US Mortgage Live Underwriter

About Sutherland

Sutherland is a globally recognized leader specializing in business and digital transformation, delivering exceptional customer experiences through comprehensive client engagement. With a legacy spanning over 35 years, the company integrates deep domain knowledge, cutting-edge technologies including AI, intelligent automation, advanced analytics, and digital services to enhance growth, efficiency, and productivity for its clients across industries such as Healthcare, Banking, Insurance, Technology, and Retail. Operating a team of 40,000 with proprietary and partnered platforms, Sutherland is committed to innovation underscored by agility, integrity, and flawless execution.

Role Overview and Responsibilities

• Conduct thorough underwriting reviews for Non-QM and DSCR mortgage loans, including alternative documentation types like asset depletion, bank statements, ITINs, 1099s, and P&L-only loans.
• Analyze borrower financials—credit, income, assets, and collateral—to assess eligibility and risk accurately.
• Ensure compliance with investor, regulatory, and company standards including ATR/QM, TRID, RESPA, TILA, HMDA, and HOEPA.
• Execute manual underwriting processes, providing well-founded recommendations for waivers or exceptions.
• Deliver precise and compliant loan decisions and promptly handle the review of any resubmitted documents.
• Address loan audit inquiries and fulfill post-closing documentation requests efficiently.
• Foster collaboration with Account Executives, brokers, processors, and internal teams to facilitate timely loan processing.
• Maintain up-to-date knowledge of Non-QM products, investor guidelines, and secondary market changes.
• Participate in initiatives aimed at improving process efficiency, service quality, and loan accuracy.

Preferred Qualifications and Experience

• Minimum of 2 years’ experience underwriting Non-QM mortgage loans, with emphasis on DSCR products.
• In-depth understanding of Non-QM loan programs and alternative documentation criteria.
• Competence in performing complex income and DSCR risk analysis.
• Strong grasp of secondary market demands and investor requirements.
• Familiarity with automated underwriting tools such as DU and LP, plus electronic document management systems.
• Excellent verbal and written communication skills to support effective teamwork.
• Detail-oriented with the capability to balance multiple assignments in a dynamic environment.

Compensation and Benefits

• Attractive joining bonus of INR 50,000 as a relocation incentive.
• Competitive salary package reflecting experience and skillset.
• Supportive and positive work culture fostering career advancement.
• Comprehensive medical insurance coverage.
• Provision of two-way cab transportation facility.