Senior Associate Account Management

Tech Sales Jobs

Mumbai

On-site

INR 1,200,000 - 1,500,000

Full time

14 days+

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Benefits offered by this job

Mediclaim and Insurance

Travel allowance

Job summary

Sutherland Mortgage Services is seeking a Sr. Associate Account Management in Navi Mumbai to perform live underwriting for US mortgage loans. You will review 1003/URLA, analyze borrower credit, income, assets and liabilities, and make underwriting decisions following guidelines.

The role requires strong attention to detail and collaboration with processors. Work From Office in Navi Mumbai with US shift hours. Prior experience in live underwriting and DU/AUS is essential.

Qualifications

US Residential Mortgage Live Underwriting experience (2+ years)
Strong knowledge of 1003/URLA documentation
Experience with DU/AUS and underwriting decisions
Strong income, credit, asset and liability analysis
Non-QM / DSCR experience preferred
HSC or Graduate passouts can apply

Responsibilities

Review 1003/URLA and loan documents.
Analyze income, employment, assets, liabilities, credit and REO.
Review Non-QM / DSCR loan scenarios.
Validate bank statements, large deposits and source of funds.
Review appraisal, property, occupancy and LTV/CLTV.
Identify discrepancies across documents.
Make independent underwriting decisions based on guidelines.

Skills

US Residential Mortgage Live Underwrid

1003/URLA documentation

DU/AUS

Income/Asset/Liability analysis

Non-QM/DSCR experience

Education

HSC or Graduate

Tools

Encompass LOS

Job description

Sr. Associate Account Management

Location: Mumbai, MH, India, //MH, in

Company Description

About Sutherland

Artificial 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.

Sutherland

Unlocking digital performance. Delivering measurable results.

Job Description

Key Responsibilities

Review 1003/URLA and supporting loan documents.
Analyze income, employment, assets, liabilities, credit and REO.
Review Non-QM / DSCR loan scenarios.
Validate bank statements, large deposits and source of funds.
Review appraisal, property, occupancy and LTV/CLTV.
Identify discrepancies across 1003, credit and supporting documents.
Make independent underwriting decisions based on applicable guidelines.
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.

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.