Rolling-element bearings are widely used in industrial rotating machines, and hence there is a strong need to accurately predict their influence on the response of such systems. However, this can be challenging due to an interaction between the dynamics of the rotor and the bearing nonlinearities, and it becomes difficult to provide a physical explanation for the nonlinear response. A novel approach, combining a Jeffcott rotor supported by a detailed bearing model with the generalised harmonic balance method, is presented, enabling an in-depth study of the complex rotor-stator interaction. This allows the quasi-periodic response of the rotor, due to variable compliance, to be captured, and the impact of clearance, ring and stator compliance, and centrifugal loading of the bearing on the response to be investigated. A strongly nonlinear response was observed due to the bearing, leading to large shifts in frequency as the excitation amplitude was increased, and the emergence of stable and unstable operating regions. The variable compliance effect generated sub-synchronous forcing, which led to sub-resonances when the ball pass frequency coincided with the frequency of one of the modes. Radial clearance in the bearing had by far the largest influence on