Senior Mortgage Underwriter
RemoteIndia
Job Summary
Conduct rigorous product testing on mortgage underwriting tools by applying Fannie Mae, Freddie Mac, FHA, and VA guidelines to validate accuracy against borrower documentation. Review income, asset, credit, and collateral data to confirm correct application of underwriting rules, calculate outputs, and document test results while flagging discrepancies. Serve as the subject matter expert on underwriting practices, translating complex requirements into clear language for technical and non-technical stakeholders. Partner with Sales and Product teams to identify enhancement opportunities and provide ongoing input on feature development. Work remotely with a 6 PM to 3 AM IST schedule.
Required Qualifications
- 3+ years of mortgage underwriting experience, including FHA and VA
- Skilled in reviewing borrower documentation (e.g., W-2s, tax returns, pay stubs, self-employment income, appraisal, title, etc)
- Strong expertise in income analysis, credit evaluation, and AUS findings
- Excellent documentation, prioritization, and communication skills
Desired Qualifications
- Experience testing technology products or tools is a plus
- Tech-savvy with ability to critique mortgage software and explain findings clearly
- Experience with fintech or SaaS mortgage tools
- Familiarity with automated income calculation or verification platforms
- Exposure to agile product development environments
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