Credit Underwriter, RRE (Delhi)

SitusAMC (Delhi, DL, India) 21 days ago
Remote Friendly Finance & Legal Asia Contract
Shared Services
Delhi, x
Business Unit:

Position Overview:

Shared Services function leverages the ‘shared’ delivery model to provide operations delivery to Business Unites across the organization. The goal of the Shared Services division is to provide central operations solutions to Business Units across the Commercial and Residential Mortgages vertical.

The Due Diligence underwriting team provides solutions for various service offerings under a single platform (seasoned compliance, credit, credit & compliance, title, collection comments, pay history, data, forensic, consumer, etc.). However, generally, activities will include (i) the identification of the proper documentation for data capture, (ii) the capture of such information in the system (iii) running embedded rules and logic against such information, and (iv) clearing validations and/or applying exceptions that may be appropriate for the item in question.


    • Review loan files for completeness and accuracy including but not limited to calculation and verification of income & assets, evaluation of credit reports, purchase contracts, appraisals, title commitments, VOE, tax returns, divorce decrees, and other loan pertinent compliance documentation

    • Evaluate debt & loan-to-value ratios, credit score, property valuation and various other factors

    • Determine and document loan conditions, communicate requirements, and/or decisions

    • Identify saleability issues, potential fraud and portfolio risks based on trends, red flags and client’s business practices

    • Maintain knowledge of all applicable agency and non-agency underwriting guidelines

    • Exhibit working knowledge of AUS to determine applicable loan conditions

    • Such other activities as may be assigned by your manager


    • Demonstrated understanding of mortgage guidelines and policies for VA, FHA, FNMA, FHLMC & USDA

    • Analysis and Calculation of qualifying income from various tax documents such as 1040s, Schedule E, 1065, 1120, 1120S, K1, transcripts, etc.

    • Analysis of Credit Reports and Bank Statements


    • 3+ years of recent US Mortgage underwriting and/or due diligence (post-close) experience in the residential mortgage industry

    • Knowledge and familiarity with current mortgage policies/procedures, compliance laws and regulations—including TRID—and understanding of mortgage regulatory changes

    • High producer with attention to quality

    • Strong commitment to customer service and satisfaction

    • Excellent time management skills

    • Ability to work independently and to carry out assignments to completion within parameters of instructions given, prescribed routines, and standard accepted practices

    • Detail oriented, with superior verbal and written communication skills

    • Strong PC skills, with demonstrated proficiency with Microsoft Office

    • Must be able to work under pressure and meet deadlines, while maintaining a positive attitude and providing exemplary customer service

    • Demonstrate professional behavior including:

      • Positive attitude

      • Punctuality

      • Dependability

      • Understanding and adherence to company policies and procedures


    • When / if working remotely

      • Maintenance of a safe and professional home office environment

      • Appropriate equipment set-up including dual monitors, high speed internet and appropriate computer systems

      • The employee may be required to report to a different local office as a normal, contemplated, and mandated incident of their employment.

Credit Underwriter, RRE (Delhi)

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