Process Specialist – Consumer Underwriting (Bangalore)

About the role

Infosys BPM is seeking a Process Specialist for its Consumer Underwriting team in Bangalore. The role involves reviewing mortgage loan applications, assessing borrower creditworthiness and collateral, and making underwriting decisions in line with investor and regulatory guidelines.

Key responsibilities

• Analyze loan files, including income, employment, assets, credit history and property appraisal.
• Apply DTI, LTV and other underwriting criteria to determine loan eligibility.
• Render final underwriting decisions and recommend actions for loans exceeding authority limits.
• Ensure compliance with Fannie Mae, Freddie Mac, and government agency guidelines.
• Maintain accurate documentation and meet US night‑shift service levels.

Required profile

• Graduate (any discipline) with 2‑4 years of underwriting or related experience.
• Ability to work US night shifts (06:30 PM – 03:30 AM IST) and report to a supervisor.
• Immediate to 30‑day notice period.

Required skills

• Live Underwriting
• Desktop Underwriting (DU)
• Loan Prospector (LP)
• DTI and LTV analysis