Job details



State / Region / Province


Work Location

Atlanta, GA



Interest Group

Infosys BPO Americas LLC



Requisition ID


Job Description

Conventional Mortgage Underwriter
Process Lead
WFH based out of Atlanta, GA - Work hours are in EST/EDT.

The Underwriter will review all loan documents, including credit, income, assets, collateral, title, and fraud tools; to determine the borrower’s ability to repay the debt, in accordance with the AUS, FNMA, FHLMC, and Investor Guidelines. The Underwriter will be granted Lending Authority upon successfully completing the test case process. Once Lending Authority has been granted, the underwriter is responsible for meeting or exceeding the production, customer service, turn times, and quality objectives. The ideal candidate will have over three to four years of experience, independently underwriting residential mortgage loans, expert analytical skills with DU & LP.

Responsibilities include but are not limited to the following:

  • Underwrite loans in accordance with agency guidelines, investor overlays, federal, and state regulations.
  • Maintain SLA (service level agreements) of 24-48 hours on new loans and resubmissions.
  • Communicate with Loan Officers, Loan Specialist, Processors, and other internal or external partners.
  • Responsible for meeting or exceeding production objectives.
  • Maintain CSAT (customer satisfaction) 4.5 or higher.
  • Responsible for maintaining loan quality, with no material risk findings.
  • Responsible for restructuring loans and submitting Change of Circumstances.
  • Have a clear understanding of self-employed business structures and how to independently calculate self-employed income.
  • Ability to independently calculate rental income.
  • Review and validate the credit, income, assets, collateral, title, and fraud tools.
  • Responsible for obtaining lending authority within 6 weeks.
  • Issue initial underwriting decisions (approve, suspend, decline), clear to close changes, and final approvals.
  • Review Trust agreements and determine eligibility.
  • Review, prepare, and submit concurrent HELOCs (home equity line of credit) to the HELOC team.
  • Review AUS, Agency guidelines (FNMA and FHLMC), Agency Reference Guide, 50 State Spousal Matrix, Product/Business Restriction Matrix, and client procedures.
  • Responsible for completing the Net Tangible Benefit Worksheet.
  • Accurately complete system data entry to ensure loans are salable.
  • Submits loans for Mortgage Insurance.
  • Performs risk assessment of credit and collateral ensuring loan sale and sound credit quality.
  • Underwrites mortgage loan applications and evaluates loans in order to maximize organizational profit and minimize risk or loss.
  • Responsible for ensuring all documentation meets program and AUS requirements.
  • Complete denials and 2nd level reviews on denied loans.
  • Complete timesheets weekly.
  • Complete all training within allotted time.
  • Reports to a supervisor or manager.
  • Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
  • Bachelor’s degree or foreign equivalent required from an accredited institution. Will also consider three years of progressive experience in the specialty in lieu of every year of education.
  • At least 4 years of relevant work experience
  • Familiar with standard mortgage concepts, practices, and procedures within a particular field.
  • Should have working knowledge with any Mortgage loan origination application. Preferably, BKFS application – Empower, MSP
  • Relies on limited experience and judgment to plan and accomplish goals
  • Performs a variety of tasks.
  • Excellent mathematical and statistical aptitude.
  • A certain degree of creativity and latitude as expected
Note: Applicants for employment in the U.S. must possess work authorization which does not require sponsorship by the employer for a visa (H1B or otherwise).

The job entails sitting as well as working at a computer for extended periods of time. Should be able to communicate by telephone, email or face to face.

COVID-19 Considerations:
Vaccination required.
Masks are required to enter the office. Extra screening, sanitation and disinfecting procedures are in place.

Work Remotely:
This role is expected to be Work from Home (WFH) and based out of Atlanta, GA and expected work hours are in EST/EDT.

About Us:
Infosys BPM Limited, a wholly owned subsidiary of Infosys Limited (NYSE: INFY), provides end-to-end transformative business process management (BPM) services for its clients across the globe. The company’s integrated IT and BPM solutions approach enables it to unlock business value across industries and service lines, and address business challenges for its clients. Utilizing innovative business excellence frameworks, ongoing productivity improvements, process reengineering, automation, and cutting-edge technology platforms, Infosys BPM enables its clients to achieve their cost reduction objectives, improve process efficiencies, enhance effectiveness, and deliver superior customer experience.
Infosys BPM has 35 delivery centers in 14 countries spread across 5 continents, with 53,515 employees from 125 nationalities, as of June, 2022.
The company has been consistently ranked among the leading BPM companies globally and has received over 60 awards and recognitions in the last 5 years, from key industry bodies and associations like the Outsourcing Center, SSON, and GSA, among others. Infosys BPM also has very robust people practices, as substantiated by the various HR-specific awards it has won over the years. The company has consistently been ranked among the top employers of choice, on the basis of its industry leading HR best practices. The company’s senior leaders contribute widely to industry forums as BPM strategists.
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