Job Title: Mortgage Underwriting Manager (Agency & Non-QM)
Location: Pune, Maharashtra
Job Type: Full-Time
Experience Level: 10+ Years
About Infinity
Infinity is a leading mortgage due diligence and capital markets services company supporting some of the largest lenders, investors, securitizers, and financial institutions across the United States. We are looking for an experienced Mortgage Underwriting Manager with deep expertise in Agency and Non-QM underwriting who can also work directly with US clients and third-party vendors.
Key Responsibilities
- Perform and oversee underwriting of Agency and Non-QM mortgage loans
- Review complex income, asset, credit, collateral, and compliance scenarios
- Act as a subject matter expert for underwriting guidelines and investor requirements
- Work directly with US-based lenders, investors, due diligence firms, appraisal companies, title companies, and other third-party vendors
- Negotiate pricing, service levels, and operational terms with external vendors
- Support new client onboarding and product development initiatives
- Assist in developing underwriting policies, review procedures, and quality standards
- Provide technical guidance and mentoring to underwriting and operations teams
- Collaborate with internal stakeholders to improve underwriting efficiency and quality
Mandatory Qualifications
- Minimum 10 years of US mortgage underwriting experience
- Hands-on experience underwriting at least 2,000 Agency loans (Fannie Mae/Freddie Mac/Ginnie Mae)
- Hands-on experience underwriting at least 1,500 Non-QM loans
- Strong knowledge of Agency underwriting guidelines, Non-QM guidelines, AUS (DU/LPA), income calculation, self-employed borrower analysis, credit analysis, asset review, appraisal review, and ATR/QM requirements
- Excellent written and verbal English communication skills
- Experience interacting directly with US-based clients, lenders, investors, or vendors
- Strong negotiation and relationship management skills
- Ability to independently handle complex underwriting scenarios and provide guideline interpretations
Preferred Qualifications
- Previous experience in Third Party Review (TPR), Due Diligence, QC, or Capital Markets
- Exposure to securitization or loan acquisition due diligence
- Knowledge of DSCR, Bank Statement, Asset Utilization, Bridge, Fix & Flip, HELOC, or Jumbo products
- Team management or leadership experience
- Experience working with LOS platforms such as Encompass or similar mortgage systems
Required Skills
Agency Underwriting, Non-QM Underwriting, Mortgage Due Diligence, Credit Risk Analysis, Income Analysis, Asset Analysis, Guideline Interpretation, Vendor Management, Client Communication, Negotiation Skills, Leadership, Microsoft Excel
How to Apply
Interested candidates can apply directly through Indeed or share their resume at [email protected]
Benefits:
- Leave encashment
- Paid sick time
Work Location: In person
