Underwriter

Infosys Limited; United States; Remote; USD 60,000 - 100,000; Full time

Job summary

An established industry player is seeking a Conventional Mortgage Underwriter Process Lead to join their dynamic team. This fully remote role requires expertise in underwriting residential mortgage loans, ensuring compliance with regulatory requirements, and maximizing organizational profit. The ideal candidate will possess strong analytical skills, a solid understanding of mortgage concepts, and a bachelor's degree or equivalent experience. Join a forward-thinking company that values innovation and excellence, and contribute to transformative business processes that enhance client experiences. If you're passionate about the mortgage industry and ready to make an impact, this opportunity is perfect for you.

Qualifications

• 4+ years of experience in mortgage underwriting with strong analytical skills.
• Bachelor's degree or equivalent experience required.

Responsibilities

• Underwrites mortgage loan applications to maximize profit and minimize risk.
• Reviews documentation to ensure compliance with AUS requirements.

Skills

Analytical Skills

Mortgage Underwriting

Credit Evaluation

Mathematical Aptitude

Education

Bachelor’s degree

Three years of progressive experience

Tools

Mortgage loan origination application

BKFS application – Empower

MSP

Job description

Anywhere in the US and/or Remote, Atlanta, GA

State / Region / Province

Anywhere in the US and/or Remote, Georgia

Country

USA

Domain

Operations

Interest Group

Company

IBPO USA

Requisition ID

132137BR

Conventional Mortgage Underwriter
Process Lead
Work hours are in EST/EDT.

The Underwriter will review all loan documents and data in a loan file with the goal of rendering an Underwriting decision based on the loan characteristics including but not limited to Borrower’s ability to repay (income, employment and assets), borrower’s credit history and the collateral (property). UW’s are granted Lending Authority based on their experience and their performance on initial test cases. Once Lending Authority is received, they underwrite loans in accordance with regulatory requirements, Investor guidelines and Truist overlays.

Responsibilities

• The ideal candidate will have over Three to Four years of experience independently underwriting residential mortgage loans, expert analytical skills with DU & LP experience.
• Underwrites mortgage loan applications and evaluates loans in order to maximize organizational profit and minimize risk or loss.
• Responsible for ensuring all documentation meets program and AUS requirements.
• Reviews and validates income and asset documentation.
• Reviews AUS findings.
• Issues underwriting decision and notifications of clear to close.
• Reviews all credit documentation.
• Reviews and approves all Trusts.
• Ensure adherence to any client overlays.
• Mortgage Insurance certs.
• Issues Denials and 2nd tier manager reviews.
• Suspend file if credit decisions are unable to be rendered.
• Typically reports to a supervisor or manager.

Qualifications

Basic

• Bachelor’s degree or foreign equivalent required from an accredited institution. Will also consider three years of progressive experience in the specialty in lieu of every year of education.
• At least 4 years of relevant work experience.

Preferred

• Familiar with standard mortgage concepts, practices, and procedures within a particular field.
• Should have working knowledge with any Mortgage loan origination application. Preferably, BKFS application – Empower, MSP.
• Relies on limited experience and judgment to plan and accomplish goals.
• Performs a variety of tasks.
• Excellent mathematical and statistical aptitude.
• A certain degree of creativity and latitude as expected.

Note: Applicants for employment in the U.S. must possess work authorization which does not require sponsorship by the employer for a visa (H1B or otherwise).

The job entails sitting as well as working at a computer for extended periods of time. Should be able to communicate by telephone, email or face to face.

Work Remotely:

This role is fully remote/ WFH and must work EST/EDT hours aligned to client work hours. The project is based in Atlanta, GA.

About Us

Infosys BPM Limited, a wholly owned subsidiary of Infosys Limited (NYSE: INFY), provides end-to-end transformative business process management (BPM) services for its clients across the globe. The company’s integrated IT and BPM solutions approach enables it to unlock business value across industries and service lines and address business challenges for its clients. Utilizing innovative business excellence frameworks, ongoing productivity improvements, process reengineering, automation, and cutting-edge technology platforms, Infosys BPM enables its clients to achieve their cost reduction objectives, improve process efficiencies, enhance effectiveness, and deliver superior customer experience.

Infosys BPM has 47 delivery centers in 16 countries spread across 5 continents, with 58,702 employees from 110 nationalities, as of December, 2024.

The company has been consistently ranked among the leading BPM companies globally and has received over 60 awards and recognitions in the last 5 years, from key industry bodies and associations like the Outsourcing Center, SSON, and GSA, among others. Infosys BPM also has very robust people practices, as substantiated by the various HR-specific awards it has won over the years. The company has consistently been ranked among the top employers of choice, on the basis of its industry-leading HR best practices. The company’s senior leaders contribute widely to industry forums as BPM strategists.

EOE/Minority/Female/Veteran/Disabled/Sexual Orientation/Gender Identity/National Origin

Infosys is an equal opportunity employer and all qualified applicants will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, spouse of a protected veteran, or disability.