抵押贷款承销员
Mortgage Underwriter
在人工智能和金融科技的交汇处一起创造。在Ocrolus，我们的使命是帮助贷款机构有信心地自动化流程——简化金融机构评估借款人的方式，使贷款决策更快、更准确。
我们为贷款机构提供的AI工作流和分析平台已得到大规模信任，每月处理近一百万份信用申请，涵盖中小企业、抵押贷款和消费贷款。通过将最先进的开源和闭源AI模型与我们的“人工在回路”验证引擎相结合，Ocrolus从金融文档中提取数据的准确率超过99%。由于我们先进的欺诈检测和全面的现金流和收入分析，我们的客户在风险管理方面实现了更高的效率，并扩大了信贷的可及性——最终创建一个更加包容的金融体系。
Ocrolus已被400多家客户信赖，包括Better Mortgage、Brex、Enova、Nova Credit、PayPal、Plaid、SoFi和Square等行业领导者，处于金融科技AI创新的最前沿。加入我们，帮助重新定义全球最具创新精神的贷款机构如何开展业务。
**职位名称：抵押贷款承销员** **地点：远程**
**时间：印度标准时间下午6点至凌晨3点**
**简介**
我们正在寻找一位经验丰富的**抵押贷款承销员**加入我们的团队。该职位需要深厚的承销专业知识，包括对Fannie Mae、Freddie Mac、FHA和VA指南的全面了解，以对我们的抵押贷款产品进行持续测试。
成功的候选人将有实际经验解读和分析收入、资产、信用、AUS和抵押品文件，应用承销规则，执行收入计算并创建条件。利用这一专业知识，抵押贷款承销员将与销售和产品团队紧密合作，识别并支持产品改进和新功能开发。
**你将负责：**
- **产品测试**
- 运用对Fannie Mae、Freddie Mac、FHA和VA指南的高级知识，严格测试抵押贷款承销工具并验证准确性。
- 审核借款人文件（收入、资产、信用、抵押品、AUS结果），确认产品中承销规则的正确应用，如收入计算器输出。
- 详细记录测试结果，标记差异，并推荐解决方案以确保符合监管机构和投资者的标准。
- 作为承销领域的专家，提供专业支持和指导。
查看英文原文
Come build at the intersection of AI and fintech. At Ocrolus, we’re on a mission to help lenders automate workflows with confidence—streamlining how financial institutions evaluate borrowers and enabling faster, more accurate lending decisions.
Our AI workflow and analytics platform for lenders is trusted at scale, processing nearly one million credit applications every month across small business, mortgage, and consumer lending. By integrating state-of-the-art open- and closed-source AI models with our human-in-the-loop verification engine, Ocrolus captures data from financial documents with over 99% accuracy. Thanks to our advanced fraud detection and comprehensive cash flow and income analytics, our customers achieve greater efficiency in risk management, and provide expanded access to credit—ultimately creating a more inclusive financial system.
Trusted by more than 400 customers—including industry leaders like Better Mortgage, Brex, Enova, Nova Credit, PayPal, Plaid, SoFi, and Square—Ocrolus stands at the forefront of AI innovation in fintech. Join us, and help redefine how the world’s most innovative lenders do business.
**Job Title: Mortgage Underwriter** **Location: Remote**
**Timings: 6 PM to 3 AM IST**
**Summary**
We are seeking an experienced **Mortgage Underwriter** to join our team. This role will draw on deep underwriting expertise—including comprehensive knowledge of Fannie Mae, Freddie Mac, FHA, and VA guidelines—to perform continuous testing on our mortgage products.
The successful candidate will have hands-on experience interpreting and analyzing income, asset, credit, AUS, and collateral documentation, applying underwriting rules, performing income calculations and creating conditions. Leveraging this expertise, the Mortgage Underwriter will partner closely with the Sales and Product teams to identify and support product improvements and new feature development.
**What you'll do:**
- **Product Testing**
- Apply advanced knowledge of Fannie Mae, Freddie Mac, FHA, and VA guidelines to rigorously test mortgage underwriting tools and validate accuracy.
- Review borrower documentation (income, assets, credit, collateral, AUS findings) and confirm the correct application of underwriting rules within the product, such as income calculator output.
- Document test results thoroughly, flag discrepancies, and recommend solutions to ensure compliance with agency and investor standards.
- Serve as the subject matter expert on underwriting practices, providing clarity and context to both technical and non-technical teams.
- **Collaboration & Communication**
- Translate complex underwriting requirements into clear and simple language and communicate effectively to stakeholders, both written and verbal.
- Partner closely with Product to share enhancement opportunities.
- Provide ongoing SME input to the Sales team.
- Communicate findings and recommendations effectively to both leadership and cross-functional stakeholders, ensuring alignment across teams.
**Who we're looking for: (Skill Sets and Qualifications)**
- 3+ years of mortgage underwriting experience, including FHA and VA.
- Skilled in reviewing borrower documentation (e.g., W-2s, tax returns, pay stubs, self-employment income, appraisal, title, etc).
- Strong expertise in income analysis, credit evaluation, and AUS findings.
- Experience testing technology products or tools is a plus.
- Tech-savvy with ability to critique mortgage software and explain findings clearly.
- Excellent documentation, prioritization, and communication skills.
**Preferred Qualifications**
- Experience with fintech or SaaS mortgage tools.
- Familiarity with automated income calculation or verification platforms.
- Exposure to agile product development environments.
**Life at Ocrolus**
We’re a team of builders, thinkers, and problem solvers who care deeply about our mission — and each other. As a fast-growing, remote-first company, we offer an environment where you can grow your skills, take ownership of your work, and make a meaningful impact.
**Our culture is grounded in four core values:** **Empathy –** Understand and serve with compassion
**Curiosity –** Explore new ideas and question the status quo **Humility –** Listen, be grounded, and remain open-minded
**Ownership –** Love what you do, work hard, and deliver excellence
We believe diverse perspectives drive better outcomes. That’s why we’re committed to fostering an inclusive workplace where everyone has a seat at the table, regardless of race, gender, gender identity, age, disability, national origin, or any other protected characteristic.
We look forward to building the future of lending together.