Sr. Associate Account Management

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Posted Oct 30, 2026

Remote · India · ask about Worldwide Full Time

Est. $12K – $24K/yr

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Overview

This role is responsible for live underwriting for mortgage and lending applications, ensuring accurate income/credit evaluation, compliant decisioning, and clear communication throughout the loan lifecycle.

Responsibilities

Review and analyze loan applications and supporting documentation, including income, credit reports, employment history, and property details.
Assess borrower creditworthiness using the 4 C's methodology (Character, Capacity, Capital, Collateral) and underwriting guidelines.
Calculate and analyze borrower income from multiple sources (salaried, hourly, commission, bonus, rental, self-employment).
Review documentation to determine qualifying income accurately and consistently (e.g., paystubs, W-2s, tax returns, business financials such as Schedule C, K-1, 1065, 1120S).
Evaluate collateral and property value using appraisal reports, AVMs, and residential valuation documents.
Review title reports, lien positions, and ownership details to mitigate collateral risk.
Prepare detailed underwriting summaries, identify red flags, and document conditions and stipulations in the Loan Origination System (LOS), preferably Encompass.
Recommend appropriate loan structures based on risk assessment and borrower profile analysis.
Collaborate with processors and internal stakeholders through the underwriting lifecycle.
Provide clear communication on loan decisions, required conditions, and final clear-to-close (CTC) status.
Identify discrepancies, inconsistencies, and potential risks within loan files.
Ensure underwriting decisions comply with internal policies, regulatory requirements, and industry standards.
Reconcile complex borrower accounts and prepare daily aging and pipeline reports to track loan progress, turnaround times, and portfolio performance metrics.
Use LOS platforms (Encompass preferred) and follow underwriting workflows to maintain accuracy, efficiency, and compliance.
Perform quality assurance file reviews to ensure accuracy, completeness, and compliance; identify process improvements and provide feedback.
Manage exceptions and complex loan scenarios outside standard underwriting guidelines; escalate appropriately and recommend resolution while maintaining compliance and risk mitigation.
Mentor and support junior underwriting team members; share best practices and regulatory knowledge.
Communicate directly with borrowers, loan officers, and other stakeholders regarding underwriting requirements, conditions, and loan status.
Stay current with regulatory changes, lending guidelines, and compliance requirements; adhere to applicable federal, state, and local lending regulations.

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Requirements

HSC and Bachelor's Degree (Mandatory)
2–3 years of live underwriting experience in mortgage or lending industry (Live Underwriting Mandatory)
Strong understanding of the 4 C's of Credit (Character, Capacity, Capital, Collateral)
Expertise in income calculation and financial analysis, including self-employed borrowers and multiple income sources
Proficiency with Loan Origination System (LOS) platforms, preferably Encompass
Comprehensive knowledge of underwriting guidelines, lending regulations, and compliance requirements
Strong analytical and decision-making skills, including the ability to identify risks and discrepancies
Excellent verbal and written communication skills
Ability to work in a fast-paced, deadline-driven environment while maintaining accuracy
Proficiency in collateral and property valuation assessment
Strong attention to detail and a quality assurance mindset
Ability to mentor and support junior team members

Preferred Qualifications

Certification in mortgage underwriting or credit analysis
Experience with complex loan scenarios and exception handling
Knowledge of federal, state, and local lending regulations (FNMA, FHLMC, FHA guidelines)