Salary :
This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Live Underwriter based in India.
In this role, you will be responsible for evaluating and underwriting mortgage loan applications in real time, ensuring that every decision is aligned with internal policies, investor requirements, and regulatory standards. You will work within a fast-paced financial services environment where accuracy, risk assessment, and timely decision-making are critical. The position plays a key role in safeguarding portfolio quality by reviewing creditworthiness, income verification, collateral strength, and loan documentation. You will collaborate closely with internal teams to resolve escalations and ensure smooth loan processing. The environment is detail-oriented and decision-driven, requiring strong analytical judgment and accountability. This is an opportunity to contribute directly to mortgage lending outcomes while working in a structured, high-responsibility underwriting function.
Accountabilities
In this role, you will independently assess mortgage loan applications and ensure they meet all eligibility, compliance, and risk requirements before final approval.
- Review and underwrite mortgage loan applications in accordance with established policies, investor guidelines, and regulatory standards.
- Evaluate credit, income, collateral, and overall borrower profile (4Cs) to determine loan eligibility and risk exposure.
- Analyze loan documentation, reports, and property inspections to ensure accuracy, completeness, and collateral acceptability.
- Make independent underwriting decisions regarding loan approvals, conditions, and risk acceptance.
- Issue final underwriting decisions and ensure all required conditions are appropriately signed off within defined timelines.
- Work on loan files using systems such as Encompass, ensuring proper documentation and workflow management.
- Collaborate with processors, advisors, and internal stakeholders to resolve escalations and clarify underwriting decisions.
Requirements
This role requires strong experience in mortgage underwriting with the ability to assess risk, interpret financial data, and make independent lending decisions.
- 3–8 years of experience in mortgage underwriting or live underwriting within financial services.
- Strong understanding of credit analysis, income assessment, collateral evaluation, and the 4Cs framework.
- Experience working with mortgage loan processes, including documentation review, compliance checks, and risk assessment.
- Familiarity with loan systems such as Encompass and related underwriting tools.
- Strong analytical and decision-making skills with the ability to work independently under guidelines.
- Excellent communication skills to coordinate with internal teams and explain underwriting decisions clearly.
- High attention to detail and ability to manage multiple loan files in a fast-paced environment.
Benefits
- Competitive compensation package aligned with experience (₹8–15 LPA range).
- Remote work arrangement with structured night shift scheduling.
- Opportunity to work in a core underwriting role within financial services.
- Exposure to mortgage lending processes, investor guidelines, and regulatory frameworks.
- Performance-driven environment with strong ownership of decision-making responsibilities.
- Collaboration with experienced teams in a high-impact lending operations setup.
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