Mega Walk-in Drive for Mortgage Underwriter

HCLTech is hiring for Mortgage Underwriter in Bengaluru - Jigani location.

Walk-in Drive Details:

Location: HCL TECH- Jigani, (Address: SEZ, 129, Bommasandra Jigani Link Road, Karnataka 562106 )

Date: 14th March 2026

Walk-in Time: 11:00 AM- 4:00 PM

Contact HR SPOC : Sharath

Job Summary:

This is a Residential Mortgage Underwriting process which involves a complete analysis of the loan parameters and the borrowers details pertaining to Income, credit and assets.

Candidate shall be responsible for rendering decisions on credit applications based on established criteria. Determine creditworthiness, risk associated with borrower based on credit profile and Income worthiness (Income analysis) of the borrower. Communicate decisions that most effectively mitigate credit risks, including data integrity and validity of information submitted. Applies understanding of established guidelines, Fair Lending and all other regulatory requirements when evaluating loan attributes while utilizing prudent underwriting judgment and experience.

Responsibilities:

• Works under moderate supervision; acquires and applies maturing knowledge of the business, its products, and processes.
• Evaluate and verify applications determining whether borrower will be able to repay the loan by performing a detailed income verification (Income Verification and analysis)
• Verify income and employment information, for both self-employed and salaried borrowers.
• Income Verification using Pay stubs, Leave and earnings statements, W2s, 1099, 1065, 1120 and other relevant Tax return documents for self-employed borrowers.
• Verifying Disability Income, Social Security Income, Alimony and Child support Income
• Credit report review Analysing credit worthiness of borrower using tri merged credit report. Evaluating credit risks based on the payment pattern on the current liabilities, red flags in the report (Fraud alerts, Bankruptcy, Delinquency and Foreclosures etc.)
• Asset review - Calculate the value of the borrowers collateral and assets using Bank statements, Investment statements, Gift letters etc.
• Ensure that the property specifications and loan terms meet Banks requirements and government regulations.

Skills Required:

• Must have excellent reading and comprehension skills.
• Must have excellent decision-making skills that are backed by relevant details and research.
• Must have good analytical and audit skills.
• Must have good oral and written communication skills along with good listening skills
• Must have knowledge pertaining to the regulations governing mortgage lending.
• Must have logic and reasoning skills
• Must be able to handle stress and meet deadlines
• Must be able to multitask
• Must pay close attention to detail

Minimum Requirements

• Bachelor's degree or equivalent work experience.
• 3 to 5 years of overall banking experience with a minimum of 1 to 2 years experience in residential Mortgage Underwriting for Conventional/FHA/VA loans.
• Willingness to work in night shifts