Senior Mortgage Underwriter

Sutherland; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Sutherland in Mumbai, India, is seeking a detail-oriented Mortgage Underwriter with 2–4 years of hands-on experience in live US mortgage underwriting, focusing on Non-QM loan programs. You will evaluate residential applications, assess borrower eligibility, and analyze credit risk.

Responsibilities include reviewing appraisals, title, lien positions, and ownership documents; managing multiple files and deadlines; working on Encompass LOS; and supporting investor guidelines.

Qualifications

• 2–4 years of live mortgage underwriting experience.
• Mandatory experience in Non-QM underwriting.

Responsibilities

• Review appraisals, title, lien position and ownership documents.
• Manage multiple loan files and deadlines with a US shift.

Skills

DSCR knowledge

Encompass LOS

Residential underwriting

Education

Bachelor's Degree

Tools

Encompass LOS

Job description

We are seeking a detail-oriented and experienced Mortgage Underwriter with 2–4 years of hands‑on experience in live US mortgage underwriting, specializing in Non-QM loan programs. The ideal candidate will have strong expertise in evaluating residential mortgage loan applications, assessing borrower eligibility, analyzing credit risk, and making sound underwriting decisions in accordance with investor and company guidelines.

Required Experience

• 2–4 years of Live Mortgage Underwriting experience
• Mandatory experience in Non-QM Underwriting

Required Key Skills

• DSCR knowledge preferer
• Review of appraisals, title, lien position & ownership document
• Experience working on Encompass LOS

Educational Qualification

• Bachelor's Degree (Mandatory)

Working Condition

• Full-time position in an on‑site work environment
• Requires management of multiple loan files and deadlines simultaneously
• Work Schedule: US Shift (6:30 PM – 6:30 AM) with rotational 9-hour shifts.