Senior Mortgage Underwriter

Role Overview

We are seeking an experienced professional in US Mortgage Valuations to support property valuation, collateral assessment, and appraisal review functions within the mortgage lifecycle. The candidate should have strong knowledge of US residential property valuation processes and compliance standards.

Key Responsibilities

• Review and analyze residential property appraisals (1004, 1073, 2055, etc.)
• Perform valuation quality checks and risk assessment of appraisal reports
• Validate property data including comparables, market trends, and adjustments
• Ensure compliance with US mortgage guidelines (Fannie Mae / Freddie Mac standards)
• Identify discrepancies, red flags, and inconsistencies in appraisal reports
• Coordinate with AMC/Appraisers to resolve valuation-related queries
• Work on Collateral Underwriting and appraisal reconsideration requests
• Maintain TAT and SLA adherence
• Prepare valuation summaries and risk commentary for underwriting teams

Required Skills & Qualifications

• 25 years of experience in US Mortgage Valuations / Appraisal Review
• Strong understanding of:
• Residential appraisal forms (1004, 1073, 1025)
• Comparable analysis and adjustments
• Market trend analysis
• USPAP guidelines (basic understanding preferred)
• Exposure to GSE guidelines (Fannie Mae / Freddie Mac)
• Experience working with valuation tools / LOS platforms
• Good analytical and decision-making skills
• Strong communication skills (written & verbal)

Preferred

• Exposure to FHA/VA valuation guidelines
• Prior experience in US mortgage underwriting support
• Experience working in a captive/BPO environment