Underwriter

Key Responsibilities - Review and analyse mortgage loan applications for eligibility, accuracy, completeness, and compliance. - Evaluate borrower documentation, loan data, reports, and property/collateral information. - Perform end-to-end underwriting and make independent decisions based on investor, company, HUD, and regulatory guidelines. - Provide final underwriting approval or identify appropriate conditions. - Review and clear underwriting conditions accurately and within defined timelines. - Assess income, assets, credit, liabilities, and collateral to determine overall loan risk. - Ensure collateral meets investor and company requirements. - Communicate underwriting decisions and requirements effectively with processors, loan officers, and other stakeholders. - Handle escalated loans and work with internal teams to resolve complex underwriting issues. - Maintain accurate documentation and complete all required underwriting forms. - Use Encompass effectively for loan processing, review, and management. - Maintain strong quality, productivity, compliance, and customer service standards. - Support process improvement and internal audit initiatives when required. Required Skills & Qualifications - Bachelor's degree or equivalent qualification. - Minimum 2 years of hands-on experience in US Mortgage Underwriting / Live Underwriting. - Strong experience in Conventional and/or Government loan underwriting. - Good understanding of the 4 Cs of Underwriting: Credit, Income/Capacity, Assets, and Collateral. - Strong knowledge of mortgage underwriting guidelines and investor requirements. - Hands-on experience with Encompass is preferred. - Strong analytical, decision-making, and risk-assessment skills. - Excellent written and verbal communication skills. - Ability to manage multiple loans while maintaining accuracy and turnaround time. Preferred Experience - Experience in end-to-end mortgage underwriting. - Exposure to US mortgage products, investor guidelines, and regulatory requirements. - Experience handling complex or escalated mortgage files.