Sutherland: Applicant - Mortgage — Kochi, KL, India

About Sutherland

Sutherland works in business and digital transformation, combining technology services with business-process expertise. Its employer descriptions identify artificial intelligence, automation, cloud engineering and advanced analytics as areas of activity. The company uses products, platforms and service delivery to improve business operations and customer experiences. Its stated approach brings human expertise together with AI, adapting technology and process changes to the needs of the organisation receiving the service rather than providing only a standalone software product.

The position and its setting

Sutherland lists Applicant - Mortgage in Kochi, KL, India, under reference REF32912H. The details below separate the work described by the employer from essential conditions, preferred experience and practical preparation advice.

• Employment type: Full-time
• Employer listing date: 3 September 2026
• Brands: Sutherland

Responsibilities and work described

• 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 analytical skills, attention to detail, and the ability to make sound underwriting decisions in a fast-paced mortgage lending environment
• Review: and underwrite residential mortgage loan applications, including Conventional, Non-QM, and DSCR loan products
• Analysis: 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 Service Coverage Ratios (DSCR) and perform complex income and risk analyses
• Quality / delivery: compliance with agency, investor, company, federal, and state lending guidelines, including Fannie Mae, Freddie Mac, ATR/QM, TRID, RESPA, TILA, HMDA, HOEPA, and other applicable regulations
• Execution: manual underwriting when required and evaluate exception requests within established risk parameters
• Issue loan approvals, conditional approvals, suspensions, or denials based on underwriting guidelines and risk assessment
• Review: loan documentation for accuracy, completeness, consistency, and regulatory compliance, identifying discrepancies and potential risk factors
• Communicate underwriting requirements and decisions to loan officers, account executives, brokers, processors, and other stakeholders
• Review: resubmitted conditions and documentation to ensure timely loan processing and closing
• Maintenance: accurate records of underwriting decisions and loan documentation
• Support: internal audits, quality control reviews, and post-closing documentation requests
• Stay current on mortgage industry trends, investor requirements, agency guidelines, regulatory changes, and Non-QM product offerings

Essential requirements and candidate background

• Minimum 2–5 years of mortgage underwriting experience, including Conventional and/or Non-QM loan products
• Knowledge: Conventional underwriting guidelines, including Fannie Mae and Freddie Mac requirements
• Thorough understanding of mortgage lending regulations and compliance requirements
• Proficiency: Loan Origination Systems (LOS), Automated Underwriting Systems (AUS), including DU and LP, and electronic document management systems
• Analytical, critical thinking, and decision-making skills
• Perform detailed income calculations, credit analysis, collateral review, and risk assessment
• Good written and verbal communication skills
• High attention to detail with organizational and time-management abilities
• Work independently and effectively manage a high-volume pipeline in a fast-paced environment

Education and qualification routes

• Degree / qualification: Bachelor's degree in Finance, Business Administration, Economics, or a related field preferred; equivalent industry experience may be considered

Preferred experience and additional strengths

• Experience underwriting Non-QM products, including DSCR and alternative documentation loans, preferred
• Experience working with wholesale, correspondent, or retail mortgage lending channels
• Familiarity: secondary market requirements and investor-specific guidelines
• Knowledge: quality control, audit processes, and post-closing reviews

Location, schedule and contract conditions

• US Rotational Night Shifts
• Work arrangement: On-site
• Advertised location: Kochi, KL, India

Pay and application dates

A verified salary figure is not established in this article. An online estimate for another Applicant - Mortgage vacancy is not an offer for reference REF32912H; use the employer’s own pay disclosure and recruitment communication.

A closing date is not confirmed in this article. Check the current employer page before submitting: an undated posting can change or be withdrawn.

How to apply to Sutherland

Applications follow the official employer page linked below.

Open the official Sutherland posting below and match the title and reference REF32912H.

Compare your qualifications and experience with the essential conditions for the Kochi, KL, India position, then read the preferred criteria separately.

Prepare an accurate CV and the supporting items requested in that employer’s application. Provide only information and documents you are authorised to share.

Use the employer’s application option, complete the required fields and review the submission. Retain the acknowledgement when one is provided. Job Alerts World does not receive the application.

Practical preparation: quality control

Quality-control experience is clearer when it describes what was checked, the acceptance basis and how a non-conforming result was handled. Include the records or review process where those were part of your work.

Relevant skills

• quality control
• process improvement
• audit
• compliance
• customer support
• stakeholder management
• communication