Live Mortgage Underwriter

About Sutherland

Sutherland is a global pioneer in business and digital transformations, delivering exceptional customer journey experiences. With over 35 years in the field, the company combines extensive domain knowledge with proprietary and partner tools to optimize growth, efficiency, and productivity. Their expertise spans cognitive AI, intelligent automation, advanced analytics, and digital services, serving clients in industries such as Healthcare, Insurance, Banking and Financial Services, Communications, Media and Entertainment, Technology, Travel and Logistics, and Retail. Sutherland operates with core values of agility, innovative thinking, integrity, and flawless execution, employing over 40,000 professionals worldwide.

Role Summary

We are looking for a meticulous Mortgage Underwriter with substantial experience in live US mortgage underwriting, especially in Non-QM loan programs. The candidate will be responsible for assessing residential mortgage loan applications by evaluating borrower eligibility, credit risk, and aligning decisions with investor and company standards.

Responsibilities

• Perform credit risk assessments using the 4Cs methodology.
• Calculate income for both salaried and self-employed applicants.
• Execute full documentation and bank statement underwriting.
• Apply knowledge of Debt Service Coverage Ratio (DSCR) where relevant.
• Review appraisals, title reports, lien positions, and ownership documentation.
• Structure loans and make underwriting decisions.
• Work efficiently within the Encompass Loan Origination System (LOS).
• Manage multiple loan files while meeting tight deadlines.

Qualifications

• Bachelor's degree is required.
• Between 2 to 4 years of experience in live mortgage underwriting.
• Mandatory experience with Non-Qualified Mortgage (Non-QM) underwriting.

Working Conditions

• This is a full-time, on-site role based in Kochi, India.
• The work schedule follows US shifts from 6:30 PM to 6:30 AM with rotational 9-hour shifts.