WE ARE HIRING – US MORTGAGE UNDERWRITER (CONVENTIONAL & NON-QM)
Kochi, Kerala
Shift: US Rotational Night Shifts
Work Mode: Work From Office for the first 6 months, followed by Work From Home
Quick Apply: https://www.offrolls.com/candidate-form?token=f153c089-ffa3-4876-80de-7a4f5606fed6
Role Overview
We are looking for an experienced US Mortgage Underwriter to evaluate and underwrite residential mortgage applications across Conventional, Non-QM, DSCR, Bank Statement, and P&L loan products. The ideal candidate will have strong expertise in income analysis, risk assessment, mortgage compliance, and investor underwriting guidelines.
Experience & Qualifications
- 2–5 years of experience in US Mortgage Underwriting
- Experience in Conventional and/or Non-QM mortgage loan products
- Strong knowledge of Fannie Mae, Freddie Mac, Non-QM, and DSCR underwriting guidelines
- Hands-on expertise in borrower income, assets, credit, employment, and collateral analysis
- Experience using Loan Origination Systems, Automated Underwriting Systems, and document-management tools
- Strong analytical, decision-making, communication, and file-management skills
- Ability to manage multiple loan files and meet deadlines in a high-volume environment
Key Responsibilities
- Review and underwrite Conventional, Non-QM, DSCR, Bank Statement, and P&L mortgage loans
- Analyze borrower income, assets, credit history, employment, and collateral to determine eligibility and risk
- Evaluate alternative-documentation loan programs, including asset depletion, 1099 income, ITIN, Bank Statement, and P&L-only files
- Ensure adherence to agency, investor, company, and regulatory mortgage guidelines
- Issue loan approvals, conditions, suspensions, or denials as per underwriting standards
- Review and clear underwriting conditions and resubmitted documentation
- Coordinate with Loan Officers, Processors, Brokers, and internal teams for timely loan decisions
- Maintain accurate underwriting records and support quality-control and audit requirements
- Stay updated with mortgage products, investor guidelines, and regulatory changes
Required Skills
- US Mortgage Underwriting
- Income Analysis
- Risk Assessment
- Mortgage Compliance
- Conventional & Non-QM Underwriting
- DSCR and P&L Mortgage Loans
- Loan Origination Systems (LOS)
- Automated Underwriting Systems – DU / LP
- Encompass / CalyxPath or similar underwriting tools
Other details:
Interview Process: 4 Rounds
- 2 telephonic rounds (5 minutes each)
- Virtual Round
- F2F (can happen from any of the Sutherland offices)
Additional Information
Relocations are considered.
UG is mandatory
Immediate joiner
Vacancies: L2 (Tenured)- 35 HC
Maximum Salary band for L2: 4 LPA-10 LPA, based on last salary, experience, and submitted proof.
Flexible to work under Rotational Shift - US Rotational Night Shifts
Work Mode: Work from Office for the first 6 months followed by Work at home.
Location: Kochi
Joining Bonus: Upto Rs 1,00,000/- (Applicable to immediate joiners only, subject to the terms and conditions)
Date of Joining: 5th Oct 2026
Pay: ₹400,000.00 - ₹1,000,000.00 per year
Work Location: In person
