Underwriter QM and NON-QM

4 days ago

Karachi, Sindh, Pakistan HR World International (Pvt. Ltd) Full time 600,000 - 1,200,000 per year

Only relevant experience in required industry of Mortgage will be required to shortlist.

Key Responsibilities:

*Review borrower documentation (income, assets, credit, collateral, appraisals) for loan eligibility.

*Underwrite files using AUS tools (DU/LPA) and perform manual underwriting for complex/Non-QM loans.

*Analyze traditional & alternative income sources (W2s, tax returns, 1099s, bank statements, DSCR, P&L, asset utilization).

*Apply Agency (Fannie, Freddie, FHA, VA, USDA) and Non-QM investor guidelines, ensuring compliance with ATR/QM rules.

*Document decisions in LOS and resolve conditions with U.S. stakeholders.

*Ensure accuracy, compliance, and SLA targets.

What We're Looking For:

*3–5 years of U.S. mortgage underwriting experience (QM or Non-QM).

*Strong knowledge of AUS (DU/LPA) & LOS platforms (Encompass, Calyx, LendingPad).

*Hands-on expertise in Agency loans or Non-QM programs (Bank Statement, DSCR, 1099, Asset Utilization).

*Excellent communication skills & willingness to work U.S. time zone shifts.

Title 1

That the quick brown fox jumps over the lazy dog. That the quick brown fox jumps over the lazy dog. That the quick brown fox jumps over the lazy dog. That the quick brown fox jumps over the lazy dog. That the quick brown fox jumps over the lazy dog. That the quick brown fox jumps over the lazy dog.

Title 2

That the quick brown fox jumps over the lazy dog.

That the quick brown fox jumps over the lazy dog.

That the quick brown fox jumps over the lazy dog.

That the quick brown fox jumps over the lazy dog.

Prompt for Zoho Show

Instructions for Zoho Show

  • Create a 7-slide presentation.

  • Use clear titles + 3–4 concise bullets per slide.

  • Add visuals as suggested.

  • Keep style clean, modern, professional.

  • No clutter, no long text.

Job Type: Full-time

Pay: Rs100, Rs200,000.00 per month

Application Question(s):

  • 1:please share us your exposure and experience as QM and NON-QM writer with your previous employer name.

2: Are you willing to work night shift at our Karachi based office?

Work Location: In person

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