We are seeking a detail-oriented and experienced Mortgage Underwriter with 24 years of hands-on experience in live US mortgage underwriting, specializing in Non-QM loan programs. The ideal candidate will have solid expertise in evaluating residential mortgage loan applications, assessing borrower eligibility, analyzing credit risk, and making sound underwriting decisions in accordance with investor and company guidelines.
Required Experience
2–4 years of Live Mortgage Underwriting experience
Mandatory experience in Non-QM Underwriting
Required Key Skills
Credit risk assessment (4Cs)
Income calculation (Salaried & Self-Employed)
Bank Statement & Full Doc underwriting
DSCR knowledge preferer
Review of appraisals, title, lien position & ownership document
Loan structuring & underwriting decision
Experience working on Encompass LOS
Strong communication skill
Working Condition
Full time position in an on-site work workplace
Requires management of multiple loan files and deadlines simultaneously
Work Schedule: US Shift (6:30 PM – 6:30 AM) with rotational 9-hour shifts.
📌 Live Underwriter Kochi
🏢 Sutherland
📍 Kochi
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