Applicant - Mortgage

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Skills you'll use

What you'll do

• 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.

Who can apply

• Required Qualifications
• Bachelor's degree in Finance, Business Administration, Economics, or a related field preferred; equivalent industry experience may be considered.
• Minimum 2–5 years of mortgage underwriting experience, including Conventional and/or Non-QM loan products.
• Strong knowledge of Conventional underwriting guidelines, including Fannie Mae and Freddie Mac requirements.
• Experience underwriting Non-QM products, including DSCR and alternative documentation loans, preferred.
• Thorough understanding of mortgage lending regulations and compliance requirements.
• Proficiency with Loan Origination Systems (LOS), Automated Underwriting Systems (AUS), including DU and LP, and electronic document management systems.
• Strong analytical, critical thinking, and decision-making skills.
• Ability to perform detailed income calculations, credit analysis, collateral review, and risk assessment.
• Good written and verbal communication skills.

About Sutherland

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