job description
Join Sutherland as a Mortgage Underwriter and play a pivotal role in evaluating residential mortgage loan applications for Conventional and Government-backed programs. This remote position allows you to work from the vibrant locations of Bali, Indonesia, offering a perfect blend of professional growth and tropical lifestyle.
As a Mortgage Underwriter, you will analyze financial documents, assess creditworthiness, and ensure compliance with lending guidelines. Your expertise will directly impact loan approvals, helping clients achieve their homeownership dreams while maintaining risk mitigation for the lender.
This role is ideal for detail-oriented professionals with a strong background in finance, risk assessment, or mortgage lending. Sutherland provides a dynamic work environment with opportunities for career advancement, competitive compensation, and the flexibility of remote work in one of the world’s most sought-after destinations.
Responsibility
- Review and analyze residential mortgage loan applications for Conventional, FHA, VA, and USDA programs.
- Evaluate borrower financial documents, including income statements, credit reports, and asset verifications.
- Assess risk factors and ensure compliance with underwriting guidelines, policies, and regulatory requirements.
- Make informed decisions on loan approvals, denials, or suspensions based on thorough analysis.
- Collaborate with loan officers, processors, and closers to resolve discrepancies or missing documentation.
- Maintain accurate and up-to-date records of underwriting decisions and supporting documentation.
- Stay current with industry trends, lending regulations, and underwriting best practices.
- Provide clear and professional communication to stakeholders regarding underwriting decisions.
Qualifications
- Bachelor’s degree in Finance, Business, Economics, or a related field (or equivalent experience).
- Minimum of 2+ years of experience in mortgage underwriting, loan processing, or a related financial role.
- Strong knowledge of mortgage lending guidelines (e.g., Fannie Mae, Freddie Mac, FHA, VA).
- Proficiency in underwriting software and tools (e.g., DU, LP, Encompass).
- Excellent analytical, decision-making, and problem-solving skills.
- Detail-oriented with a high degree of accuracy in reviewing financial documents.
- Ability to work independently in a remote setting while meeting deadlines.
- Strong written and verbal communication skills in English.