Learn Retail Credit and
US Mortgage Underwriting
- What is credit? Lending ecosystem overview
- Retail vs corporate credit
- Types of retail loans (Home Loan, LAP, PL, Auto, Cards)
- Loan lifecycle: Application → Assessment → Approval → Disbursement → Monitoring
- Overview of Indian & Global Retail Credit Ecosystem
Outcome: Solid grounding in how retail credit works.
- What “Character” means in lending
- Reading credit bureau reports (CIBIL, Experian, Equifax, TransUnion)
- Past repayment behaviour & key red flags
- Enquiry trends, delinquencies & score insights
- Behavioural signs showing intent to repay
- Early indicators of fraud or credit misuse
Outcome: Ability to evaluate borrower trustworthiness and historical behaviour.
- Meaning of repayment capacity
- Income proof review (Salary Slips, Bank Statements, ITRs, W2s, Tax Returns)
- DTI & FOIR calculations
- Existing loans & liabilities assessment
- Income stability: salaried vs self-employed
- Cash-flow analysis for self-employed borrowers
Outcome: Master repayment-capacity evaluation using financial documentation.
- Meaning of capital in credit assessment
- Net worth, liquidity & savings analysis
- Mortgage reserves concept (months of EMI saved)
- Impact of strong capital on eligibility & comfort
Outcome: Assess borrower’s financial cushioning and long-term comfort.
- Meaning of collateral & secured lending
- Property valuation methods (Market, Cost, Income)
- Title search, legal & encumbrance checks
- LTV management & borrower margin
- PITI / P&I understanding
Outcome: Practical skills in assessing collateral quality and security.
- External factors impacting repayment
- Macroeconomic, industry & regulatory conditions
- Borrower-specific risk conditions
- Loan covenants, sanction terms & policy norms
Outcome: Understand how conditions shape overall credit risk.
- Eligibility criteria & documentation
- Income assessment for home loans
- Property valuation norms
- Construction-linked disbursement
- LTV norms
- EMI structuring, tenor, fixed vs floating
- RERA, KYC & AML compliance
Outcome: Ability to underwrite a complete Indian home loan file.
- Types of LAP (Residential / Commercial / Industrial)
- Income assessment & FOIR
- Collateral risk vs home loan
- Market value vs distress value
- Legal & technical red flags
- Loan structure, margin & covenants
Outcome: Capability to evaluate high-risk collateralised credit.
- US mortgage ecosystem: Fannie Mae & Freddie Mac
- Loan types: Conventional, FHA, VA, Jumbo
- Key regulations: RESPA, TILA, ECOA
- Documents: W2, 1040, VOI/VOE, Assets, Appraisal
- Front-end & back-end DTI
- Automated underwriting: DU & LPA
Outcome: Master agency-style US mortgage underwriting.
- Australian mortgage system overview
- ASIC & APRA lending rules
- Household Expenditure Measure (HEM)
- Income verification (salaried & self-employed)
- Property valuation practices
- Major bank lending policies
Outcome: Proficiency in Australian mortgage evaluation & compliance.
- Credit memo preparation
- Sanction terms & conditions
- Disbursement workflows
- Monitoring, EWS & collections linkage
Outcome: Understand end-to-end underwriting operations.
- Home Loan underwriting
- Loan Against Property (LAP)
- Personal Loan
- US Mortgage file
- Australian Mortgage file
Outcome: Job-ready underwriting skills across India, US & Australia.
Learner Profile
Banking: Sales, Operations & Retail Credit
BPO / KPO: Finance & Mortgage Support
Insurance: Sales & Financial Services
Retail: Sales & Customer Support
Fresh Graduates / Post-Graduates: Aspiring credit & lending professionals
Commerce / Management: B.Com, BBA, MBA
Engineering / Science: B.Tech, B.Sc, BA
Professional Courses: CA / CMA Foundation
0–2 Years: Freshers & early-career professionals
2–5 Years: Mid-level professionals in banking, BPO/KPO, or finance
5–7 Years: Experienced professionals seeking skill upgrade or domain switch
Career Transitioners: Moving into retail credit, mortgage underwriting, or global credit operations
Course Fees
Our fee model is designed to be transparent and performance-driven. The total cost is split into:
COMPREHENSIVE TRAINING FEE
(Upfront and Non-refundable)₹ 39,999/-
(incl. of all taxes)Gain everything you need to learn, practice, and excel
Lifetime access to video modules & study materials
Live expert mentorship from industry lending professionals
Case studies & capstone projects for real-world learning
Industry-recognized certification upon completion
Flexible, modern learning format – learn anytime, anywhere
Resume revamp & LinkedIn profile optimization
Mock interviews to boost your placement readiness
PLACEMENT SUCCESS FEE
Eligibility: Passing The Final Exam₹ 49,999/-
(incl. of all taxes)Payable ONLY upon successful placement through Sprint Learn’s efforts and upon your acceptance of the offer
You pay this fee only if you secure a job through us
Note: This is not a Job Guarantee Program
Know Your Career Progression Timeline
How to become a Certified Retail Credit
& US Mortgage Underwriter?
An end-to-end outline of the program milestones leading to placement opportunities.
