Conventional Underwriter

Emapta Global; Coimbatore District; Remote; INR 1,200,000 - 1,600,000; Full time

Benefits offered by this job

Work from home arrangement

Medical life insurance

Mentorship and global exposure

Job summary

Emapta invites experienced conventional mortgage underwriters to join a fully remote role based in India. You will assess self-employed income, appraisals, collateral, and borrower's credit against Fannie Mae/Freddie Mac guidelines for a U.S. lender, collaborating with global teams and managers.

You will leverage DU, LP/LPA, CU, and Encompass to drive underwriting decisions, while maintaining strong English communication and adherence to SLAs in a dynamic, inclusive workplace.

Qualifications

• 3–5 years of Conventional Mortgage Underwriting experience.
• Experience with a U.S. company within the last 6 months.
• Thorough understanding of Fannie Mae and Freddie Mac guidelines.
• Experience reviewing appraisals and collateral.
• Strong underwriting experience for self-employed borrowers.
• Experience using DU, LP/LPA, CU, and Encompass.
• Ability to independently evaluate and defend underwriting decisions.
• Strong written and verbal English communication skills.

Responsibilities

• Review and underwrite conventional mortgage loans from submission through final approval.
• Approve, decline, suspend, or counter-offer loans based on underwriting findings.
• Sign off loan conditions before funding.
• Evaluate borrower creditworthiness, income stability, assets, and collateral.
• Analyze self-employed borrower income including business tax returns and cash-flow.
• Review and interpret S-Corporation financials and Schedule K-1s.
• Evaluate rental income, boarder income, and property income scenarios.
• Perform detailed appraisal and collateral reviews, including ADU properties.
• Provide underwriting support to production, funding, and account management teams.
• Respond to QC/QA and post-closing audit findings.
• Maintain required SLAs and turnaround times.

Skills

Underwriting experience

US mortgage knowledge

Self-employed income analysis

Credit & collateral evaluation

English communication

Tools

DU

LP/LPA

CU

Encompass

Job description

Underwriting Expertise at the Forefront of U.S. Mortgage Lending

Exceptional mortgage decisions rely on seasoned judgment, technical depth, and underwriting confidence. As a Conventional Underwriter, you'll evaluate sophisticated borrower profiles, self-employed income, appraisals, collateral, and credit against Fannie Mae and Freddie Mac guidelines. Strengthen your standing in U.S. mortgage underwriting with Emapta, connecting top 1% talent to international exposure, continuous development, and enduring career value.

Your Global Mortgage Snapshot

• Employment Type: Full-time
• Shift: Night Shift (Monday to Friday, 8:30 AM-5:30 PM or 8:30 AM-5:00 PM PST), Weekends Off
• Competitive package
• Medical life insurance
• Work from home arrangement
• Standard government and Emapta benefits
• Well-equipped, modern, and accessible offices
• Mentorship and exposure to global leaders and teams
• Diverse, inclusive, and supportive culture
• Unlimited upskilling through Emapta Academy courses (Want to know more? Visit: https://emapta.com/training-calendar/)

The Qualifications We Seek

• 3 to 5 years of recent Conventional Mortgage Underwriting experience
• Experience working with a U.S. company within the last 6 months
• Thorough understanding of Fannie Mae and Freddie Mac guidelines
• Experience reviewing appraisals and collateral
• Strong experience underwriting self-employed borrowers
• Experience using DU, LP/LPA, CU, and Encompass
• Ability to independently evaluate and defend underwriting decisions
• Strong written and verbal English communication skills

Your Daily Tasks

• Review and underwrite conventional mortgage loans from submission through final approval
• Approve, decline, suspend, or counter-offer loans based on underwriting findings
• Sign off loan conditions before funding
• Evaluate borrower creditworthiness, income stability, assets, and collateral
• Analyze self-employed borrower income, including business tax returns and cash-flow analysis
• Review and interpret S-Corporation financials and Schedule K-1s
• Evaluate rental income, boarder income, and property-income scenarios
• Perform detailed appraisal and collateral reviews, including Accessory Dwelling Unit (ADU) properties
• Provide underwriting support to production, funding, and account management teams
• Respond to Quality Control (QC), Quality Assurance (QA), and post-closing audit findings
• Maintain required Service Level Agreements (SLAs) and turnaround times

About the Client

Our client is an established U.S. wholesale residential mortgage lender connecting mortgage brokers with flexible financing solutions for diverse borrowers. Founded in 2007, they offer Conventional, FHA, VA, Non-QM, DSCR, bank statement, 1099, P&L, and alternative mortgage programs. As a direct seller to major U.S. housing agencies, they combine broad lending capabilities with experienced underwriting, competitive programs, responsive service, and streamlined processes designed to help broker partners navigate complex borrower scenarios and expand access to homeownership.

Join the Top 1% Talent. A Better Career. A Better Life.

Join us at Emapta, and let your professional journey flourish in the heart of India's vibrant culture!

Recognized as one of Asia's rising tech and outsourcing destinations, we offer a wealth of opportunities to showcase your talent to the world. At Emapta, we connect you with global clients, giving you international exposure without leaving the comfort of your home country. With over 1,200 international clients and a decade of proven success, we provide a strong foundation for your career growth. Here, innovation, collaboration, and continuous learning are part of everyday life, and work-life balance is more than just a promise-it's a reality.