Posted 09 July, 2026
US QM Loan Underwriters
VARITE INDIA PRIVATE LIMITED
Bangalore, Karnataka, IN
Full Time
Reference: 26-37781-2522-2
Company Name: VARITE India Private Limited
About The Client:
Visionet is a premier digital technology solutions company built on the premise of disruptive innovation. For over 27 years, our innovation-centric and engineering-first approach has unlocked digital-driven success to over 350+ global enterprises across Client, Retail, Banking & Financial Services, Food & Beverage, Manufacturing & Distribution, and Life Sciences industries. Our strategic technological alliances with Microsoft, Google, Salesforce, Adobe and AWS, as well as accolades like Microsoft Partner of the Year 2021 and EY Entrepreneur of the Year 2021, are a testament to our expertise in delivering seamless digital transition. With a talent pool of more than 9,500 passionate engineers and digital consultants across 14 distinct locations around the world, we engineer agility and provide innovation-driven value to our clients.
Unlock Rewards: Refer Candidates and Earn.
If you're not available or interested in this opportunity, please pass this along to anyone in your network who might be a good fit and interested in our open positions. VARITE offers a Candidate Referral program, where you'll receive a one-time referral bonus based on the following scale if the preferred candidate completes a three-month assignment with VARITE.
Experience Level Bonus Referral:
About VARITE: VARITE is a global staffing and IT consulting company providing technical consulting and team augmentation services to Fortune 500 Companies in USA, UK, CANADA and INDIA. VARITE is currently a primary and direct vendor to the leading corporations in the verticals of Networking, Cloud Infrastructure, Hardware and Software, Digital Marketing and Media Solutions, Clinical Diagnostics, Utilities, Gaming and Entertainment, and Financial Services.
Equal Opportunity Employer:
VARITE is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate based on race, color, religion, sex, sexual orientation, gender identity or expression, national origin, age, marital status, veteran status, or disability status.
About The Client:
Visionet is a premier digital technology solutions company built on the premise of disruptive innovation. For over 27 years, our innovation-centric and engineering-first approach has unlocked digital-driven success to over 350+ global enterprises across Client, Retail, Banking & Financial Services, Food & Beverage, Manufacturing & Distribution, and Life Sciences industries. Our strategic technological alliances with Microsoft, Google, Salesforce, Adobe and AWS, as well as accolades like Microsoft Partner of the Year 2021 and EY Entrepreneur of the Year 2021, are a testament to our expertise in delivering seamless digital transition. With a talent pool of more than 9,500 passionate engineers and digital consultants across 14 distinct locations around the world, we engineer agility and provide innovation-driven value to our clients.
About The Job:
- We are looking for experienced US QM Loan Underwriters to join our team supporting U.S.-based lenders.
- This role involves end-to-end review and decisioning of residential mortgage loan files in alignment with Qualified Mortgage (QM) standards, Client/Freddie Mac, Agencies (FHA, VA, USDA) guidelines, and client-specific overlays.
- The underwriter will work closely with U.S.-based stakeholders to deliver timely and accurate underwriting decisions from our offshore location.
- Shift Timing: U.S. time zone coverage
Essential Job Functions:
- Review and assess borrower documentation including income, assets, credit reports, and appraisals to determine loan eligibility under QM and agency guidelines.
- Use AUS tools (DU/LPA) to evaluate loan risk and validate findings.
- Document and justify underwriting decisions clearly within the client’s Loan Origination System (LOS).
- Apply and interpret Client/Freddie Mac/Agency (FHA, VA, USDA) guidelines, lender overlays, and ATR/QM rules.
- Ensure high standards of accuracy, compliance, and timely turnaround per defined SLAs.
- Coordinate with U.S.-based processors, closers, and underwriters to resolve conditions and questions.
- Maintain required production and quality metrics on a daily/weekly basis.
- Support internal audit and post-closing quality reviews as needed.
Qualifications:
- Minimum 3–5 years of hands-on experience in US residential mortgage underwriting, with specific expertise in QM loans.
- Strong working knowledge of DU and LPA.
- Familiarity with major LOS platforms such as Encompass, Calyx Point, or similar.
- Excellent understanding of ATR/QM Rule, income calculation (W2, 1040, K1, 1120), and credit analysis.
- Strong written and verbal communication skills in English.
- Willingness to work in U.S. time zone shifts (EST/PST), if required.
Preferred Skills:
- Experience working in an offshore BPO/KPO environment supporting U.S. lenders.
- Exposure to correspondent or wholesale lending models.
- DE, LAPP/SAR certifications (preferred but not mandatory).
Unlock Rewards: Refer Candidates and Earn.
If you're not available or interested in this opportunity, please pass this along to anyone in your network who might be a good fit and interested in our open positions. VARITE offers a Candidate Referral program, where you'll receive a one-time referral bonus based on the following scale if the preferred candidate completes a three-month assignment with VARITE.
Experience Level Bonus Referral:
| 0-2 years | INR 5,000 |
| 2-6 years | INR 7,500 |
| 6+ years | INR 10,000 |
About VARITE: VARITE is a global staffing and IT consulting company providing technical consulting and team augmentation services to Fortune 500 Companies in USA, UK, CANADA and INDIA. VARITE is currently a primary and direct vendor to the leading corporations in the verticals of Networking, Cloud Infrastructure, Hardware and Software, Digital Marketing and Media Solutions, Clinical Diagnostics, Utilities, Gaming and Entertainment, and Financial Services.
Equal Opportunity Employer:
VARITE is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate based on race, color, religion, sex, sexual orientation, gender identity or expression, national origin, age, marital status, veteran status, or disability status.
