1 месяц назад
Manager – Residential Mortgage Underwriting (AI)
Вакансия из Hirify Global, списка международных tech-компанийДля мэтча и отклика нужен Plus
Мэтч & Сопровод
Для мэтча с этой вакансией нужен Plus
Описание вакансии
Текст:
TL;DR
Manager – Residential Mortgage Underwriting (AI): Leading residential mortgage underwriting teams and translating underwriting expertise into scalable AI-powered decisioning solutions with an accent on GSE guidelines, risk assessment, quality governance, and workflow design. Focus on validating AI-generated recommendations, resolving complex underwriting exceptions, and converting expert decisions into rules, decision trees, and actionable feedback for Product, Data Science, and Engineering teams.
Location: Bengaluru, Karnataka, India
Company
Developing AI-powered mortgage underwriting solutions by combining underwriting expertise with product and engineering capabilities.
What you will do
- Lead, mentor, and manage a team of residential mortgage underwriting consultants.
- Oversee purchase, rate-term refinance, and cash-out refinance underwriting while maintaining quality, consistency, and compliance.
- Review complex, high-risk, and exception files in line with Fannie Mae DU, Freddie Mac LP, investor, and lending guidelines.
- Translate mortgage policies into decision points, business rules, workflows, decision trees, and test cases.
- Validate AI-generated underwriting recommendations against expert manual decisions and analyze discrepancies.
- Partner with Product, Data Science, Engineering, AI/ML, and Operations teams on requirements, acceptance criteria, model improvements, and automation.
Requirements
- 12–15 years of experience in residential mortgage underwriting, including 3+ years in a team-lead, managerial, or underwriting SME capacity.
- Strong experience managing or mentoring mortgage underwriters and handling complex underwriting scenarios and escalations.
- Deep working knowledge of Fannie Mae DU and/or Freddie Mac LP guidelines and GSE compliance.
- Expertise in credit assessment, income and asset analysis, employment verification, property and collateral assessment, DTI/LTV/CLTV, AUS findings, manual underwriting, overrides, compensating factors, and exceptions.
- Strong analytical, problem-solving, written, and verbal communication skills.
- Ability to convert complex underwriting decisions into structured rules and workflows and collaborate with technical and non-technical stakeholders.
Nice to have
- Experience with mortgage technology, automation, decision engines, or AI/ML initiatives.
Culture & Benefits
- Culture of accountability, knowledge sharing, and continuous improvement.
- Opportunities to lead training, coaching, and underwriting upskilling initiatives.
- Cross-functional collaboration with Product, Engineering, AI/ML, Data Science, and Operations teams.
- Focus on reducing manual effort through automation while maintaining underwriting quality and risk controls.
Будьте осторожны: если работодатель просит войти в их систему, используя iCloud/Google, прислать код/пароль, запустить код/ПО, не делайте этого - это мошенники. Обязательно жмите "Пожаловаться" или пишите в поддержку. Подробнее в гайде →