework: - Credit: Review credit history, scores, tradelines, and liabilities - Capacity: Calculate income, analyze employment stability, and assess DTI ratios - Capital: Evaluate assets, reserves, and funds to close - Collateral: Review property appraisal, LTV ratios, and property eligibility - Review loan files including: - Income documents (W-2s, pay stubs, tax returns) - Bank statements and asset documentation - Credit reports and liabilities - Issue approval / suspense / decline decisions with clear conditions - Interact with loan officers in real-time (calls/chat) to resolve queries - Ensure compliance with FNMA, Freddie Mac, FHA, VA guidelines - Identify risk factors and fraud indicators - Maintain 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 underwriting - Expertise in income calculation (salaried & self-employed) - Knowledge of agency guidelines (FNMA, Freddie Mac, FHA, VA) - Ability to make quick and accurate decisions under pressure - Experience with LOS tools like Encompass - Excellent communication skills (verbal & written) Preferred Qualifications: - Bachelor’s degree in Finance/Commerce or related field - Mortgage underwriting certification (preferred) - Experience working in US mortgage shift Key Competencies: - Real-time decision making - Analytical thinking - Attention to detail - Stakeholder communication - Time management Nice to Have: - Experience in Delegated Underwriting (DU/LP) - Knowledge of compliance, audits, and QC processes - Familiarity with mortgage fraud detection tools