Trinity SkillWorks Private Limited
Website:
trinityskillworks.com
Job details:
US Mortgage Underwriter – Senior Associate L2
We are hiring for the role of Senior Associate – Trans-Processing (L2) for a US Mortgage Underwriting process at our Kochi location.
This opportunity is suitable for candidates with relevant experience in US Mortgage Underwriting / Mortgage Processing / Underwriting Support, especially in Conventional, Non-QM, and DSCR loan products.
Job Details
Job Title: US Mortgage Underwriter – Conventional & Non-QM
Role: Senior Associate – Trans-Processing L2
Location: Kochi
Work Mode: Work from Office
Shift: US Rotational Night Shifts
Experience Required: 2–5 Years
Salary Range: ₹4 LPA – ₹9 LPA
Openings: 65
Joining: Immediate joiners preferred
Qualification: Undergraduate degree is mandatory
Job Summary
The US Mortgage Underwriter will be responsible for evaluating and underwriting residential mortgage loan applications, including Conventional, Non-QM, and DSCR products. The role involves assessing borrower eligibility, analyzing risk, ensuring compliance with investor and regulatory guidelines, and making accurate underwriting decisions in a fast-paced environment.
Key Responsibilities
- Review and underwrite Conventional, Non-QM, and DSCR mortgage loans.
- Analyze borrower income, assets, credit, employment, and collateral to assess eligibility and risk.
- Evaluate alternative documentation loans including Bank Statement, Asset Depletion, 1099 Income, ITIN, and P&L-only programs.
- Ensure compliance with agency, investor, company, and regulatory guidelines.
- Issue approvals, conditions, suspensions, or denials based on underwriting standards.
- Review and clear underwriting conditions and resubmitted documentation.
- Coordinate with loan officers, processors, brokers, and internal teams to support timely loan decisions.
- Maintain accurate underwriting records and support quality control and audit processes.
- Stay updated with mortgage products, investor requirements, and regulatory changes.
Required Skills & Qualifications
- 2–5 years of relevant US Mortgage Underwriting experience.
- Experience in Conventional and/or Non-QM loan products.
- Knowledge of Fannie Mae, Freddie Mac, Non-QM, and DSCR underwriting guidelines.
- Experience in income analysis, risk assessment, and mortgage compliance.
- Exposure to LOS / AUS tools such as Encompass, CalyxPath, DU, LP, etc.
- Strong analytical, decision-making, and communication skills.
- Ability to manage multiple loan files in a high-volume environment.
- Flexible to work in US rotational night shifts.
- Willing to work from office in Kochi.
Benefits
- Salary range up to ₹9 LPA based on experience, last drawn salary, and submitted proof.
- Opportunity to work with a leading US Mortgage / BPO process.
- Exposure to Conventional, Non-QM, DSCR, and alternative documentation loan programs.
- Career growth opportunity in US Mortgage Underwriting.
- Statutory and company benefits as per company policy.
Hiring Process
- Resume screening
- Initial HR discussion
- Mortgage domain / process screening
- Client / operations interview
- Documentation and salary discussion
- Offer release and joining formalities
Application Details Required
Interested candidates should share their updated resume along with the below details:
Full Name:
Email ID:
Contact Number:
Current Location:
Current Company Name:
Total Years of Experience:
International / Domestic BPO Experience:
Relevant US Mortgage Underwriting Experience:
Experience in Conventional / Non-QM / DSCR:
Tools Used: Encompass / CalyxPath / DU / LP / Others:
Current CTC:
Current Salary:
Expected Salary:
Notice Period:
Immediate Joiner: Yes/No
Flexible for US Rotational Night Shift: Yes/No
Willing to relocate to Kochi/Kerala: Yes/No
Have you attended an interview for a similar role in the last 3 months: Yes/No
Important Note
This role is not for IT, Android Development, Software Development, or unrelated domains. Candidates with relevant US Mortgage / Mortgage Processing / Underwriting Support / BPO Mortgage process experience only should apply.
Apply / Contact
Please share your updated resume and application details with:
Jackson J
Email: jackson.j@skillactz.com
Phone: 9544316657
Click on Apply to know more.