Required Skills

Credit Risk Assessment, Income & Asset Analysis, Debt-to-Income (DTI) & Loan-to-Value (LTV) Analysis, Automated Underwriting Systems (AUS), Regulatory & Compliance Knowledge, Attention to Detail, Risk Mitigation & Decision Making, Conditioning & Documentation Review, Communication & Stakeholder Coordination, Cross-Market Mortgage Knowledge (US & UK)

Job Description

We are seeking an experienced U.S. Mortgage Underwriter to perform end-to-end underwriting activities across the mortgage lifecycle. The role involves reviewing and analysing mortgage loan applications for eligibility, risk, and compliance, making independent credit decisions, and providing final loan approvals. The Underwriter will collaborate closely with internal teams to ensure timely, accurate, and compliant loan processing while adhering to investor, regulatory, and company guidelines.

Requirements

Key Responsibilities

Underwriting & Credit Decisioning

· Review and analyse mortgage loan applications for eligibility, accuracy, and regulatory compliance.

· Evaluate borrower creditworthiness, income, assets, liabilities, collateral, and Loan-to-Value (LTV) ratios.

· Perform comprehensive underwriting analysis and make independent decisions on loan acceptance, conditions, or decline based on risk assessment.

· Provide final underwriting approval on mortgage loans in line with delegated authority.

Loan Lifecycle Support

· Perform underwriting analysis across the loan lifecycle, including:

o Loan origination support

o Underwriting coordination and review

o Document verification and validation

o Loan closing and post-closing activities

· Ensure loan files are complete, accurate, and ready for closing within defined SLAs.

Compliance, Risk & Quality

· Ensure all loans meet investor, regulatory, QC, and compliance guidelines (FHA, FNMA, FHLMC, VA, as applicable).

· Identify discrepancies, conditions, and potential risk factors; clearly document and communicate findings to relevant teams.

· Maintain accurate underwriting notes, checklists, and audit-ready documentation.

Escrow, Title & Servicing Support

· Review escrow and title documents to ensure accuracy and compliance with underwriting requirements.

· Support loan boarding and servicing by validating approved loan data.

· Assist with default and foreclosure support by reviewing loan documents and underwriting decisions, as required.

Collaboration & Systems

· Collaborate with processing, closing, QC, and servicing teams to resolve escalations and complex underwriting scenarios.

· Manage loan files and underwriting workflows using Encompass and other Loan Origination Systems (LOS).

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Required Skills & Qualifications

· Bachelor’s degree in any discipline.

· 3–6 years of experience in U.S. mortgage underwriting or pre-underwriting.

· Strong knowledge of US mortgage processes, underwriting guidelines, and risk assessment.

· Hands-on experience with Encompass LOS and related mortgage systems.

· Solid understanding of credit reports, income analysis, financial statements, and collateral evaluation.

· Experience in QC, compliance, post-closing, and pre-purchase review activities.

· Strong analytical, decision-making, and problem-solving skills.

· Excellent documentation, communication, and stakeholder coordination abilities.

· Ability to work independently in a fast-paced, deadline-driven environment.

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Preferred Qualifications

· FHA, FNMA, FHLMC, or VA underwriting exposure.

· Certification in mortgage underwriting or related fields.

· Experience handling escalations, audits, or investor reviews.

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Security & Confidentiality

This role involves access to sensitive financial and customer information. The selected candidate must strictly adhere to company information security policies and confidentiality standards.

Equal Opportunity Statement

We value diversity and inclusion. As an equal opportunity employer, we welcome applicants from all backgrounds and walks of life.

Security & Confidentiality Statement

This role may involve access to sensitive business information. The selected candidate is expected to follow internal information security policies and maintain strict confidentiality when handling proprietary or confidential data.