Quality Manager (Mortgage Underwriting & Seasoned Loan Review)

Quality Manager Mortgage Underwriting & Seasoned Loan Review

Company Profile:

Infinity IPS – Founded in 2003, Infinity IPS is a mortgage industry leader in providing end-to-end services and solutions. We specialize in mortgage due diligence, pre-fund and post-close quality control, mortgage servicing reviews and loan brokering services. We are vetted by all 5 major rating agencies and hold 3rd position in due diligence market share for RMBS securitization. Our clients are financial entities including investment banks, commercial banks, mortgage companies, government agencies and mortgage insurers

Post – Quality Manager - Work from Office

Location – Kothrud Pune

Job Shift –Night Shift (7 PM to 5 AM) - 5 Days a Week

Position Summary

The Quality Manager is responsible for overseeing and enhancing the quality framework for Mortgage Underwriting and Seasoned Loan Review processes. This role ensures adherence to investor/agency guidelines, Non-QM requirements, internal credit policies, and regulatory standards. The Quality Manager will lead quality audits, perform root-cause analysis, drive process improvements, and champion Six Sigma methodologies to reduce defects and enhance operational efficiency.

Key Responsibilities

Quality Assurance & Audit Management

• Lead daily/weekly/monthly quality audits for Mortgage Underwriting and Seasoned Loans Review, ensuring accuracy, compliance, and completeness.
• Develop, maintain, and enhance quality checklists, sampling methodologies, and audit SOPs.
• Ensure compliance with investor, agency, and Non-QM underwriting guidelines.
• Monitor and track quality trends, error patterns, and defect levels across projects.
• Perform second-level reviews and provide expert judgment on complex credit scenarios.

Process Improvement & Six Sigma

• 
  Apply Six Sigma, Lean, and other process-improvement methodologies to streamline underwriting and review workflows.
• Conduct root-cause analysis (RCA) on recurring errors; define corrective/preventive actions (CAPA).
• Drive continuous improvement projects to reduce defect rates and improve turnaround time (TAT).
• Develop and implement quality control KPIs, dashboards, and reporting mechanisms.

Training & Coaching

• Partner with Training/Operations teams to design targeted learning modules based on audit findings.
• Coach underwriters, credit analysts, and reviewers on guideline application and quality expectations.
• Conduct calibration sessions to ensure consistency in credit decisioning across teams.

Governance, Risk & Compliance

• Ensure adherence to federal, state, and investor regulations, including ATR/QM, RESPA, TILA, and Fair Lending guidelines.
• Oversee periodic policy updates and ensure teams are aligned with the latest investor bulletins and regulatory changes.
• Participate in internal/external audits and support client or investor quality reviews.

Reporting & Stakeholder Management

• Prepare detailed quality reports, trend analyses, and executive summaries for leadership.
• Present defect trends, RCA insights, and improvement roadmaps to onshore/offshore leadership teams.
• Collaborate with cross-functional teams (Operations, Compliance, Training, Technology, and Client Teams) to enhance end-to-end quality performance.

Required Qualifications

• Bachelor’s degree in Finance, Business Administration, or related field.
• 10+ years of mortgage underwriting / credit risk experience

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  , including hands-on Non-QM and agency guidelines.
• Strong experience in Quality Control/Quality Assurance for mortgage operations.
• Six Sigma Green Belt or Black Belt certification (preferred).
• Quality certification such as ISO, COPC, or equivalent is an advantage.
• Excellent knowledge of U.S. mortgage guidelines (Agency, Non-QM, DSCR, Bank Statement, FHA/VA preferred).
• Strong analytical skills with ability to identify patterns, trends, and root causes.
• Proficiency in Excel, QC tools, reporting dashboards, and workflow systems.
• Strong communication, presentation, and stakeholder-management skills.

Preferred Skills

• Experience with OCR/AIS tools and automated underwriting systems.
• Prior exposure to seasoned loan review, credit re-underwriting, or post-close QC.
• Experience managing offshore/onshore workflows.
• Ability to work in fast-paced, high-volume environments with tight SLAs.

Competencies

• Detail-oriented and quality-driven mindset.
• Strong decision-making and critical-thinking skills.
• Ability to influence without authority and drive change management.
• High level of integrity, accountability, and ownership.