Senior Mortgage Underwriter/ Commercial Mortgage

The HIRD; Pune District; On-site; INR 810,000 - 990,000; Full time

Job summary

A financial services company in Pune is seeking a Mid-Senior level Mortgage Underwriter. The ideal candidate will have 2 to 7 years of experience in US and/or UK mortgage underwriting and must be proficient in income calculation, DTI, and LTV analysis. Responsibilities include conducting end-to-end underwriting and making credit decisions that comply with regulatory standards. Immediate joiners preferred. This is a full-time position offering a salary up to 9 LPA.

Qualifications

• 2–7 years of experience in Mortgage Underwriting (US and/or UK process).
• Proficiency in income calculation, DTI, LTV, and credit risk analysis.
• Strong analytical and decision-making abilities.

Responsibilities

• Perform end-to-end underwriting for US and/or UK mortgage applications.
• Conduct detailed income calculation, DTI, and LTV analysis.
• Make sound credit decisions aligned with client and regulatory standards.

Skills

Mortgage Underwriting

Income calculation

DTI

LTV

Credit risk analysis

Analytical skills

Communication skills

Education

Graduate

Job description

Direct message the job poster from The HIRD

Experience: 2 to 7yrs

Salary: upto 9Lpa

Qualification: Graduate

Notice Period: Immediate to 30 days

Location: Pune

Skills & Qualifications:

• 2–7 years of experience in Mortgage Underwriting (US and/or UK process).
• Proficiency in income calculation, DTI, LTV, and credit risk analysis.
• Expertise in live underwriting, underwriting specialist, or core underwriting functions.
• Strong analytical and decision-making abilities.
• Excellent communication and documentation skills.
• Immediate joiners preferred.

Key Responsibilities:

• Perform end-to-end underwriting for US and/or UK mortgage applications.
• Conduct detailed income calculation, DTI (Debt-to-Income), and LTV (Loan-to-Value) analysis.
• Review credit, collateral, and compliance documents to ensure accuracy.
• Make sound credit decisions aligned with client and regulatory standards.
• Handle live underwriting queues and provide real-time decisions.
• Collaborate with internal teams and stakeholders for smooth loan processing.
• Maintain high quality, accuracy, and adherence to SLAs.

Seniority Level

Mid-Senior level

Employment Type

Full-time

Job Function

Customer Service, Finance, and Other

Industries

Banking, Financial Services, and Investment Banking