Team lead - Underwriter - Chennai

Domain Expertise

• Solid working knowledge of All 4C's: Income, Credit, Collateral, and Capital

• Proficiency in calculating all income types: Salaried, Self-Employed (1084/1120S/K-1), and Other Income

• Hands-on experience underwriting Purchase, Refinance, and Construction loans

• Strong working knowledge of Agency Guidelines (Fannie Mae DU / Freddie Mac LPA)

• Ability to evaluate full loan files and render Approve / Suspend / Counter-offer decisions

• Reviewing appraisals for valuation accuracy, comparables, and property conditions

• Identifying red flags across credit reports, title, title insurance, and closing documents

• Working knowledge of overlays, exception management, and investor-specific guidelines

Roles & Responsibilities

• Act as the primary quality checkpoint for the team before files are delivered

• Perform pre-delivery QC on a defined sample of loans; track error trends by underwriter

• Stay current on FNMA/FHLMC guideline updates; cascade changes to the team through structured briefings

• Maintain a positive and energized team environment; address interpersonal issues promptly

• Set clear daily/weekly output expectations aligned to SLA targets set by the AM

• Ensure all client-facing deliverables are accurate, complete, and on-time

Minimum 2 years of experience as Team lead in US Mortgage Post close or live Underwriting.