Live Underwriter - US Mortgage

Company Overview

Sutherland is an AI-led digital transformation organization that delivers measurable business results for clients. It builds, operates, and automates the processes it transforms so that AI solutions are deployed in production and kept improving over time. By combining modern technology with deep process knowledge, the company helps clients work more efficiently, lower risk, and improve customer experiences. The environment is global and innovation-focused, with opportunities to contribute to complex, high-impact work. Collaboration, ongoing learning, and strong performance are central to the culture.

Role Summary

This is a full-time remote opportunity for a Live Underwriter - US Mortgage. The role focuses on reviewing residential mortgage applications in real time and assessing credit, income, assets, collateral, and supporting documents to decide whether the file meets investor, insurer, and internal guidelines. The underwriter evaluates risk, checks data accuracy, clears conditions, and issues approvals, suspensions, or declines with a well-supported rationale. The position also requires regular coordination with loan officers, processors, and quality teams to resolve issues, request more information, and keep decisions moving within turnaround targets.

Key Responsibilities

• Assess residential mortgage applications as they come in and determine eligibility based on applicable guidelines.
• Review credit, income, assets, collateral, and supporting paperwork for completeness and accuracy.
• Analyze loan-level risk and make timely underwriting decisions.
• Clear conditions and document the reasons behind approvals, suspensions, or declines.
• Work closely with loan officers, processors, and quality teams to resolve file issues and obtain missing information.
• Maintain service-level expectations while following compliance and lending standards.
• Support process improvements and contribute to better workflow efficiency.
• Communicate underwriting outcomes clearly, professionally, and consistently.

Required Qualifications

• Strong background in the mortgage industry with knowledge of US mortgage products, regulations, and compliance requirements.
• Proven experience in mortgage underwriting and broader underwriting practices, including evaluation of credit, income, assets, and collateral.
• Practical experience handling mortgage loan files and related documentation in retail, wholesale, or correspondent settings.
• Strong analytical ability to interpret financial information, evaluate risk, and reach sound decisions quickly.
• Working knowledge of AUS tools such as DU and LP, along with common LOS platforms.
• Excellent written and verbal communication skills for explaining decisions to internal stakeholders.
• Strong attention to detail, good organization, and the ability to manage a consistent pipeline while meeting turnaround goals.
• Ability to work independently in a remote setup with reliability, integrity, and steady performance.
• Prior US mortgage underwriting experience is preferred, with conventional underwriting experience; FHA, VA, and USDA exposure is an added advantage.
• Training or certification in mortgage lending or underwriting is preferred, and an associate or bachelor’s degree in a related field is beneficial.

Additional Information

Location: Bhopal, Madhya Pradesh, India

Work model: Full-time, remote.

Employer focus: The company emphasizes AI-enabled operations, continuous improvement, collaboration, and strong performance standards.

Note: This role requires consistent professional communication, accurate judgment, and strict adherence to company policies as well as lending regulations.