QC Mortgage Underwriter

Role overview

Tata Consultancy Services is seeking a Mortgage QC Underwriter to review completed mortgage files and confirm that underwriting decisions align with policy, investor standards, and government requirements. This role focuses on quality control for closed loans, with careful validation of supporting documents, credit factors, and compliance with applicable lending rules.

What you'll do

• Evaluate closed mortgage files to ensure the original credit decision is consistent with underwriting guidelines and submitted documentation.
• Review borrower income, employment details, credit profile, property appraisal, debt-to-income ratio, loan-to-value ratio, and other key credit factors.
• Confirm that each loan application follows lender requirements, investor guidelines such as Freddie Mac or Fannie Mae standards, and any relevant government agency rules.
• Assess lending risk to determine whether the file is acceptable for approval.
• Record errors and deficiencies identified during the review.
• Check the accuracy of employment verification, source of down payment and reserves, appraisal value, and title commitment documents.
• Review legal documents, when included, to ensure they are complete and accurate.
• Determine whether mortgage insurance is required and apply the relevant MI guidelines if needed.
• Maintain service-level expectations and underwriting deadlines.
• Support onboarding and training for new hires.
• Perform internal quality checks, provide floor support, and share feedback with colleagues.
• Handle email communication promptly and professionally.

Experience and knowledge required

The ideal candidate should have 24 to 36 months of experience in conventional mortgage underwriting or QA/QC. A solid understanding of the complete loan lifecycle is important, along with practical knowledge of Desktop Underwriter (DU) and Loan Prospector (LP).

Skills and competencies

This role calls for strong verbal and written communication, sharp analytical thinking, the ability to work through complex issues, and excellent organization, prioritization, and multitasking skills.

Compensation

The salary range for this position is $65,000 to $80,000 per year.

Qualifications

A diploma is required.

Employee benefits

• Discretionary annual incentive.
• Medical coverage, including health, dental, vision, disability planning and insurance, and pet insurance.
• Parental and maternal leave support.
• Auto and home insurance options, plus identity theft protection.
• Commuter support and reimbursement for certifications and training.
• Paid time off, including vacation, sick leave, holidays, and additional time off.
• Legal assistance, 401(k) plan, performance bonus, college fund support, and student loan refinancing assistance.