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Us mortgage live underwriter

https://www.randstad.com Logo

Randstad

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Location:
India , Bangalore

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Salary:

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Job Description:

We are seeking an experienced and highly analytical US Mortgage Live Underwriter to join our team. The ideal candidate will possess extensive, mandatory knowledge of conventional, VA, and FHA loan products, Fannie Mae/Freddie Mac guidelines, and automated underwriting systems. This role demands a high level of proficiency in real-time, "live" underwriting, ensuring swift and accurate loan decisions.

Requirements:

  • Extensive, mandatory working knowledge of Conventional, VA, and FHA loan programs
  • Comprehensive and expert working knowledge of Fannie Mae (FNMA) and Freddie Mac (FHLMC) Guidelines
  • Extensive working knowledge of the 4 C's of Underwriting (Credit, Capacity, Collateral, Capital)
  • Detailed knowledge of Automated Underwriting Systems (DU, LP, GUS)
  • Well-versed in complex income calculations for salaried (W-2) and self-employed borrowers
  • Review, analyze, and render final credit decisions on mortgage loan applications in a live environment

Nice to have:

  • Working knowledge of additional product types (USDA, Jumbo, Reverse Mortgages, Non-QM, HELOC)
  • Knowledge of other specific agency guidelines (beyond FNMA/FHLMC)

Additional Information:

Job Posted:
December 24, 2025

Expiration:
February 07, 2026

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