Credit Specialist
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Monthly Salary:
Posted on:
14 hours ago
Vacancies:
1 Vacancy
Job Summary
About the team
Zillow Home Loans provides customers with a streamlined option for their home financing needs. By utilizing Zillows home-buying expertise and cutting-edge technology were 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 Zillows 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.
About the role
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.
Who you are
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 were reimagining how people movethrough the real estate market and through their careers.
As the most-visited real estate platform in the U.S. Zillow helps millions of customers navigate buying selling financing and renting with greater ease and confidence. Our teams in India play a critical role in building and scaling the technology products and operations that power this experience.
Whether youre working in tech operations or shared services youll collaborate with global partners to solve meaningful problems and help more people make home a reality.
Zillow is honored to be recognized among the best workplaces in the U.S.. Zillow was named one of FORTUNE 100 Best Companies to Work For in 2025 and included on the PEOPLE Companies That Care 2025 list reflecting our commitment to creating an innovative inclusive and engaging culture where employees are empowered to grow.
No matter where you sit in the organization your work will help drive innovation support our customers and move the industryand your careerforward 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 origin sexual orientation age citizenship marital status disability gender maternity status HIV status or veteran status. Reasonable accommodations will be provided to candidates with disabilities in accordance with applicable policies.
Required Experience:
IC
Key Skills
About Company
The leading real estate marketplace. Search millions of for-sale and rental listings, compare Zestimate® home values and connect with local professionals.
