Non-QM US Mortgage Underwriter

About the Role

Sutherland is looking to hire experienced US mortgage underwriters for an on-site role in Kochi. This position focuses on non-agency residential mortgage loans, with a strong emphasis on DSCR products and other alternative documentation programs.

The role is suited to graduates with relevant underwriting experience who can assess loan risk accurately, apply investor and company guidelines, and make well-reasoned decisions in a fast-moving wholesale mortgage setup.

What You’ll Do

• Evaluate and underwrite Non-QM and DSCR mortgage applications.
• Work through alternative income and documentation structures such as asset depletion, bank statement, ITIN, 1099, and P&L-based loans.
• Review borrower credit, income, assets, and collateral to judge eligibility and risk.
• Confirm that loans align with investor, company, and regulatory requirements, including ATR/QM, TRID, RESPA, TILA, HMDA, and HOEPA.
• Carry out manual underwriting and recommend waivers or exceptions where appropriate.
• Issue clear, compliant decisions and review revised submissions quickly.
• Handle audit queries and post-closing requests for additional documents.
• Coordinate with account executives, brokers, processors, and internal teams to keep files moving accurately and on time.
• Stay updated on Non-QM products, investor rules, and secondary market changes.
• Support process improvements aimed at better efficiency, service quality, and loan performance.

Requirements

• At least 2 years of current experience underwriting Non-QM mortgage loans, especially DSCR files.
• Strong understanding of Non-QM programs and alternative documentation requirements.
• Ability to analyze complex income structures and calculate DSCR.
• Good knowledge of secondary market expectations and investor guidelines.
• Experience using automated underwriting systems such as DU and LP, along with electronic document management tools.
• Strong analytical, critical thinking, and problem-solving ability.
• Clear written and verbal communication skills.
• High attention to detail and the ability to manage several priorities in a busy environment.
• Willingness to work full-time from the office in Kochi, Kerala.
• Night shift availability.

Eligibility

Any graduate with relevant US mortgage underwriting experience may apply.

Working Conditions

• Full-time, on-site role.
• Work mode: work from office in Kochi, Kerala.
• Night shift position.
• Need to manage multiple loan files and deadlines at the same time.
• Regular coordination with loan officers, processors, account executives, operations teams, auditors, and management.

Additional Information

Sutherland notes that it does not ask for any payment or favors in exchange for employment opportunities. Any suspicious activity should be reported to the TA Helpdesk email provided in the source.

The company describes itself as a global business and digital transformation leader with more than 35 years of experience, serving clients across healthcare, insurance, banking and financial services, communications, media and entertainment, technology, travel and logistics, and retail. It emphasizes agile thinking, integrity, and flawless execution.