🚀 HCL Technologies | Walk-In Hiring | Mortgage Underwriting.

🚀 HCL Technologies | Walk-In Hiring | Mortgage Underwriting.

Job Summary

The Mortgage Underwriter is responsible for reviewing, analyzing, and validating loan applications to ensure accuracy, completeness, and compliance with investor, secondary market, and government agency guidelines. The role involves detailed credit analysis, income calculation, risk assessment, and adherence to regulatory and organizational policies to support sound lending decisions.

Key Responsibilities

• Review loan files for completeness, accuracy, and adherence to established underwriting guidelines.
• Verify loan application information against all supporting documents within the loan file.
• Analyze credit documentation including mortgage applications, credit reports, income and asset documents, title reports, appraisals, and all applicable compliance disclosures.
• Ensure loan applications meet investor and secondary market requirements, including Fannie Mae, Freddie Mac, and applicable government agency guidelines.
• Perform accurate income calculations in line with underwriting and program standards.
• Evaluate loan-to-value (LTV) and combined loan-to-value (CLTV) ratios.
• Review borrower and property eligibility based on program, risk, and regulatory requirements.
• Assess debt-to-income ratios, credit scores, property valuations, and overall creditworthiness.
• Identify potential risk factors, fraud indicators, and misrepresentation within loan documentation.
• Condition loan files by requesting missing, incomplete, or additional supporting documentation.
• Participate in testing system updates, enhancements, and process changes as required.
• Complete all mandatory trainings, certifications, and assessments within defined timelines.
• Ensure secure and confidential handling of sensitive customer and financial data.
• Comply with all company policies, procedures, quality standards, and regulatory requirements.

Required Skills & Competencies

• Strong knowledge of mortgage underwriting guidelines and credit analysis.
• Hands‑on experience with income calculation and ratio analysis.
• Analytical skills with keen attention to detail and accuracy.
• Ability to identify risk trends and fraud red flags.
• Working knowledge of LTV, CLTV, DTI, and credit scoring methodologies.
• Familiarity with investor and regulatory compliance requirements.
• Strong documentation, communication, and organizational skills.

Qualifications

• Bachelor’s degree in finance, Accounting, Business, or a related field (preferred).
• 1–5 years of experience in mortgage underwriting, credit analysis, or loan review.
• Experience working with secondary market guidelines (Fannie Mae / Freddie Mac) is required.
• Proficiency in mortgage loan origination and underwriting systems is an advantage.

📅 Walk-In Details

🗓 Dates: 08-May-2026 & 09-May-2026

⏰ Time: 11:00 AM – 03:00 PM

📍 Interview Venue: HCL Technologies Ltd ETA 1, No.33, Sandhya Infocity, OMR Rajiv Gandhi Salai, Navalur Chennai.

📞 HR Contacts:

• Sanjay
• Deva Dharani

📌 Note:

✔ Carry Updated Resume

✔ “Immediate joiners and candidates with up to 30 days’ notice are preferred.”

👉 Interested candidates can walk-in directly during the mentioned dates & time.