About Sutherland
Artificial Intelligence. Automation. Cloud engineering. Advanced analytics. For business leaders, these are key factors of success. For us, they’re our core expertise.
We work with iconic brands worldwide. We bring them a unique value proposition through market-leading technology and business process excellence.
We’ve created over 200 unique inventions under several patents across AI and other critical technologies. Leveraging our advanced products and platforms, we drive digital transformation, optimize critical business operations, reinvent experiences, and pioneer new solutions, all provided through a seamless “as a service” model.
For each company, we provide new keys for their businesses, the people they work with, and the customers they serve. We tailor proven and rapid formulas, to fit their unique DNA. We bring together human expertise and artificial intelligence to develop digital chemistry. This unlocks new possibilities, transformative outcomes and enduring relationships.
Sutherland
Unlocking digital performance. Delivering measurable results.
Key Responsibilities
- Review 1003/URLA and supporting loan documents.
- Analyze income, employment, assets, liabilities, credit and REO.
- Review Non-QM / DSCR loan scenarios.
- Validate bank statements, large deposits and source of funds.
- Review appraisal, property, occupancy and LTV/CLTV.
- Identify discrepancies across 1003, credit and supporting documents.
- Make independent underwriting decisions based on applicable guidelines.
SCOPE OF WORK FOR LIVE UNDERWRITER ROLE
• Loan Application Review & Credit Assessment:
Review and analyze loan applications and supporting documentation including income, credit reports, employment history, and property details. Assess borrower creditworthiness using the 4 C’s methodology (Character, Capacity, Capital, Collateral) to ensure sound lending decisions.• Income Calculation & Financial Analysis:
Evaluate and calculate borrower income from various sources including salaried, hourly, commission, bonus, rental, and self-employment income. Analyze documents such as paystubs, W-2s, tax returns, and business financials (Schedule C, K-1, 1065, 1120S) to determine qualifying income accurately.• Collateral & Property Evaluation:
Review appraisal reports, AVMs, and residential valuation documents to validate property value and ensure compliance with lending guidelines. Analyze title reports, lien positions, and ownership details.• Underwriting Decision & Documentation:
Prepare detailed underwriting summaries, identify red flags, and document conditions and stipulations within the Loan Origination System (LOS), preferably Encompass. Recommend appropriate loan structures based on risk assessment.• Workflow Management & Communication:
Collaborate with processors and internal stakeholders throughout the underwriting lifecycle. Provide clear communication on loan decisions, required conditions, and final clear-to-close (CTC) status.• Risk Identification & Compliance:
Identify discrepancies, inconsistencies, and potential risks in loan files. Ensure all underwriting decisions comply with internal policies and regulatory requirements.• Reporting & Reconciliation:
• System Utilization & Process Adherence:
Handle reconciliation of complex borrower accounts and prepare daily aging and pipeline reports to track loan progress and turnaround times.
Utilize LOS platforms (Encompass preferred) and adhere to underwriting workflows, ensuring accuracy, efficiency, and compliance with company standards.
Mandatory Skills
- US Residential Mortgage Live Underwriting experience - 2 years and above
- Strong knowledge of 1003/URLA documentation
- Experience with DU/AUS
- Strong income, credit, asset and liability analysis
- Non-QM / DSCR experience preferred
- HSC or Graduate passouts can apply for the job
JOB DETAILS
- Company: Sutherland Mortgage Services
- Location: Navi Mumbai (Work From Office)
- Experience: 2–3 Years (Live Underwriting Mandatory)
- Shift: US Shift (Any 9 Hours of shift)
- Week Offs: 2 Week offs
- Employment Type: Full-Time
- Mediclaim and Insurance benefits along with travel allowance.
Skills Required
- At least 2 years of U.S. residential mortgage live underwriting experience
- Strong knowledge of 1003/URLA documentation
- Experience with DU/AUS
- Strong income, credit, asset, and liability analysis skills
- HSC or graduate-level education
- Non-QM/DSCR underwriting experience
Sutherland Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Sutherland and has not been reviewed or approved by Sutherland.
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Flexible Benefits — Flexible scheduling and work-from-home arrangements are offered on certain programs, supported by remote-work infrastructure and virtual IT support. Program-specific flexibility is emphasized for “Sutherland Anywhere” roles.
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Leave & Time Off Breadth — Paid time off and paid training are positioned as standard elements, with some materials also highlighting flexible vacation days. Core leave features are presented as part of the baseline package.
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Strong & Reliable Incentives — Performance incentives, bonuses, and commissions are available on selected programs to supplement base pay. Goal-linked earnings opportunities are described for certain functions.
Sutherland Insights
What We Do
We make digital ?????™ by combining human-centered design with real-time Analytics, AI, Cognitive Technology & Automation to create exceptionally engineered Brand Experiences! Sutherland is an experience-led digital transformation company. Our mission is to deliver exceptionally engineered experiences for customers and employees today, that continue to delight tomorrow. For over 35 years, we have cared for our customers’ customers, delivering measurable results and accelerating growth. Our proprietary, AI-based products and platforms are built using robust IP and automation. We are a team of global professionals, operationally effective, culturally meshed, and committed to our clients and to one another. We call it One Sutherland. #MakeDigitalHuman
