US UNDERWRITING MORTGAGE (TL)

About The Opportunity

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.