us underwriting mortgage

17 hours ago

Delhi, Delhi, India MG Pvt Ltd Full time US$ 90,000 - US$ 1,20,000 per year

About The Opportunity
A leading player in the BPO / Financial Services sector focused on US mortgage underwriting and loan processing. We deliver high-quality underwriting, risk assessment, and loan decisioning services to lenders, mortgage banks, and investors across the United States. This on-site role is based in India and centers on managing a high-performing underwriting team that ensures accuracy, compliance, and throughput.

Role & Responsibilities

  • Lead and manage an on-site team of US mortgage underwriters—assign work, monitor throughput, and ensure SLA/KPI targets are consistently met.
  • Review complex loan files and underwriting decisions for quality and compliance with Fannie Mae, Freddie Mac, FHA, VA, and investor overlays; provide second-level adjudication where required.
  • Coach, mentor, and upskill underwriters through targeted feedback, calibration sessions, and regular performance reviews to reduce rework and exceptions.
  • Own day-to-day operational metrics (turnaround time, quality scores, productivity) and implement process improvements to optimize capacity and reduce cycle time.
  • Act as primary escalation point for underwriting exceptions, credit risk questions, and compliance audits; coordinate with operations, QC, and client stakeholders to resolve issues.
  • Maintain accurate documentation in the LOS (e.g., Encompass/Calyx), contribute to SOP updates, and support internal/external audit and regulatory requests.

Skills & Qualifications
Must-Have

  • 5+ years of hands-on US mortgage underwriting experience (Conventional/FHA/VA/USDA) with strong exposure to AUS (DU/LP).
  • 2+ years in a lead/supervisory role or demonstrated experience mentoring underwriters and driving team KPIs.
  • Practical knowledge of Fannie Mae & Freddie Mac guidelines, investor overlays, AUS findings, and manual underwriting standards.

Preferred

  • Experience working in a BPO or shared-services environment supporting US lenders; familiarity with client SLAs, QC programs, and audit processes.
  • Hands-on experience with LOS systems (Encompass/Calyx), strong MS Excel skills, and exposure to productivity/quality dashboards.
  • Excellent communication skills for stakeholder management and training delivery; strong analytical mindset for root-cause and process improvement.

Benefits & Culture Highlights

  • On-site, collaborative team environment with a focus on career growth and technical training in US mortgage products.
  • Performance-driven culture with clear KPIs, structured coaching, and opportunities to lead process improvement initiatives.
  • Competitive compensation, recognition programs, and exposure to large US lender clients and audit practices.

Location: On-site in India. Title: US Mortgage Underwriting Team Lead. If you are a results-focused underwriting leader with strong US mortgage expertise and a passion for coaching high-performing teams, we want to hear from you.

Skills: mortgage underwriting,bpo,compliance,underwriting

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