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Us residential mortgage underwriter

https://www.randstad.com Logo

Randstad

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Location:
India , Hyderabad

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Category:

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Contract Type:
Not provided

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Salary:

Not provided

Job Responsibility:

  • Loan Analysis: Reviewing loan applications (1003) and documents (pay stubs, tax returns, bank statements) for accuracy and completeness
  • Risk Assessment: Evaluating the 4 C's of lending: Capacity (ability to repay), Capital (assets), Collateral (property value), and Credit
  • Decision Making: Issuing final decisions on loans (Approval, Suspension, or Denial) based on investor guidelines (Fannie Mae/Freddie Mac, FHA, VA)
  • Conditions Clearance: Reviewing and signing off on outstanding conditions (e.g., proof of insurance, updated pay stubs) before loan closing
  • Regulatory Compliance: Ensuring all loans adhere to federal and state regulations, such as TILA and Real Estate Settlement Procedures Act (RESPA)

Requirements:

  • Proven experience in US residential mortgage underwriting, often requiring 1–3 years or more
  • Strong understanding of FHA, VA, USDA, and conventional loan guidelines
  • Proficiency in Automated Underwriting Systems (AUS) like Desktop Underwriter (DU) or Loan Product Advisor (LP), and Loan Origination Systems (LOS)
  • High attention to detail with strong income calculation and debt-to-income (DTI) ratio analysis skills

Additional Information:

Job Posted:
February 26, 2026

Expiration:
April 17, 2026

Employment Type:
Fulltime
Job Link Share:

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