US Mortgage Live Underwriter

About Sutherland

Sutherland is a global leader specializing in business and digital transformations, delivering exceptional customer experiences across various industries. With more than 35 years of expertise, it integrates domain knowledge with advanced AI, automation, analytics, and digital services to optimize growth and productivity. The company prides itself on agility, innovative thinking, integrity, and flawless execution while serving sectors like Healthcare, Insurance, Banking, Communications, Media, Technology, Travel, and Retail.

Role & Responsibilities

This position involves reviewing and underwriting Non-QM and DSCR mortgage loans, including alternative documentation loans such as asset depletion, bank statements, ITINs, 1099s, and P&L-only loans. Candidates will analyze borrower credentials, income, and collateral to assess eligibility and potential risk. Ensuring compliance with investor and company guidelines, including regulatory standards like ATR/QM, TRID, RESPA, TILA, HMDA, and HOEPA, is essential. The role includes manual underwriting, advising on underwriting waivers or exceptions, issuing clear loan decisions, and managing re-submissions. Responding to loan audits and post-closing documentation requests also forms part of the duties. Collaboration with Account Executives, brokers, processors, and internal teams is required to maintain efficient loan processing. Staying updated on Non-QM products, investor rules, and market changes is vital. The role supports process enhancement initiatives aiming to improve service and loan quality.

Candidate Profile

• Minimum 2 years of relevant experience in underwriting Non-QM mortgage loans, particularly DSCR products.
• In-depth understanding of Non-QM programs and alternative documentation criteria.
• Competency in complex income and risk analysis including DSCR calculations.
• Familiarity with secondary market regulations and investor guidelines.
• Experience using automated underwriting systems like DU and LP, plus electronic document management tools.
• Excellent communication skills for effective teamwork and coordination.
• Detail-oriented with the ability to handle multiple tasks in a dynamic environment.

Perks & Benefits

• A substantial joining bonus of 50000 INR as a relocation incentive.
• Competitive salary package.
• Supportive and positive work environment.
• Opportunities for career advancement.
• Medical insurance coverage.
• Two-way cab transportation facility.