Sr. Associate Account Management

Skills this role screens for

Also

SCOPE OF WORK FOR LIVE UNDERWRITER ROLE

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 and adherence to underwriting guidelines.

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 and consistently.

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 to mitigate collateral risk.

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 comprehensive risk assessment and borrower profile analysis.

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 to ensure timely loan progression.

Identify discrepancies, inconsistencies, and potential risks in loan files. Ensure all underwriting decisions comply with internal policies, regulatory requirements, and industry standards.

Handle reconciliation of complex borrower accounts and prepare daily aging and pipeline reports to track loan progress, turnaround times, and portfolio performance metrics.

Utilize LOS platforms (Encompass preferred) and adhere to underwriting workflows, ensuring accuracy, efficiency, and compliance with company standards and best practices.

Conduct quality reviews of underwriting files to ensure accuracy, completeness, and compliance. Identify process improvements and provide feedback to maintain high standards across the underwriting team.

Manage complex loan scenarios and exceptions that fall outside standard underwriting guidelines. Escalate issues appropriately and provide recommendations for resolution while maintaining compliance and risk mitigation.

Provide guidance and support to junior underwriting team members. Share knowledge on complex underwriting scenarios, best practices, and regulatory requirements to foster team development and consistency.

Communicate directly with borrowers, loan officers, and other stakeholders regarding underwriting requirements, conditions, and loan status. Maintain professional relationships while ensuring clear expectations and timely updates.

Stay current with regulatory changes, lending guidelines, and compliance requirements. Participate in training programs and ensure adherence to all applicable federal, state, and local lending regulations.

JOB DETAILS

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

• Loan Application Review & Credit Assessment:
• Income Calculation & Financial Analysis:
• Collateral & Property Evaluation:
• Underwriting Decision & Documentation:
• Workflow Management & Communication:
• Risk Identification & Compliance:
• Reporting & Reconciliation:
• System Utilization & Process Adherence:
• Quality Assurance & File Review:
• Exception Handling & Escalation Management:
• Mentoring & Team Support:
• Borrower & Stakeholder Communication:
• Regulatory Compliance & Training Adherence:

Who they want

REQUIRED QUALIFICATIONS & SKILLS

• HSC and Bachelor's Degree (Mandatory)
• 2–3 years of live underwriting experience in mortgage or lending industry
• Strong understanding of the 4 C's of Credit (Character, Capacity, Capital, Collateral)
• Expertise in income calculation and financial analysis, including self-employed borrowers and multiple income sources
• Proficiency with Loan Origination System (LOS) platforms, preferably Encompass
• Comprehensive knowledge of underwriting guidelines, lending regulations, and compliance requirements
• Strong analytical and decision-making skills with ability to identify risks and discrepancies
• Excellent verbal and written communication skills for stakeholder engagement
• Demonstrated ability to work in a fast-paced, deadline-driven environment while maintaining accuracy
• Proficiency in collateral and property valuation assessment
• Strong attention to detail and quality assurance mindset
• Ability to mentor and support junior team members

Nice to have

PREFERRED QUALIFICATIONS

• Certification in mortgage underwriting or credit analysis
• Experience with complex loan scenarios and exception handling
• Knowledge of federal, state, and local lending regulations (FNMA, FHLMC, FHA guidelines)