Deskripsi Pekerjaan
Sutherland is a global leader in digital transformation and process excellence. We are currently seeking a motivated and detail-oriented US Mortgage Underwriter to join our growing Banking & Financial Services division in the heart of Kuala Lumpur. This is an exceptional opportunity for professionals with a background in US mortgage services to advance their careers with a world-class organization.
As a US Mortgage Underwriter at Sutherland, you will play a critical role in the residential lending lifecycle. You will be responsible for assessing the risk and creditworthiness of loan applicants, ensuring that all mortgage files meet the rigorous standards set by US federal regulations and investor guidelines. We offer a dynamic work environment, competitive compensation, and the chance to work with some of the most prominent names in the global financial sector.
Tanggung Jawab
- Conduct thorough reviews of mortgage loan applications to determine eligibility and compliance with US secondary market guidelines.
- Analyze borrower income, employment history, assets, and credit reports to assess overall risk.
- Verify the accuracy of property appraisals and ensure collateral meets investor requirements.
- Utilize Automated Underwriting Systems (AUS) such as Desktop Underwriter (DU) and Loan Prospector (LP).
- Identify red flags and potential fraud through meticulous documentation verification.
- Communicate clearly with loan officers and processors to request additional documentation or clarify discrepancies.
- Ensure all decisions are made within the Service Level Agreements (SLA) while maintaining high-quality standards.
- Keep abreast of changes in FNMA, FHLMC, FHA, and VA guidelines.
Kualifikasi
- Possess a Bachelor’s degree in Finance, Accounting, Business, or a related field.
- Minimum of 2-5 years of direct experience in US Mortgage Underwriting (Residential).
- Profound understanding of US mortgage regulations and compliance standards.
- Strong expertise in analyzing tax returns, pay stubs, and complex financial statements.
- Proficiency in mortgage software such as Encompass or similar Loan Origination Systems (LOS).
- Excellent command of written and spoken English, as you will be supporting the US market.
- Demonstrated ability to make sound, independent decisions in a fast-paced environment.
- Willingness to work in shifts aligned with US business hours.