Manager - Underwriting

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)