Credit Specialist

About the role

Zillow Home Loans provides customers with a streamlined option for their home financing needs. By utilizing Zillow's home-buying expertise and cutting-edge technology, we're working to create an easier, smoother 'check-out' experience in the real-estate transaction. Zillow Group is a strategic, mission-driven organization focused on delivering exceptional experiences and measurable outcomes. Our work spans cross-functional partnership, scalable programs and operational excellence in support of Zillow's mission. We bring deep experience working across diverse teams in a dynamic, high-growth environment, balancing strategic thinking with hands-on execution to drive meaningful business impact. We are seeking an experienced professional to support our workforce expansion in India. The role of the Underwriter is to conduct a thorough analysis of mortgage loan files to determine compliance with agency, company and investor guidelines to ensure salability of closed loans. Additional responsibilities include: - Review resubmitted files and documents - Make and issue independent and compliant loan decisions - Enter information into Encompass LOS to document and validate the file - Maintain company service level and turn-time standards - Maintain confidentiality with private and sensitive information - Respond to audits and post-closing issues on time - Maintain working and specific knowledge of agency and investor guidelines and policies and regulatory and market changes - Collaborate with processing staff on underwriting deficiencies and calculation errors and loan processors regarding acceptable credit documentation This role has been categorized as an Office position. "Office" employees regularly work at the Zillow India office for approximately 80 to 100 percent of their time each month. Employees must live within a reasonable commuting distance of the office. Zillow has not defined a reasonable distance, and expects employees will use judgment in determining this for themselves and understand the implications re: time commitment and cost of daily commute. In addition to a competitive base pay, employees in this role are eligible for incentive compensation subject to applicable laws and relevant Zillow policies. Actual amounts will vary depending on experience, performance and location.

Requirements

• A minimum of 5+ years of recent residential mortgage underwriting experience
• 6+ years mortgage industry experience
• Ability to Underwrite mortgage loan files for agency compliance and investor guidelines
• Experience reviewing and evaluating borrower profiles, including income documentation, personal and business tax returns, credit reports, preliminary title reports, and appraisals
• Ability to manage a large pipeline and effectively handle pressure and tight deadlines
• Strong analytical decision-making, problem-solving, prioritization of workload
• Ability to succeed in a fast-paced, high-stakes environment and maintain a high level of quality and production standards
• Strong verbal and written communication skills and able to develop and maintain professional relationships with peers and management
• Experience underwriting Jumbo loans preferred
• Experience with recent manual underwriting
• Experience in a medium to large size nonbank lender preferred
• Encompass experience preferred
• Working Arrangement: Onsite- This role is based in Bangalore, and all work related activities are expected to be completed in Bangalore. The role requires onsite work 4 days per week, with 1 remote working day per week. The shift is 9:00 AM - 5:00PM PST.
• Get to know us
• At Zillow, we're reimagining how people move-through the real estate market and through their careers.
• Whether you're working in tech, operations, or shared services, you'll collaborate with global partners to solve meaningful problems and help more people make home a reality.
• No matter where you sit in the organization, your work will help drive innovation, support our customers, and move the industry-and your career-forward, together.
• Zillow Group is an equal opportunity employer committed to fostering an inclusive, innovative environment with the best employees. We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national ori

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