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HCL Technologies | Walk-In Hiring | Mortgage Underwriting

Fresher   Chennai   20 May, 2026
HCL Technologies Ltd
Job LocationChennai
EducationNot Mentioned
SalaryNot Disclosed
IndustryBFSI
Functional AreaBack Office Operations
EmploymentTypeFull-time

Job Description

    HCL Technologies | Walk-In Hiring | Mortgage Underwriting.Job SummaryThe 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.
    • Handson 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
    • Bachelors degree in finance, Accounting, Business, or a related field (preferred).
    • 15 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 DetailsDates: 20th May 26 & 21st May 26 &23rd May 26Time:11:00 AM 03:00 PMInterview Venue:HCL Technologies LtdTower - 4HR Contacts
    • Deva Dharani
    Note:Carry Updated ResumeImmediate joiners and candidates with up to 30 days notice are preferred.Interested candidates can walk-in directly during the mentioned dates & time.

Keyskills :
loan originationdtimortgage underwriting

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