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Remote Mortgage Underwriter

Sutherland Houston, TX
  • Expired: October 04, 2019. Applications are no longer accepted.

Sutherland Mortgage Services, Inc. is seeking an experienced and motivated individual to join our underwriting team operating within the High Net Worth ("HNW") space.  The candidate will possess exceptional underwriting skills with excellent oral and written communication abilities. The HNW Underwriter is responsible for HNW credit decisions from the initial application through the complete mortgage process for Private Bankers that support their Private Wealth Managers and HNW clients.


  • Review of credit reports to determine credit pattern, current liabilities, outstanding judgments and collections

  • Analyze income from salaried, commissioned, self-employed, investments, fixed income sources through review of income tax returns, personal financial statements, supporting income tax return schedules, cash flow and leverage

  • Analyze asset statements for all types of asset accounts and determine monthly income based on statements and/or asset depletion

  • Review of residential mortgage appraisals, title and insurance requirements

  • Knowledge of the requirements to meet CFPB's Ability to repay standard

  • Earn delegated credit authority to approve loans within delegated credit authority limits and in accordance with credit policy

  • Prepare and present credit exception requests to Senior Management, documenting specific exceptions to credit policy and compensating factors

  • Suggest appropriate deal structures and communicate directly with Private Bankers about documentation requirements

  • Create counter offers as additional facts become known

  • Work with Quality Assurance on all loan files where an exception to credit policy was granted and other loan files selected for review

  • Perform a thorough analysis to ensure the quality of each loan and to determine compliance

    with company or investor guidelines

  • Ability to effectively make decisions in an independent manner

  • Must be able to identify tasks to be completed and move forward independently without prompting

  • Must be able self-accountable for doing whatever is needed to meet all commitments and deadlines


  • Minimum 8 years of residential mortgage underwriting experience, exposure to ...



Houston, TX