Role & responsibilities

Attractive Joining Bonus: 50000 INR as Relocation Bonus

Review and underwrite Non-QM and DSCR mortgage loans, including alternative-documentation products such as asset depletion, bank statements, ITINs, 1099s, and P&L-only; loans.

- Analyze borrower credit, income, assets, and collateral to determine eligibility and risk.
- Ensure loans meet investor and company guidelines, including regulatory and compliance standards (ATR/QM, TRID, RESPA, TILA, HMDA, HOEPA).
- Perform manual underwriting and provide recommendations for underwriting waivers or eligibility exceptions.
- Issue clear and compliant loan decisions and promptly review resubmitted documentation.
- Respond to loan audits and post-closing requests for additional documentation.
- Collaborate with Account Executives, brokers, processors, and internal teams to ensure timely and accurate loan processing.
- Stay current with Non-QM product offerings, investor guidelines, and secondary market changes.
- Contribute to process improvement initiatives to enhance efficiency, service levels, and loan quality

Preferred candidate profile

- Experience:



2+ years of current experience underwriting Non-QM mortgage loans, specifically DSCR products
- Profound knowledge of Non-QM loan programs and alternative documentation requirements.
- Ability to perform complex income and risk analyses, including DSCR calculations.
- Strong understanding of secondary market requirements and investor guidelines.
- Proficiency with automated underwriting systems (DU, LP) and electronic document management systems.
- Strong written and verbal communication skills for effective collaboration.
- Close attention to detail and the ability to manage multiple priorities in a fast-paced environment.

Perks & Benefits

- Attractive Joining Bonus: 50000
- Competitive package
- Positive Working Environment
- Better growth opportunities
- Medical Insurance
- 2-way cab Facility

If this sounds like you or someone you know, don't miss this opportunity! Share your CV at: [email protected] or Reach out to (phone hidden)

📌 US Mortgage - Live Underwriter (Navi Mumbai)
🏢 Sutherland
📍 Navi Mumbai