Manager - Underwriting

Hello there! Infrrd here.

Haven’t heard of us before? No problem.First off, it’s pronounced In-fur-d.

We are a leading Enterprise AI and Intelligent Document Processing (IDP) company that helps global organizations automate complex, document-heavy workflows using AI and machine learning. Our solutions power mission-critical operations across mortgage, insurance, construction, and manufacturing—unlocking data trapped in documents to drive accuracy, efficiency, and compliance at scale.

And now, we are on the lookout for Manager - Underwriting , who can m anage day-to-day operations of a team of underwriters/QC analysts, to perform comprehensive QC reviews on closed residential mortgage loans across multiple loan types while ensuring strict compliance with agency, investor, and regulatory guidelines.

Key Responsibilities

Team & People Management

Manage day-to-day operations of a team of underwriters/QC analysts

Hire, onboard, and train new underwriters; build and maintain training curriculum

Conduct coaching, performance reviews, and calibration sessions to ensure consistent underwriting/QC decisions across the team

Manage rosters, shift planning, and capacity against pipeline volume

Underwriting & QC Oversight

Review and approve/escalate complex or exception-based loan files across VA, FHA, and Conventional products

Personally audit and validate post-closing QC reviews — including income, assets, credit, collateral, compliance, and closing documentation — to confirm findings are accurate and properly root-caused

Serve as the final point of escalation for underwriting/QC deficiency findings and disputes

Ensure full-file QC reviews (pre- and post-closing) comply with agency, investor, and federal/state regulatory guidelines

Own team-level SLAs: quality accuracy rate, turnaround time (TAT), rework/error rate, and QC defect rate

Support and drive Corrective Action / Preventive Action (CAPA) initiatives arising from QC findings

Identify recurring underwriting/QC defect patterns and drive process improvement initiatives

Compliance & Governance

Maintain 100% adherence to internal QC policies, controls, and governance standards

Track regulatory and guideline updates (VA circulars, HUD mortgagee letters, GSE/Fannie-Freddie updates, TRID, ATR/QM) and cascade changes to the team

Support internal, investor, and regulatory (HUD/VA) audits by providing documentation and guideline justification

Report team metrics (productivity, quality, TAT, QC defect trends) to senior leadership

Must-Have Qualifications

Bachelor's degree (Finance, Business, or related field

Minimum 6–8 years in US Residential Mortgage Underwriting and/or Post-Closing QC, with at least 2–3 years in a supervisory/team lead capacity

Hands-on underwriting and post-closing QC review experience across VA, FHA, and Conventional loan types

Strong working knowledge of:

VA Lender's Handbook (Pamphlet 26-7)

HUD Handbook 4000.1

Fannie Mae Selling Guide / Freddie Mac Seller Servicer Guide

Full loan file review — Income, Assets, Credit, Appraisal, Compliance, Closing documentation

Experience conducting root-cause analysis on QC deficiencies and documenting findings

DE (Direct Endorsement) Certification for FHA loans (HUD-approved), or equivalent

VA SAR or equivalent VA underwriting authority/certification

Experience with LOS/QC platforms: Encompass, ACES, DocMagic, Calyx, or similar

Strong people management skills — hiring, coaching, performance management, conflict resolution

Excellent written/verbal communication for escalations and cross-functional coordination

Ability to operate under defined Quality and Quantity SLAs

Good-to-Have Skills

Working knowledge of USDA, Jumbo, and Non-QM loan programs

Familiarity with TRID, ATR/QM, ECOA, Fair Lending, and RESPA regulatory frameworks

CMB (Certified Mortgage Banker) or similar industry certification

Experience managing offshore/hybrid/distributed underwriting or QC teams

Six Sigma/Lean or process-improvement background

Experience building training/certification programs from scratch

Data-driven mindset — comfortable with dashboards/Excel/Power BI for pipeline and QC defect reporting

Prior experience being audited by HUD/VA or handling investor QC reviews directly

Exposure to AI/IDP-based mortgage automation platforms (a plus given Infrrd's product context)

Looking forward to speaking with you!

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