Front End Live Underwriter - Us Mortgage || Wfh @ Sutherland

Job Description

Job Description :- Live Underwriting into one powerful, end-to-end Mortgage Operations role:

Company: Sutherland
Location: Navi Mumbai (Work From Home)
Job Type: Full-Time
Shift: US Shift (6:30 PM 6:30 AM | Any 9 Hours)
Week Offs: Saturday & Sunday (Fixed)
Experience: 24 Years (US Underwriting Mortgage Mandatory)
Notice Period: Immediate Joiners Preferred

Required Qualifications & Skills

• HSC and Bachelors Degree (Mandatory)
• 25 years of experience in mortgage operations (processing, underwriting, QC, or compliance)
• Strong understanding of the mortgage lifecycle (origination to servicing)
• Expertise in income calculation, including self-employed borrowers
• Working knowledge of 4 Cs of Credit and underwriting guidelines

Experience -2+ year of US Live Underwriting experience

• Review mortgage applications and supporting documentation for accuracy and completeness.
• Evaluate borrower eligibility based on credit, income, assets, employment, and collateral information.
• Perform detailed analysis of income and employment documentation (paystubs, W-2s, tax returns, VOEs, etc.) to determine qualifying income (if applicable).
• Assess borrower eligibility using the 4 Cs of Credit (Character, Capacity, Capital, Collateral).
• Validate assets for down payment, reserves, and closing costs, ensuring proper sourcing and seasoning.
• Review preliminary credit reports, identifying potential red flags such as undisclosed debts, inquiries, or inconsistent information.
• Ensure loans comply with company policies, investor guidelines and applicable regulations.
• Identify missing or incomplete documentation and condition files appropriately for further review.
• Communicate clearly with processors, loan officers, and other stakeholders regarding required documentation or issues found.
• Document findings, calculations, and justifications in the loan origination system (ZOS).
• Work closely with Back-End Underwriters to ensure smooth handoff of files for final review and decision.

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Keyskills:   Us Mortgage Underwriting US Live Underwriting Underwriting Us Residential Mortgage US Mortgage Appraisal