Mortgage Underwriter

Infosys is seeking a highly skilled Mortgage Underwriter to join our team in the United States. In this crucial role, you will be responsible for meticulously reviewing loan documents and making sound underwriting decisions based on borrower characteristics. Your primary objective will be to evaluate loan applications to maximize organizational profit while diligently minimizing risk. This position demands a strong understanding and adherence to all regulatory requirements and investor guidelines.

Key Responsibilities:

• Underwrite mortgage loan applications, evaluating loans to achieve optimal profit and mitigate risk.
• Ensure all submitted documentation adheres to program requirements and Automated Underwriting System (AUS) findings.
• Thoroughly review and validate borrower income and asset documentation.
• Analyze and interpret AUS findings.
• Make clear underwriting decisions and issue notifications of clear-to-close.
• Examine all credit documentation for accuracy and completeness.
• Review and approve all Trust documentation as required.
• Ensure strict adherence to any client-specific overlays.
• Process and verify Mortgage Insurance certifications.
• Manage and issue loan decisions, including approvals, denials, and facilitate second-tier manager reviews when necessary.
• Suspend loan files when credit decisions cannot be rendered.
• Typically report to a supervisor or manager.

This is a full-time, remote opportunity.