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 Cs 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: Handle reconciliation of complex borrower accounts and prepare daily aging and pipeline reports to track loan progress and turnaround times.

- System Utilization & Process Adherence: Utilize LOS platforms (Encompass preferred) and adhere to underwriting workflows, ensuring accuracy, efficiency, and compliance with company standards.

JOB DETAILS

- Company: Sutherland
- Location: Navi Mumbai (Work From Office)
- Experience: 23 Years (Live Underwriting Mandatory)
- Shift: US Shift (6:30 PM 6:30 AM | Any 9 Hours)
- Week Offs: Saturday & Sunday Fixed
- Employment Type: Full-Time

REQUIRED QUALIFICATIONS & SKILLS

- HSC and Bachelors Degree (Mandatory)
- Strong understanding of 4 Cs of Credit
- Expertise in income calculation (including self-employed borrowers)
- Experience with LOS systems (Encompass preferred)
- Good analytical and decision-making skills
- Strong verbal and written communication
- Ability to work in a quick-paced, deadline-driven environment

Click & Apply:- https://wa.me/911725680531?text=Hi%2C%20I'd%20like%20to%20apply%20for%20Customer%20Service%20Consultant%20%5BREF4812W%5D

📌 LIVE Underwriter test (Kochi)
🏢 Sutherland
📍 Kochi