Analyst

Firstsource; India; On-site; INR 600,000 - 1,000,000; Full time

Job summary

A leading financial services company is hiring an experienced End-to-End Underwriter in US Mortgage. In this role, you will manage the complete underwriting lifecycle, assess applications using the 4Cs of Credit, and ensure compliance with regulatory guidelines. Strong analytical skills and experience in risk evaluation are essential. The position is based in India and aims to achieve accuracy and productivity targets in underwriting processes.

Responsibilities

• Perform end-to-end underwriting for loan/insurance applications.
• Assess applications using the 4Cs of Credit.
• Review credit reports and financial records.
• Conduct income analysis and debt-to-income calculations.
• Evaluate risk exposure and provide decisions.
• Identify red flags and potential fraud indicators.
• Ensure compliance with underwriting guidelines.
• Coordinate with teams for case resolution.
• Maintain accurate underwriting documentation.
• Achieve productivity and accuracy targets.

Skills

Strong analytical skills

Risk evaluation using 4Cs of Credit

Knowledge of underwriting lifecycle

Job description

We are hiring an experienced End-to-End Underwriter in US Mortgage (Must have) responsible for managing the complete underwriting lifecycle, from application review through final decisioning. The role requires strong analytical skills and hands-on experience evaluating risk using the 4Cs of Credit framework.

Key Responsibilities

• Perform end-to-end underwriting for loan/insurance applications in line with company risk policies
• Assess applications using the 4Cs of Credit — Character, Capacity, Capital, and Collateral
• Review credit reports, income documents, bank statements, and financial records
• Conduct income analysis, debt-to-income calculations, and affordability assessment
• Evaluate risk exposure and provide approval, decline, or conditional decisions
• Identify red flags, discrepancies, and potential fraud indicators
• Ensure compliance with regulatory and internal underwriting guidelines
• Coordinate with processing, operations, and business teams for case resolution
• Maintain accurate underwriting documentation and audit-ready records
• Achieve productivity, accuracy, and turnaround time (TAT) targets