US Mortgage Underwriting Analyst – Credit Risk / Real Estate Lending-CL

US MORTGAGE UNDERWRITING ANALYST – CREDIT RISK / REAL ESTATE LENDING

At FinacPlus, we are more than a service provider — we are a Virtual Business Process Partner to leading global financial institutions, fintech companies, and data-driven enterprises. Our teams integrate seamlessly with client organizations, delivering high-impact analytics, finance, risk, and technology capabilities from India.

FinacPlus is a Great Place to Work® Certified™ organization, recognized for our collaborative culture, strong leadership values, employee-first philosophy, and commitment to professional growth. If you are looking for global exposure, ownership-driven work, and meaningful career acceleration — this is where you belong.

We are currently hiring a US Mortgage Underwriting Analyst with 3–6 years of experience to support a leading U.S.-based mortgage lending client. This role offers strong exposure to credit risk assessment, residential real estate underwriting, and structured lending decision-making.

As a US Mortgage Underwriting Analyst, you will serve as an embedded partner working closely with credit teams, processing, closing, and senior underwriting stakeholders. You will not just review files — you will contribute to risk evaluation, credit decisioning, and portfolio quality.

RESPONSIBILITIES

• You will perform end-to-end underwriting for U.S. mortgage loan products, including both short-term (12-month) and long-term (30-year) lending structures.
• You will review and analyze residential real estate assets, assessing borrower profiles and collateral quality to support credit decisions.
• You will examine and evaluate comprehensive underwriting documentation, including credit reports, background checks, loan applications, financial statements, and borrower/entity documentation.
• You will review processing and closing documentation to ensure completeness, accuracy, and compliance with underwriting standards.
• You will apply strong knowledge of real estate underwriting principles, including property valuation, purchase and sale transactions, and due diligence processes.
• You will interpret property appraisal reports, insurance policies, and title documentation, ensuring alignment with lending and risk guidelines.
• You will support underwriting for construction lending scenarios, including renovations and ground-up development projects.
• You will collaborate with internal teams to gather additional information, quote rates, present underwriting cases, and explain policy guidelines.
• You will validate market comparables, including rental values and property sale benchmarks, to support accurate asset valuation.
• You will stay updated on loan product guidelines, underwriting frameworks, and risk assessment tools, ensuring consistent application in decision-making.
• You will assess overall credit risk and present underwriting recommendations to senior management for approval, supporting high-quality portfolio outcomes.

QUALIFICATIONS AND EXPERIENCE

• 3–6 years of experience in US mortgage underwriting or credit risk analysis
• Strong understanding of residential mortgage products and underwriting guidelines
• Experience reviewing credit reports, financial statements, and borrower documentation
• Knowledge of property valuation, appraisal analysis, and title/escrow processes
• Familiarity with construction lending and real estate transaction workflows preferred
• Strong analytical and decision-making skills in credit risk assessment
• Bachelor’s degree in Finance, Business, or related field

WHAT MAKES YOU A STRONG FIT

• Strong analytical mindset with the ability to evaluate borrower risk and asset quality
• Ownership-driven approach to underwriting accuracy and decision integrity
• Sound business judgment in applying credit policies and lending guidelines
• Excellent communication skills for presenting underwriting recommendations
• High attention to detail with a focus on compliance and documentation quality
• Ability to work in a fast-paced, deadline-driven underwriting environment

WHY HIGH-PERFORMING TALENT CHOOSES FINACPLUS

• Direct exposure to U.S. mortgage lending and credit decisioning processes
• Opportunity to work on high-impact underwriting and risk evaluation roles
• Great Place to Work® Certified™ culture with strong employee engagement
• Accelerated career growth in global credit, risk, and lending domains
• Ownership-driven environment with real influence on loan approvals and portfolio quality
• Continuous learning in underwriting frameworks, real estate markets, and risk analytics
• Stable, governance-driven organization supporting long-term career growth

LOCATION: India | Work From Home

TIMINGS: US Shift (Aligned to business requirements) 6:30 PM – 3:30 AM IST

SALARY RANGE: As per industry standards