Mortgage Underwriter

Applicant - Mortgage

Company Description

Sutherland is a digital transformation company focused on delivering exceptional experiences for both customers and employees. For over 37 years, we have been entrusted with caring for our clients’ customers - a responsibility we believe we should earn every day. We are dedicated to making those experiences as delightful as possible - instantaneous, relevant, predictive and frictionless. As an early pioneer in robotic automation, we added to our core through steady investment and acquiring key capabilities. Our design capabilities marry human insight, design-thinking, and process engineering. To make these designs come to life as envisioned by our designers, we employ the latest in robotic automation, conversational AI techniques with a range of AI-ML enhanced products and cloud-based platforms.

We believe that the best relationships come from trust and value.  We call it One Sutherland.

Job Description

We are seeking candidates with relevant US mortgage underwriting experience to join us.

if you’re a graduate and carry relevant experience you can apply.

Job Description:

• Meet training requirements (New hire, refresher, update, and remedial training)
• Review the mortgage documents and complete the process steps defined by the client.
• Follow investor guidelines and client overlays.
• Perform the basic calculations with regard to mortgage processing.
• Update the information in LOS.
• Inform the client when additional documents are required.
• Meet the Document Review timelines (Goals) / reduce the time taken for even better results.
• Adhere to Schedule and other operational requirements.
• Seek assistance from support staff as required and follow two to say "No" policy for seamless review results.
• Active participation in performance improvement initiatives (individual level & program level).
• Maintain the quality standards and undergo necessary coaching sessions for improving review.

Qualifications

Basic Requirements:

• 6 months - 3 years prior US Mortgage Underwriting experience preferred.
• Excellent oratory skills to communicate with US clients
• Good English written communication skills
• Client LOS such as the following but not limited to - Encompass, Scuba, Blacknight, AWS, etc.
• Knowledge about 4C’s (Credit, Capital, Capacity and Collateral)
• Graduates (with degree certificates)
• Comfortable to Work from Office
• Comfortable with US Rotational Night Shifts
• Immediate Joiner
• Knowledge about DSCR and Bank Statement income files is an added advantage
• Hands-on experience with Credit analysis, Income Verification and Calculation.
• Knowledge about Fannie Mae (FNMA) and Freddie Mac (FHLMC) Guidelines
• Knowledge about Conventional / FHA / VA loans
• DTI/LTV Ratio Calculations to assess risk

Additional Information

• Why Join Us?

• Competitive salary in line with market standards
• Opportunity to make a significant impact in a global organization
• A dynamic and supportive work environmen

If you’re ready to take your career to the next level and leverage your skills in a rewarding role, we want to hear from you!

Perks: Cab facilities available (within 25 Kms of office location).

Experience Level

Entry Level