{"id":4610,"date":"2025-09-16T14:28:48","date_gmt":"2025-09-16T08:58:48","guid":{"rendered":"https:\/\/gridlines.io\/blogs\/?p=4610"},"modified":"2025-09-17T14:29:27","modified_gmt":"2025-09-17T08:59:27","slug":"role-of-income-employment-checks-in-underwriting","status":"publish","type":"post","link":"https:\/\/gridlines.io\/blogs\/role-of-income-employment-checks-in-underwriting\/","title":{"rendered":"The Role of Income &#038; Employment Checks in Fraud-Free Underwriting"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/gridlines.io\/blogs\/role-of-income-employment-checks-in-underwriting\/#The_Challenge_of_Fraud_in_Todays_Lending\" title=\"The Challenge of Fraud in Today&#8217;s Lending\">The Challenge of Fraud in Today&#8217;s Lending<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/gridlines.io\/blogs\/role-of-income-employment-checks-in-underwriting\/#Why_Income_Employment_Verification_is_Important_in_Underwriting\" title=\"Why Income &amp; Employment Verification is Important in Underwriting\">Why Income &amp; Employment Verification is Important in Underwriting<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/gridlines.io\/blogs\/role-of-income-employment-checks-in-underwriting\/#The_Historical_Approach%E2%80%94and_Its_Shortfalls\" title=\"The Historical Approach\u2014and Its Shortfalls\">The Historical Approach\u2014and Its Shortfalls<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/gridlines.io\/blogs\/role-of-income-employment-checks-in-underwriting\/#The_API-First_Shift_How_Digital_Verification_Fixes_the_Issue\" title=\"The API-First Shift: How Digital Verification Fixes the Issue\">The API-First Shift: How Digital Verification Fixes the Issue<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/gridlines.io\/blogs\/role-of-income-employment-checks-in-underwriting\/#Use_Cases_Across_Lending_Segments\" title=\"Use Cases Across Lending Segments\">Use Cases Across Lending Segments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/gridlines.io\/blogs\/role-of-income-employment-checks-in-underwriting\/#Advantages_for_Lenders\" title=\"Advantages for Lenders\">Advantages for Lenders<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/gridlines.io\/blogs\/role-of-income-employment-checks-in-underwriting\/#Benefits_to_Borrowers\" title=\"Benefits to Borrowers\">Benefits to Borrowers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/gridlines.io\/blogs\/role-of-income-employment-checks-in-underwriting\/#Establishing_Fraud-Free_Underwriting_Best_Practices\" title=\"Establishing Fraud-Free Underwriting: Best Practices\">Establishing Fraud-Free Underwriting: Best Practices<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/gridlines.io\/blogs\/role-of-income-employment-checks-in-underwriting\/#Looking_Ahead_The_Future_of_Verification_in_Underwriting\" title=\"Looking Ahead: The Future of Verification in Underwriting\">Looking Ahead: The Future of Verification in Underwriting<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>For decades, underwriting has relied heavily on credit scores as the guiding north star of decision-making. A three-digit number frequently determines if a person could get credit, on what interest rate, and under what terms. Convenient as it may be, the model is limited. Credit scores indicate how a person has dealt with debt in the past\u2014but they don&#8217;t always explain the entire story of whether a borrower has the ability and stability to repay in the future.<\/p>\n\n\n\n<p>This is where income and employment verification comes in. By checking how much a borrower makes, how often they get paid, and how stable their job is, lenders can create a much more accurate picture of repayment potential. In the digital-first lending environment of today\u2014where loan applications are approved in minutes and disbursals occur in hours\u2014income and employment verification isn&#8217;t just a piece of added security. It&#8217;s becoming the bedrock of fraud-free underwriting.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Challenge_of_Fraud_in_Todays_Lending\"><\/span><strong>The Challenge of Fraud in Today&#8217;s Lending<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The face of lending has undergone a sea change. With applications that are first online, instant approvals, and increasing consumer appetite, lenders are confronted with new and sophisticated fraud threats:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Synthetic Identities: Impostors fashion totally new identities with pilfered or doctored information.<\/li>\n\n\n\n<li>Income Misrepresentation: The borrowers misrepresent or forge salary slips, bank statements, or offer letters.<\/li>\n\n\n\n<li>Employment Fabrication: Imposter firms or shell employers are created to provide sources of fictitious income.<\/li>\n\n\n\n<li>Job Changing &amp; Volatility: Constant switching of jobs renders repayment ability uncertain.<\/li>\n\n\n\n<li>Document Manipulation: Widely accessible editing software makes it easy to manipulate PDFs and photocopies of income validations.<\/li>\n<\/ul>\n\n\n\n<p>Old-fashioned document-intensive verification procedures cannot keep up with such velocity and complexity of forgery. By the time irregularities are detected, the loan has been made, and recovery is expensive or impossible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Income_Employment_Verification_is_Important_in_Underwriting\"><\/span><strong>Why Income &amp; Employment Verification is Important in Underwriting<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"164\" src=\"https:\/\/gridlines.io\/blogs\/wp-content\/uploads\/2025\/09\/The-Role-of-Income-Employment-Checks-pointer-1024x164.png\" alt=\"Why Income &amp; Employment Verification is Important in Underwriting\" class=\"wp-image-4611\" srcset=\"https:\/\/gridlines.io\/blogs\/wp-content\/uploads\/2025\/09\/The-Role-of-Income-Employment-Checks-pointer-1024x164.png 1024w, https:\/\/gridlines.io\/blogs\/wp-content\/uploads\/2025\/09\/The-Role-of-Income-Employment-Checks-pointer-300x48.png 300w, https:\/\/gridlines.io\/blogs\/wp-content\/uploads\/2025\/09\/The-Role-of-Income-Employment-Checks-pointer-768x123.png 768w, https:\/\/gridlines.io\/blogs\/wp-content\/uploads\/2025\/09\/The-Role-of-Income-Employment-Checks-pointer-1536x246.png 1536w, https:\/\/gridlines.io\/blogs\/wp-content\/uploads\/2025\/09\/The-Role-of-Income-Employment-Checks-pointer-640x103.png 640w, https:\/\/gridlines.io\/blogs\/wp-content\/uploads\/2025\/09\/The-Role-of-Income-Employment-Checks-pointer.png 1695w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Lending is founded on trust\u2014the trust that tomorrow, money lent today will come back, with interest. Employments checks and <a href=\"https:\/\/gridlines.io\/products\/bank-api\">income checks<\/a> reinforce this trust in several ways:<\/p>\n\n\n\n<p><strong>1. Evaluating True Repayment Ability<\/strong><\/p>\n\n\n\n<p>Credit history indicates will to pay; income and employment checks validate capacity to pay. Combined, they make a more complete risk evaluation.<\/p>\n\n\n\n<p><strong>2. Minimizing Default Rates<\/strong><\/p>\n\n\n\n<p>Borrowers with income and employment that is verified and stable are statistically less probable to default. Verification filters out high-risk applicants prior to credit exposure.<\/p>\n\n\n\n<p><strong>3. Stopping Application Fraud<\/strong><\/p>\n\n\n\n<p>Income and employment that has been digitally verified makes it more difficult for fraudulent applicants to evade. Static documents that can be so easily forged are replaced by real-time checks.<\/p>\n\n\n\n<p><strong>4. Facilitating Regulatory Compliance<\/strong><\/p>\n\n\n\n<p>Regulators increasingly require lenders to show strong responsible lending checks. Income and employment verification is consistent with KYC, AML, and fair lending standards.<\/p>\n\n\n\n<p><strong>5. Enhanced Customer Segmentation<\/strong><\/p>\n\n\n\n<p>Employment and income verification enable lenders to build more precise risk-based pricing models. Rather than applying bureau scores in a one-size-fits-all approach, lenders can provide tailored products for various segments of borrowers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Historical_Approach%E2%80%94and_Its_Shortfalls\"><\/span><strong>The Historical Approach\u2014and Its Shortfalls<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Traditionally, lenders used manual document collection:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Salary slips<\/li>\n\n\n\n<li>Bank statements<\/li>\n\n\n\n<li>Income tax returns (ITRs)<\/li>\n\n\n\n<li>Employment offer letters<\/li>\n<\/ul>\n\n\n\n<p>Though these gave some comfort, they had several drawbacks:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Forgery Risk \u2013 Documents are prone to tampering.<\/li>\n\n\n\n<li>Processing Delays \u2013 Manual verification slows down disbursement of loans.<\/li>\n\n\n\n<li>Limited Coverage \u2013 Formal sector salaried employees were able to submit proofs, but gig workers, self-employed, and informal sector earners were excluded.<\/li>\n\n\n\n<li>Scalability Issues \u2013 As the volumes of lending increased, manual procedures simply could not keep pace.<\/li>\n<\/ul>\n\n\n\n<p>In a world where neobanks and fintechs offer loans in minutes, such gaps are no longer tolerable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_API-First_Shift_How_Digital_Verification_Fixes_the_Issue\"><\/span><strong>The API-First Shift: How Digital Verification Fixes the Issue<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This is where API-based income and employment verification comes in\u2014a model whereby lenders can tap into reliable sources of data to immediately verify borrower information. Gridlines platforms facilitate this change by providing:<\/p>\n\n\n\n<p><strong>Income Verification APIs<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Directly tap into salary credits in bank accounts through account aggregation.<\/li>\n\n\n\n<li>Pull tax return information from validated government sources.<\/li>\n\n\n\n<li>Examine patterns of transactions for income stability.<\/li>\n<\/ul>\n\n\n\n<p><strong>Employment Verification APIs<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Verify employment status with employer databases or third-party directories.<\/li>\n\n\n\n<li>Digitally validate offer letters and HR records.<\/li>\n\n\n\n<li>Identify ghost companies or non-verifiable employers.<\/li>\n\n\n\n<li>Real-Time Decisioning<\/li>\n\n\n\n<li>Verification that occurs in seconds, not days.<\/li>\n\n\n\n<li>Underwriters and credit engines get clean, properly formatted data in an instant.<\/li>\n<\/ul>\n\n\n\n<p><strong>Fraud Detection Algorithms<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pattern matching to identify anomalies such as multiple applicants sharing the same bank account or employer.<\/li>\n\n\n\n<li>Flagging discrepancies between reported and validated income levels.<\/li>\n\n\n\n<li>By moving away from paper-based to API-based verifications, lenders not only minimize fraud but also enhance the overall customer experience.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Use_Cases_Across_Lending_Segments\"><\/span><strong>Use Cases Across Lending Segments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The role of income and employment verification is not limited to a single category of lending. It is crucial across:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Personal Loans: Identify exaggerated salary slips prior to extending unsecured credit.<\/li>\n\n\n\n<li>Home Loans: Evaluate long-term repayment potential with income stability validated.<\/li>\n\n\n\n<li>Credit Cards: Stop churn by applicants who falsify income to obtain higher limits.<\/li>\n\n\n\n<li>SME Lending: Verify income streams of small business owners through tax and banking records.<\/li>\n\n\n\n<li>Gig Economy Lending: Verify freelancer or gig economy worker income streams with alternative data.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Advantages_for_Lenders\"><\/span><strong>Advantages for Lenders<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>By integrating income and employment verification into underwriting, lenders gain concrete benefits:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reduced Non-Performing Assets (NPAs) \u2013 Identify high-risk borrowers before exposure.<\/li>\n\n\n\n<li>Quicker Turnaround Time \u2013 API-based verification reduces approval time from days to minutes.<\/li>\n\n\n\n<li>Improved Risk Pricing \u2013 Segment borrowers more accurately by income profiles that have been verified.<\/li>\n\n\n\n<li>Operational Efficiency \u2013 Minimize manual labor and errors in verification.<\/li>\n\n\n\n<li>Scalable Growth \u2013 Process greater volumes of applications without sacrificing due diligence.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Benefits_to_Borrowers\"><\/span><strong>Benefits to Borrowers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It&#8217;s not all about lenders\u2014borrowers also benefit:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Quicker Approvals \u2013 Forget days waiting for manual verification.<\/li>\n\n\n\n<li>Fairer Access \u2013 Independent contractors and gig workers receive acknowledgment using alternative data verification.<\/li>\n\n\n\n<li>Transparent Processes \u2013 Transparent validation establishes borrower trust within the lending process.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Establishing_Fraud-Free_Underwriting_Best_Practices\"><\/span><strong>Establishing Fraud-Free Underwriting: Best Practices<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To ensure that income and employment verifications have the greatest impact, lenders need to take a multi-layered approach:<\/p>\n\n\n\n<p><strong>Integrate Verification Early<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Don&#8217;t wait until the end\u2014integrate income and employment verification at the application stage.<\/li>\n\n\n\n<li>Use Multiple Data Sources<\/li>\n\n\n\n<li>Cross-verify employer records, tax filings, and salary credits.<\/li>\n\n\n\n<li>Don&#8217;t overdepend on a single source that may be fraudulent.<\/li>\n<\/ul>\n\n\n\n<p><strong>Automate Anomaly Detection<\/strong><\/p>\n\n\n\n<p>Use AI models to identify unusual income trends, abrupt spikes in salary, or unverifiable employers.<\/p>\n\n\n\n<p><strong>Refresh Checks Periodically<\/strong><\/p>\n\n\n\n<p>For long-tenure loans, re-verify employment periodically to capture mid-term risks such as loss of job.<\/p>\n\n\n\n<p><strong>Maintain Audit Trails<\/strong><\/p>\n\n\n\n<p>Store electronic records of verification for compliance and dispute resolution.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Looking_Ahead_The_Future_of_Verification_in_Underwriting\"><\/span><strong>Looking Ahead: The Future of Verification in Underwriting<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The future of income and employment verification will be influenced by:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Account Aggregators in India: Through models such as <a href=\"https:\/\/sahamati.org.in\/account-aggregators\/\">AA<\/a> by RBI, borrowers can opt to share verified financial information in real time.<\/li>\n\n\n\n<li>Alternative Data: Payments from gig platforms, digital wallet transactions, and even bill payments can complement income verification.<\/li>\n\n\n\n<li>AI &amp; Machine Learning: Intelligenter models will shift from static verification to predictive income stability analysis.<\/li>\n\n\n\n<li>Global Standardization: As cross-border digital lending increases, globally standardized verification procedures will arise.<\/li>\n<\/ul>\n\n\n\n<p>The path is clear: underwriting will be fraud-free based on a combination of traditional credit information, real-time employment and income verification, and smart analytics.<\/p>\n\n\n\n<p><strong>Conclusion: Trust, Verified<\/strong><\/p>\n\n\n\n<p>Employment and income verification are no longer &#8220;optional add-ons&#8221; to underwriting\u2014they are the hub of fraud prevention, compliance, and lending growth that lasts. By shifting from manual documents to real-time APIs, lenders can protect against misrepresentation while also offering a smoother borrower experience.<\/p>\n\n\n\n<p>In a competitive credit market where speed, scale, and trust are more important than ever, solid income and employment verification is the lever that distinguishes irresponsible growth from sound, fraud-free lending.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>For decades, underwriting has relied heavily on credit scores as the guiding north star of decision-making. A three-digit number frequently&#8230; <\/p>\n","protected":false},"author":8,"featured_media":4612,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[57,54],"tags":[],"class_list":["post-4610","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-api","category-digital-onboarding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Role of Income &amp; Employment Checks in Fraud-Free Underwriting<\/title>\n<meta name=\"description\" content=\"Discover how income &amp; employment checks strengthen fraud-free underwriting, cut defaults, and build borrower trust.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gridlines.io\/blogs\/role-of-income-employment-checks-in-underwriting\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Role of Income &amp; Employment Checks in Fraud-Free Underwriting\" \/>\n<meta property=\"og:description\" content=\"Discover how income &amp; employment checks strengthen fraud-free underwriting, cut defaults, and build borrower trust.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gridlines.io\/blogs\/role-of-income-employment-checks-in-underwriting\/\" \/>\n<meta property=\"og:site_name\" content=\"Gridlines Blogs\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-16T08:58:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-17T08:59:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/gridlines.io\/blogs\/wp-content\/uploads\/2025\/09\/Blog-The-Role-of-Income-Employment-Checks.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"vivek agarwal\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"vivek agarwal\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/gridlines.io\/blogs\/role-of-income-employment-checks-in-underwriting\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/gridlines.io\/blogs\/role-of-income-employment-checks-in-underwriting\/\"},\"author\":{\"name\":\"vivek agarwal\",\"@id\":\"https:\/\/gridlines.io\/blogs\/#\/schema\/person\/6e07f466307f41ade0e80191b4401328\"},\"headline\":\"The Role of Income &#038; 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