Sr. Mortgage Underwriter- West Coast or west coast hours preferred

Sutherland; Arizona; Remote; USD 65,000 - 90,000; Full time

Job summary

Sutherland Mortgage Services Inc. is hiring a Mortgage Underwriter to work from home. The role requires analyzing employment profiles, credit strength, and property details to make informed credit decisions on mortgage applications.

Ideal candidates have strong communication and analytical skills, with 5+ years of underwriting experience and familiarity with AUS and Encompass/ Empower. The position offers a work-from-home setup with provided equipment and nationwide coverage.

Qualifications

• Experience in mortgage underwriting and decisioning on applications.
• Strong communication skills, written and verbal.
• Solid analytical abilities and attention to detail.
• Familiarity with regulatory guidelines and investor requirements.

Responsibilities

• Decision incoming applications consistent with internal, client and investor policies.
• Analyze employment profile, credit strength, property characteristics, and all other information pertinent to the credit decision on each mortgage application.
• Prioritize deals in Workflow queue in order to minimize turnaround time.
• Select required conditions on each deal to be satisfied prior to funding.
• Using the underwriting system, input: selected conditions, credit information, property details, and borrower information.
• Verify accuracy of supporting employment, down payment, appraisal, and financial documentation received.
• Review documentation for compliance with internal and regulatory guidelines.
• Correspond with processors to attain outstanding documentation needed to complete requirements as stipulated on the commitment.

Skills

Mortgage underwriting

Communication skills

Analytical skills

Multitasking

Regulatory knowledge

Tools

AUS

Encompass/ Empower

Job description

Sutherland Mortgage Services Inc. is a premier nationwide provider of end to end mortgage solutions including originations, underwriting, processing, closing, post-closing and loan servicing support. With over 30 years of experience we have developed an integrated BPO platform. Sutherland has built mutually beneficial relationships with some of the world’s most recognized companies. Sutherland Mortgage Services’ Team Players work throughout the country with our state-of-the-art Work at Home (WAH) Program. We offer an unmatched ability to deliver the highest value and greatest returns to our customers. We are a collaborative, considerate and friendly team. Having a diverse, inclusive and respectful workplace is important to us and we support your career development, internal mobility and work-life balance.

We are now hiring a Mortgage Underwriter to work from home with Sutherland equipment provided. We are seeking top notch, attentive, and goal-oriented underwriters who have experience in retail or correspondent frontline mortgage underwriting. If you are looking to build a fulfilling career and are confident you have the skills and experience to help us succeed, we want to work with you!

What you will be doing?

• Decision incoming applications consistent with internal, client and investor policies.
• Analyze employment profile, credit strength, property characteristics, and all other information pertinent to the credit decision on each mortgage application.
• Prioritize deals in Workflow queue in order to minimize turnaround time.
• Select required conditions on each deal to be satisfied prior to funding.
• Using the underwriting system, input: selected conditions, credit information, property details, and borrower information.
• Verify accuracy of supporting employment, down payment, appraisal, and financial documentation received.
• Review documentation for compliance with internal and regulatory guidelines.
• Correspond with processors to attain outstanding documentation needed to complete requirements as stipulated on the commitment.
• 5+ years prior Mortgage Underwriting experience preferred.
• Strong communication skills, verbal and written
• Strong analytical skills
• Demonstrated ability to resolve complicated issues as they arise
• Proven organizational skills and demonstrated ability to prioritize and multi-task
• Prior AUS experience required
• Prior experience with FNMA/FHLMC guidelines required
• Encompass/Empower experience a plus

EEOC and Veteran Documentation

During employment, employees are treated without regard to race, color, religion, sex, national origin, age, marital or veteran status, medical condition or handicap, or any other legally protected status. At times, government agencies require periodic reports from employers on the sex, ethnicity, handicap, veteran and other protected status of employees. The purpose of this Administrative EEO Record is for statistical analysis only and is used to comply with government record keeping, reporting, and other legal requirements. Periodic reports are made to the government on the following information. The completion of the Administrative EEO record is optional. If you choose to volunteer the requested information, please note that all Administrative EEO Records are kept in a Confidential File and are not part of your Application for Employment or Personnel file. Please note: YOUR COOPERATION IS VOLUNTARY. INCLUSION OR EXCLUSION OF ANY DATA WILL NOT AFFECT ANY EMPLOYMENT DECISION.