Applicant-Mortgage

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. The Mortgage Underwriter is responsible for analyzing, evaluating, and underwriting residential mortgage loan applications across Conventional and Non-Qualified Mortgage (Non-QM) programs, including Debt Service Coverage Ratio (DSCR) loans and alternative documentation products. This role ensures compliance with investor, agency, company, and regulatory guidelines while assessing borrower eligibility, mitigating lending risk, and supporting timely loan decisions. The ideal candidate possesses strong analytical skills, attention to detail, and the ability to make sound underwriting decisions in a fast-paced mortgage lending environment. Key Responsibilities * Review and underwrite residential mortgage loan applications, including Conventional, Non-QM, and DSCR loan products. * Analyze borrower credit profiles, income, assets, employment history, financial stability, and collateral to determine loan eligibility and risk exposure. * Evaluate alternative documentation loan programs, including bank statement, asset depletion, ITIN, 1099, and P&L-only loans. * Calculate and assess Debt Ser