Job Type: Full-time

Remote: Remote

Company Description:About SutherlandArtificial 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.SutherlandUnlocking digital performance. Delivering measurable results.Job Description: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 and adherence to underwriting guidelines.• 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 and consistently.• 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 to mitigate collateral risk.• 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 comprehensive risk assessment and borrower profile analysis.• 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 to ensure timely loan progression.• Risk Identification & Compliance:Identify discrepancies, inconsistencies, and potential risks in loan files. Ensure all underwriting decisions comply with internal policies, regulatory requirements, and industry standards.• Reporting & Reconciliation:Handle reconciliation of complex borrower accounts and prepare daily aging and pipeline reports to track loan progress, turnaround times, and portfolio performance metrics.• System Utilization & Process Adherence:Utilize LOS platforms (Encompass preferred) and adhere to underwriting workflows, ensuring accuracy, efficiency, and compliance with company standards and best practices.• Quality Assurance & File Review:Conduct quality reviews of underwriting files to ensure accuracy, completeness, and compliance. Identify process improvements and provide feedback to maintain high standards across the underwriting team.• Exception Handling & Escalation Management:Manage complex loan scenarios and exceptions that fall outside standard underwriting guidelines. Escalate issues appropriately and provide recommendations for resolution while maintaining compliance and risk mitigation.• Mentoring & Team Support:Provide guidance and support to junior underwriting team members.



Share knowledge on complex underwriting scenarios, best practices, and regulatory requirements to foster team development and consistency.• Borrower & Stakeholder Communication:Communicate directly with borrowers, loan officers, and other stakeholders regarding underwriting requirements, conditions, and loan status. Maintain qualified relationships while ensuring clear expectations and timely updates.• Regulatory Compliance & Training Adherence:Stay current with regulatory changes, lending guidelines, and compliance requirements. Participate in training programs and ensure adherence to all applicable federal, state, and local lending regulations.JOB DETAILSCompany: SutherlandLocation: Navi Mumbai (Work From Home)Experience: 2–3 Years (Live Underwriting Mandatory)Shift: US Shift (6:30 PM – 6:30 AM | Any 9 Hours)Week Offs: Rotational Weekly OffsEmployment Type: Full-TimeNotice Period: Immediate Joiners PreferredQualifications:REQUIRED QUALIFICATIONS & SKILLSHSC and Bachelor's Degree (Mandatory)2–3 years of live underwriting experience in mortgage or lending industryStrong understanding of the 4 C's of Credit (Character, Capacity, Capital, Collateral)Expertise in income calculation and financial analysis, including self-employed borrowers and multiple income sourcesProficiency with Loan Origination System (LOS) platforms, preferably EncompassComprehensive knowledge of underwriting guidelines, lending regulations, and compliance requirementsStrong analytical and decision-making skills with ability to identify risks and discrepanciesExcellent verbal and written communication skills for stakeholder engagementDemonstrated ability to work in a fast-paced, deadline-driven environment while maintaining accuracyProficiency in collateral and property valuation assessmentStrong attention to detail and quality assurance mindsetAbility to mentor and support junior team membersPREFERRED QUALIFICATIONSCertification in mortgage underwriting or credit analysisExperience with complex loan scenarios and exception handlingKnowledge of federal, state, and local lending regulations (FNMA, FHLMC, FHA guidelines)Additional Information:

📌 Sr. Associate Account Management (Navi Mumbai)
🏢 Sutherland
📍 Navi Mumbai