Artificial Intelligence. Automation. Cloud engineering. Advanced analytics. For business leaders, these are key factors of success. For us, they’re our core expertise.
We work with iconic brands worldwide. We bring them a unique value proposition through market-leading technology and business process excellence.
We’ve created over 200 unique inventions under several patents across AI and other critical technologies. Leveraging our advanced products and platforms, we drive digital transformation, optimize critical business operations, reinvent experiences, and pioneer new solutions, all provided through a seamless “as a service” model.
For each company, we provide new keys for their businesses, the people they work with, and the customers they serve. We tailor proven and rapid formulas, to fit their unique DNA. We bring together human expertise and artificial intelligence to develop digital chemistry. This unlocks new possibilities, transformative outcomes and enduring relationships.
Sutherland
Unlocking digital performance. Delivering measurable results.
Review and analyze loan applications and supporting documentation including income, credit reports, employment history, and property details. Assess borrower creditworthiness using the 4 C's methodology (Character, Capacity, Capital, Collateral) to ensure sound lending decisions.
Evaluate and calculate borrower income from various sources including salaried, hourly, commission, bonus, rental, and self-employment income. Analyze documents such as paystubs, W-2s, tax returns, and business financials (Schedule C, K-1, 1065, 1120S) to determine qualifying income accurately.
Review appraisal reports, AVMs, and residential valuation documents to validate property value and ensure compliance with lending guidelines. Analyze title reports, lien positions, and ownership details.
Prepare detailed underwriting summaries, identify red flags, and document conditions and stipulations within the Loan Origination System (LOS), preferably Encompass. Recommend appropriate loan structures based on risk assessment.
Issue clear and comprehensive condition requests to borrowers and processors. Track condition fulfillment, verify document receipt, and manage timelines to ensure expedited loan progression toward clear-to-close status.
Collaborate with processors and internal stakeholders throughout the underwriting lifecycle. Provide clear communication on loan decisions, required conditions, and final clear-to-close (CTC) status. Escalate complex issues to senior management when necessary.
Identify discrepancies, inconsistencies, and potential risks in loan files. Ensure all underwriting decisions comply with internal policies and regulatory requirements including Fair Lending, TRID, and other applicable regulations.
Conduct thorough quality reviews of underwritten files to ensure accuracy, completeness, and adherence to company standards. Identify opportunities for process improvement and best practice implementation.
Handle reconciliation of complex borrower accounts and prepare daily aging and pipeline reports to track loan progress and turnaround times. Monitor key performance indicators (KPIs) and provide metrics to management.
Utilize LOS platforms (Encompass preferred) and adhere to underwriting workflows, ensuring accuracy, efficiency, and compliance with company standards. Maintain organized file documentation and audit trails.
Manage non-standard loan scenarios, unusual financial situations, and exception cases requiring enhanced analysis. Develop creative solutions while maintaining regulatory compliance and risk mitigation.
As a senior-level associate, mentor junior underwriting staff and processors on best practices, policy updates, and complex underwriting scenarios. Contribute to team development and process documentation.
Monitor individual and team performance against established benchmarks including loan turnaround times, accuracy rates, and productivity metrics. Analyze performance data to identify trends and opportunities for continuous improvement.
Stay current with evolving lending regulations, compliance requirements, and industry updates. Participate in ongoing training and communicate regulatory changes to team members to ensure organizational compliance.
Coordinate with loan officers, real estate agents, appraisers, and other external stakeholders to facilitate smooth loan processing. Manage escalations and resolve conflicts professionally while maintaining positive client relationships.
Company: Sutherland
Location: Navi Mumbai (Work From Home)
Experience: 2–3 Years (Live Underwriting Mandatory)
Shift: US Shift (6:30 PM – 6:30 AM | Any 9 Hours)
Week Offs: Rotational Weekly Offs
Employment Type: Full-Time
Notice Period: Immediate Joiners Preferred
REQUIRED QUALIFICATIONS & SKILLS
Artificial Intelligence. Automation. Cloud Engineering. Advanced Analytics.
For Enterprises, these are key factors of success. For us, they’re our core expertise.
We work with global iconic brands. We bring them a unique value proposition through market-leading technologies and business process excellence. At the heart of it all is Digital Engineering services – the foundation that powers rapid innovation and scalable business transformation.
We’ve created 363 unique and independent inventions, 250 of which are AI-based and rolled up under several patent grants in critical technologies. Leveraging our advanced products and platforms, we drive digital transformation at scale, optimize critical business operations, reinvent experiences, and pioneer new solutions, all provided through a seamless “as-a-service” model.
For each company, we provide new keys for their businesses, the people they work with, and the customers they serve. With proven strategies and agile execution, we don’t just enable change — we engineer digital outcomes.
