Team Lead Underwriter - US Mortgage

Indecomm; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Indecomm seeks a seasoned Team Leader in underwriting to supervise daily production workflows and manage work queues, ensuring tasks meet SLAs. The role demands deep knowledge of U.S. mortgage underwriting, including conventional loan underwriting, with exposure to FHA/VA guidelines.

You will train, mentor, and drive process improvements while handling escalations and stakeholder communication. The ideal candidate has 2+ years as a Team Leader in underwriting, strong client handling skills, and

Qualifications

• Graduate in any discipline.
• Minimum 34 years of experience in team handling/management.
• At least 2 years of experience as a Team Leader in underwriting (mandatory).
• Strong knowledge of U.S. mortgage underwriting processes and guidelines.
• Hands-on experience in conventional loan underwriting (mandatory).
• Knowledge of FHA and VA loan underwriting (preferred).
• Thorough understanding of U.S. federal and state compliance regulations.
• Experience in client handling and stakeholder communication.
• Expertise in income calculation, asset evaluation, credit review, and appraisal analysis.
• Proficiency in MS Office Suite, LOS, LMS, and Selling Guide tools.
• Understanding of ISO-level reporting and documentation standards.
• Strong analytical and decision-making skills.
• Excellent verbal and written communication skills.
• Strong presentation and reporting skills.
• High attention to detail with problem-solving capabilities.
• Ability to handle escalations and manage pressure situations.
• Willingness to work in shifts.

Responsibilities

• Supervise day-to-day production workflows and manage work queues efficiently
• Monitor workflow to ensure tasks are completed within defined timelines and SLAs
• Adjust workload distribution based on volume and traffic patterns
• Maintain and publish required operational and performance reports
• Conduct regular (weekly) quality audits and provide actionable feedback to team members
• Escalate performance or quality concerns to management in a timely manner
• Provide ongoing guidance, training, and floor support to team members and new hires
• Facilitate onboarding and certification of new joiners
• Conduct refresher training sessions as needed to enhance team performance
• Develop and implement performance improvement and disciplinary plans
• Ensure adherence to industry standards, compliance guidelines, and regulatory requirements
• Track and ensure achievement of daily targets and overall team SLAs
• Manage client interactions and support stakeholder communication
• Identify process improvement opportunities and drive operational efficiency
• Handle escalations and resolve issues effectively
• Perform additional responsibilities as assigned by management

Skills

Team leadership

Underwriting knowledge

Client handling

Communication skills

Analytical skills

Education

Graduate degree

Tools

MS Office

LOS

LMS

Selling Guide tools

Job description

Role & responsibilities

• Supervise day-to-day production workflows and manage work queues efficiently
• Monitor workflow to ensure tasks are completed within defined timelines and SLAs
• Adjust workload distribution based on volume and traffic patterns
• Maintain and publish required operational and performance reports
• Conduct regular (weekly) quality audits and provide actionable feedback to team members
• Escalate performance or quality concerns to management in a timely manner
• Provide ongoing guidance, training, and floor support to team members and new hires
• Facilitate onboarding and certification of new joiners
• Conduct refresher training sessions as needed to enhance team performance
• Develop and implement performance improvement and disciplinary plans
• Ensure adherence to industry standards, compliance guidelines, and regulatory requirements
• Track and ensure achievement of daily targets and overall team SLAs
• Manage client interactions and support stakeholder communication
• Identify process improvement opportunities and drive operational efficiency
• Handle escalations and resolve issues effectively
• Perform additional responsibilities as assigned by management

Preferred candidate profile

• Graduate in any discipline
• Minimum 34 years of experience in team handling/management
• At least 2 years of experience as a Team Leader in underwriting (mandatory)
• Strong knowledge of U.S. mortgage underwriting processes and guidelines
• Hands-on experience in conventional loan underwriting (mandatory)
• Knowledge of FHA and VA loan underwriting (preferred)
• Thorough understanding of U.S. federal and state compliance regulations
• Experience in client handling and stakeholder communication
• Expertise in income calculation, asset evaluation, credit review, and appraisal analysis
• Ability to identify red flags and assess underwriting risks
• Familiarity with fraud detection in closing and compliance documentation
• Strong knowledge of mortgage terminology and underwriting standards
• Proficiency in MS Office Suite, LOS, LMS, and Selling Guide tools
• Understanding of ISO-level reporting and documentation standards
• Strong analytical and decision-making skills
• Excellent verbal and written communication skills
• Strong presentation and reporting skills
• High attention to detail with problem-solving capabilities
• Ability to handle escalations and manage pressure situations
• Capability to document and define process requirements
• Willingness to work in shifts