Lead Associate - Operations

WNS; Gurgaon; On-site; INR 600,000 - 1,000,000; Full time

Job summary

WNS, part of Capgemini, is seeking a Mortgage Underwriting Associate in Gurgaon to evaluate residential loan applications (1-4 family). You will review income, assets, liabilities, and collateral, apply agency guidelines, and render underwriting decisions.

The role emphasizes accuracy, timely processing, and customer care, with daily production targets, SLA, and quality requirements. Bachelor's degree required; knowledge of underwriting systems and fraud prevention is a plus.

Qualifications

• Bachelor's degree in any stream.
• Knowledge of mortgage underwriting and Agency guidelines.

Responsibilities

• Evaluate mortgage applications for accuracy and completeness.
• Review income, assets, liabilities, and credit.
• Apply agency guidelines and underwriting policies.
• Render timely loan eligibility decisions.
• Maintain confidentiality and provide excellent customer care.
• Meet daily production, SLA, and quality targets.
• Utilize underwriting systems and tools.
• Support other departments as needed.

Skills

Mortgage underwriting

Agency guidelines

Income analysis

Credit analysis

Documentation review

Customer service

Education

Bachelor's degree

Job description

Job Description:

Company Description

WNS, part of Capgemini, is an Agentic AI-powered leader in intelligent operations and transformation, serving more than 700 clients across 10 industries, including Banking and Financial Services, Healthcare, Insurance, Shipping and Logistics, and Travel and Hospitality. We bring together deep domain excellence – WNS’ core differentiator – with AI-powered platforms and analytics to help businesses innovate, scale, adapt and build resilience in a world defined by disruption.Our purpose is clear: to enable lasting business value by designing intelligent, human-led solutions that deliver sustainable outcomes and a differentiated impact. With three global headquarters across four continents, operations in 13 countries, 65 delivery centers and more than 66,000 employees, WNS combines scale, expertise and execution to create meaningful, measurable impact.

Job Description

Position Summary: The Mortgage underwriting associate evaluate and determine the eligibility of loan applications of residential mortgage (1-4 family) loans. Mortgage underwriting associate role includes but not limited to analyzing and verifying loan applications, review of all 4 C’s, evaluating risks, and making loan eligibility decisions.The incumbent ensures the accurate, efficient, and timely flow of information/documentation for offering quality and efficient services.

• Knowledge of mortgage underwriting and Agency automated underwriting systems
• Demonstrate a full understanding of agency guidelines as well as posted Lender internal guidelines
• Review all mortgage applications and documentation for accuracy and completeness
• Review and be able to complete a full analysis of all types of income (Self/Rental/Wage/etc), Assets, Liabilities, Credit and Collateral.
• Analyze credit, income, and assets on a loan-by-loan basis to properly assess individual risk, and promptly provide underwriting decisions to Mortgage Originators
• Review property documentation including title commitments, sales contracts, insurance, and flood determinations
• Maintain a well-developed knowledge of loan product guidelines and industry regulations, including assisting in the prevention, detection, and resolution of mortgage fraud
• Review and analyze appraisals for value and compliance with industry requirements
• Demonstrate the ability to independently make sound decisions based on the creditworthiness of the applicants based on established underwriting guidelines, policies, procedures, knowledge, and experience
• Provide exceptional customer care (both internal and external) in a manner that satisfies the individual needs of each customer and builds loyalty to the client
• Maintain confidentiality of all customer and employee information
• Respond positively to feedback and redirection
• Fully utilize systems, tools, training, and resources provided to maximize potential
• Assist other departments as needed
• Meeting daily production.
• Meeting the daily SLA requirement
• Meeting the daily Quality requirements

Qualifications

Bachelors in any stream.

Requirements: