Sr. Analyst/Analyst - Underwriting Services (Post- IR)

Medium; Gurugram District; On-site; INR 6,00,000 - 10,00,000; Full time

Job summary

A leading mortgage company in Gurugram is seeking a skilled Underwriter to review and approve loans, collaborating with various teams to maintain loan integrity. Candidates should have a Bachelor's degree and at least 2 years of experience in US Mortgage. The role offers comprehensive benefits including health insurance, meal allowances, and flexible working conditions.

Benefits

Daily meals

Transport facility

Medical plan

Night shift allowance

Work from home allowance

Qualifications

• Minimum of 2 years of experience in US Mortgage.
• Knowledge of Agency guidelines for decision making.
• Understanding of Credit and Collateral documents.

Responsibilities

• Completing the final underwriting review of loans.
• Analyzing collateral documents to inform decisions.
• Collaborating with cross-functional teams to complete loan tasks.

Skills

Attention to detail

Data analysis

Understanding of US Mortgage

Education

Bachelor's degree

Job description

Better is reimagining home finance and making it faster, cheaper, and easier for everyone to become a homeowner. We leverage creative technology and innovation to make the home buying journey more approachable and understandable and home finance more affordable and accessible. Here are some interesting facts to help you get to know Better:

- We’ve funded over $100 billion in loans for our customers, more than any other fintech

- Yahoo! Finance - Best Mortgage Lender for First Time Homebuyers of January 2025: Best lender for quick approval

- Yahoo! Finance - Best Mortgage Lenders of 2025: Best online mortgage lender

- Fintech Breakthrough Award: Best Lending Innovation Award

- Money Magazine - 8 Best Mortgage Lenders of 2025: Best for fast closing

- We are Forbes’ Best Online Mortgage Lender for 2023

- We have raised over $1.2 billion in equity capital to transform the mortgage industry, the largest financial asset class in the world

We are a place where smart, hungry, ambitious people who want to recognize their full potential thrive.

About the team

In the Underwriting funnel, this team serves as the gatekeepers of the financial integrity, meticulously verifying the collateral and credit documentation seamlessly align with the application and loan origination system, thus granting the final approval.

About you

1. Completing the final underwriting review of the Conforming loans by thoroughly examining collateral and basic credit documents to ensure loans are prepared for closing in accordance with agency guidelines.
2. Analyzing collateral documents such as title, tax certificate, appraisals, and homeowner’s insurance policies to access their influence on Underwriting decisions.
3. Through review of the Automated Underwriting System during final review and ensure that any red flags or special messages are addressed before issuing final review.
4. Ratio calculation during final approval and ensuring the ratio of Loan Origination Software matches with the Automated Underwriting System.
5. Meet production goals while maintaining quality and compliance.
6. Uncover any undisclosed debt or other missing financial information and ensure there is not any potential fraud present in the loan application.
7. Collaborating with Loan team, Underwriters, Collateral, and other cross functional teams to ensure pending loan tasks are completed.
8. Maintain acceptable Quality control standard.
9. Reviewing and clearing the tasks related to Credit, income and assets required before Final approval can be issued.

Requirements

1. Bachelors degree with a minimum of 2 years of experience in US Mortgage.
2. Knowledge of Agency guidelines for decision making.
3. Understanding of Credit and Collateral documents.
4. Meticulous attention to detail.
5. Strong data analysis capability and ability to clearly communicate findings to Leadership loan teams and borrower.
6. Knowledge of FNMA and Freddie Mac Guidelines.
7. Detailed understanding of credit report, income, assets, and collateral documents.

Company Benefits

In Office Perks

Experience our comprehensive office perks, including daily meals and transport facility for commuting to and from the office, available for all employees coming to the office.

Health & Well-being

Our comprehensive medical plan is available for you, your spouse and dependents.Employees are covered under Mediclaim, Group Term life insurance and Accidental insurance.

Other Perks at Better

Experience flexibility with our night shift allowance, work from home allowance and transportation allowance, where applicable. We prioritize your convenience.