US Mortgage - Live Underwriter

Role & responsibilities

• Review mortgage applications and supporting documentation for accuracy and completeness.
• Strong Knowledge in 4cs.
• Evaluate borrower eligibility based on credit, income, assets, employment, and collateral information.
• Perform a detailed analysis of income and employment documentation (pay stubs, W-2s, tax returns, VOEs, etc.) to determine qualifying income (if applicable).
• Validate assets for down payment, reserves, and closing costs, ensuring proper sourcing and seasoning.
• Review preliminary credit reports, identifying potential red flags such as undisclosed debts, inquiries, or inconsistent information.
• Identify missing or incomplete documentation and condition files appropriately for further review.
• Communicate clearly with processors, loan officers, and other stakeholders regarding required documentation or any issues found.
• Document findings, calculations, and justifications in the loan origination system (ZOS).
• Work closely with Back-End Underwriters to ensure smooth handoff of files for final review and decision.

Preferred candidate profile

• Must have a minimum of 2 Years Experience in Live Underwriting.
• Immediate or Short Notice Period Candidate Preferred
• Willingness to work Night shifts & work from the office

Perks & Benefits

• Joining Bonus Up to 30K
• Competitive package
• Positive Working Environment
• Better career growth

If this sounds like you or someone you know, don't miss this opportunity!

Share your CV at: Akshay.K@sutherlandglobal.com or Reach out to 9495852665