# Job Description: Mortgage QC Underwriter

**Job ID:** 411717\

**Role:** Mortgage QC Underwriter\

**Location:** Pune / Gandhinagar\

**Experience:** 6–12 Years\

**Salary:** Up to ₹12 LPA\

**Shift:** US Night Shift\

**Band:** BPO 3/4\

**Domain:** US Mortgage Underwriting / Quality Control

## Job Summary

We are looking for an experienced **Mortgage QC Underwriter** with 6–12 years of experience in conventional mortgage underwriting and quality control. The candidate will be responsible for reviewing closed loan files, validating underwriting decisions, identifying deficiencies, and ensuring compliance with lender, investor, and regulatory guidelines.

## Key Responsibilities

- Perform quality control reviews of closed mortgage loan files.

- Validate credit decisions against underwriting policies and investor guidelines.

- Analyze borrower income, employment, credit history, assets, liabilities, and repayment capacity.

- Review Debt-to-Income (DTI) and Loan-to-Value (LTV) ratios.

- Verify supporting documents, including employment records, source of down payment, reserves, property appraisal, and title commitments.

- Ensure compliance with Fannie Mae (FNMA), Freddie Mac (FHLMC), and applicable regulatory guidelines.

- Review findings from Desktop Underwriter (DU) and Loan Product Advisor (LPA), formerly Loan Prospector (LP).

- Identify, document, and report underwriting errors, deficiencies, and potential credit risks.

- Review legal documents for accuracy and completeness, where applicable.

- Validate Mortgage Insurance (MI) requirements and compliance with applicable guidelines.

- Maintain service-level agreements (SLAs) and meet underwriting deadlines.

- Provide floor support, feedback, and assistance with new-hire training.

- Respond to emails promptly and collaborate with internal teams to resolve complex issues.

## Required Skills & Experience

- 6–12 years of experience in US mortgage underwriting, preferably in conventional mortgage underwriting, QA, or QC.

- Strong understanding of the end-to-end mortgage loan lifecycle.

- Hands-on knowledge of Desktop Underwriter (DU) and Loan Prospector (LP)/Loan Product Advisor (LPA).

- Good understanding of income, employment, credit, assets, liabilities, DTI, and LTV analysis.

- Knowledge of Fannie Mae and Freddie Mac underwriting guidelines.

- Exposure to Mortgage Insurance (MI) guidelines.

- Strong analytical, problem-solving, and decision-making skills.

- Excellent verbal and written communication skills.

- Good organizational skills, attention to detail, and ability to manage multiple tasks.

- Proficiency in MS Office and the ability to work across multiple systems and monitors.

- Willingness to work in US night shifts.

## Qualifications

- Graduate in any discipline preferred.

- Relevant experience in conventional mortgage underwriting and loan quality control is essential.

## Important Notes

- **Ex-TCS employees are not eligible to apply.**

- PAN and Date of Birth (DOB) are required for candidate profile creation.

- Candidates should be comfortable working in US shifts.

- Salary is negotiable up to ₹12 LPA, depending on experience and suitability.