Applicant - Mortgage

Sutherland
Kochi
Workplace: OnsiteFull timeFunction: Banking, Lending & CreditExperience: 2-5 yearsEducation: bachelorsSkills: ["Analytical skills","Critical thinking","Decision-making","Attention to detail","Written and verbal communication"]

Underwrite residential mortgage applications across Conventional and Non-QM programs, including DSCR and alternative documentation loans. Analyze borrower credit, income, assets, employment history, collateral, and DSCR to assess eligibility and risk. Apply agency, investor, and regulatory guidelines (e.g., Fannie Mae/Freddie Mac, ATR/QM, TRID, RESPA, TILA, HMDA/HOEPA), issue approval decisions, and ensure documentation accuracy. Support audits, quality control, and process improvements while managing multiple loan files and deadlines.

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FursaFursa
Sutherland
Sutherland
1 month ago

Applicant - Mortgage

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Last checked: 7 hours agoStatus: Live

Job Summary

Underwrite residential mortgage applications across Conventional and Non-QM programs, including DSCR and alternative documentation loans. Analyze borrower credit, income, assets, employment history, collateral, and DSCR to assess eligibility and risk. Apply agency, investor, and regulatory guidelines (e.g., Fannie Mae/Freddie Mac, ATR/QM, TRID, RESPA, TILA, HMDA/HOEPA), issue approval decisions, and ensure documentation accuracy. Support audits, quality control, and process improvements while managing multiple loan files and deadlines.
Location: Kochi
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Mid level

Key Responsibilities

  • •Review and underwrite residential mortgage loan applications, including Conventional, Non-QM, and DSCR products.
  • •Analyze borrower credit, income, assets, employment history, and collateral to determine eligibility and risk exposure.
  • •Evaluate alternative documentation programs and calculate DSCR, performing complex income and risk analyses.
  • •Ensure compliance with agency, investor, company, and federal/state lending guidelines; perform manual underwriting and evaluate exceptions.
  • •Issue underwriting decisions (approval/conditional/suspension/denial), review documentation for accuracy and compliance, and maintain accurate records while managing multiple files and deadlines.

Key Requirements

  • •Minimum 2–5 years of mortgage underwriting experience with Conventional and/or Non-QM loan products.
  • •Strong knowledge of Conventional underwriting guidelines, including Fannie Mae and Freddie Mac requirements.
  • •Experience underwriting Non-QM products, including DSCR and alternative documentation loans (e.g., bank statement, asset depletion, ITIN, 1099, P&L-only).
  • •Thorough understanding of mortgage lending regulations and compliance requirements.
  • •Proficiency with Loan Origination Systems (LOS) and Automated Underwriting Systems (AUS), including DU and LP, plus electronic document management systems.
Experience:2-5 yearsMortgage underwritingConventional mortgageNon-QMDSCR loansAlternative documentationWholesale/correspondent/retail channels
Education:Bachelor's in Finance, Business Administration, Economics, or a related field
Skills:Analytical skillsCritical thinkingDecision-makingAttention to detailWritten and verbal communication
Languages:English
Tech Stack:Loan Origination Systems (LOS)Automated Underwriting Systems (AUS)DULPElectronic document management systemsTRIDRES...PATILAHMDAHOEPA

Company Brief

Sutherland
Global digital transformation and business process services firm offering AI, automation, cloud engineering, analytics and customer experience solutions to enterprises across industries.
Industry: Professional Services
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Established Company
Funding: Private Equity Backed
Headquarters: Pittsford (Rochester), NY, United States
Founded: 1986
Glassdoor
Glassdoor: 3.5
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