Non-QM US Mortgage Underwriter

About the Role

Sutherland is seeking experienced US mortgage underwriters to join its Navi Mumbai office. The position focuses on Non-QM and DSCR loan underwriting for residential mortgage applications that fall outside standard agency guidelines. The role requires sound judgment, careful risk assessment, and close alignment with company as well as investor rules.

What You Will Do

• Evaluate and underwrite Non-QM and DSCR mortgage loan files.
• Work through alternative documentation loan types such as bank statement, asset depletion, ITIN, 1099, and profit & loss only programs.
• Assess borrower creditworthiness, income, assets, collateral, and overall risk profile.
• Apply investor and regulatory requirements, including ATR/QM, TRID, RESPA, TILA, HMDA, and HOEPA.
• Handle manual underwriting and recommend exceptions when appropriate.
• Produce accurate underwriting decisions and review newly submitted documents.
• Assist with post-closing audits and document follow-ups.
• Coordinate with account executives, brokers, processors, and internal stakeholders.
• Keep current on Non-QM products, investor rules, and secondary market updates.
• Support initiatives that improve process efficiency and operational quality.

What We Are Looking For

• At least 2 years of current experience in US Non-QM mortgage underwriting, with strong exposure to DSCR loans.
• Solid understanding of Non-QM loan programs and alternative documentation standards.
• Hands-on knowledge of DSCR calculations and complex income/risk assessment.
• Familiarity with secondary market expectations and investor guidelines.
• Experience using Desktop Underwriter (DU), Loan Product Advisor (LP), and digital document management tools.
• Strong analytical, problem-solving, and communication abilities.
• Capability to manage several loan files simultaneously in a high-volume, fast-moving setting.
• High attention to detail and accuracy.

Work Details

This is a full-time, work-from-office role based in Navi Mumbai. The position follows a night shift schedule.

Eligibility

Candidates from any graduation background may apply, provided they meet the experience requirement.

Important Notice

Sutherland does not ask for money or any favor in return for employment. If you notice suspicious activity, report it to TAHelpdesk@Sutherlandglobal.com.