Company Name: VARITE India Private Limited
About The Client:
We are a digital transformation company. We make digital humanTM 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
About The Job:
- US Mortgage Underwriter is responsible for evaluating and underwriting residential mortgage loan applications, including Conventional, Non-QM, and DSCR products.
Essential Job Functions:
- Review and underwrite Conventional,
Non-QM, and DSCR mortgage loans.
- Analyze borrower income, assets, credit, employment, and collateral.
- Evaluate bank statements, asset depletion, 1099 income, ITIN, and P&L-only; programs.
- Ensure compliance with investors and regulatory guidelines.
- Issue approvals, conditions, suspensions, or denials.
- Review and explicit underwriting conditions.
- Collaborate with loan officers, processors, brokers, and internal teams.
- Maintain accurate underwriting records.
- Stay updated on mortgage products and regulations.
Qualifications:
- 2–5 years of US mortgage underwriting experience.
- Strong knowledge of Client, Freddie Mac, Non-QM, and DSCR guidelines.
- Experience with income analysis, risk assessment, and compliance requirements.
- Proficiency with LOS systems and DU/LP.
- Strong analytical and communication skills.
- Exposure to Encompass, Calyx Path, or similar LOS. Additio
📌 US Mortgage Underwriting (Kochi)
🏢 VARITE
📍 Kochi