Transforming Mortgage Underwriting with Strategic Expertise and AI-Driven Efficiency
Mortgage underwriting is the backbone of a seamless lending journey—but its complexity and demand for precision can slow the process down.
Sutherland’s Underwriting Center of Excellence (CoE) offers a comprehensive suite of solutions designed to enhance underwriting skills, reduce costs, and drive process efficiency for your mortgage business. By leveraging cutting-edge technology and industry expertise, we help you scale with speed, compliance, and confidence.
Our team consists of highly skilled and certified underwriters, empowered by AI and digital solutions to ensure compliance, reduce touch rates, and improve overall cycle time:
- Volume Fluctuation. Rapidly scale up with access to our extensive underwriting talent pool.
- Digital Transformation. Increase process efficiency through automation & AI-powered document processing.
- Cost Optimization. A dual-shore model helps reduce operational costs & achieve economies of scale.
- Training & Compliance. Tailored operational & regulatory training ensures full compliance across jurisdictions.
Why Sutherland for Mortgage Underwriting?
Sutherland has invested significantly in building an Underwriting CoE to help lenders navigate market complexities and fuel future growth.
- Largest Pool of CRU-Certified Underwriters. We offer a strong talent base offering deployment within weeks. Implementation is made available using a dual shore model.
- 15+ Years of Diverse Underwriting Experience. Expertise in Conventional, MI, FHA, VA, Non-Delegated, Delegated, HELOC, Non-QM, and Manual Underwriting.
- AI-Powered Automation. AI-driven insights (Digital appraisal review, Income verification using AI) & document validation streamline inquiries and loan scenarios, accelerating decisions. Our in-house RPA platform reduces repetitive manual reviews liberating underwriters to focus on core tasks.
- Proven Learning Center. Our learning center provides targeted refresher training, comprehensive guidance on income calculation, and expert insights into title and appraisal reviews. It also offers a Knowledge Bank with best practices and POVs, along with assessments to ensure proficiency and reinforce key skills.
- Authority with 0 Buybacks. 100% adherence to compliance and Zero buybacks. $4M credit lending authority.
Business Impact
Reduction in cycle time
Cost reduction in underwriting operations
Unlocking Digital Performance
100% Compliance & Zero Buybacks
Assurance of strict adherence to regulations, reducing risks and penalties.
Largest Pool of CRU-Certified Resources
Access to a deep pool of skilled underwriters, including offshore talent.
Digital Underwriting Prowess
From AI-enabled income verification to digital appraisal review, Sutherland’s automated solutions set the benchmark.
Outcome-Driven Models
Go beyond cost reduction with our productivity-focused approach, reducing number of touches per loan and achieving up to a 25% cycle time reduction.
