MANIK MAZUMDER
Habra
Summary
Highly skilled and detail-oriented Team Lead Mortgage Underwriter with over 8 years of experience in residential mortgage underwriting. Proven ability to lead cross-functional underwriting teams, manage pipeline efficiency, and ensure compliance with investor and regulatory guidelines. Adept at making sound credit decisions, mentoring junior underwriters, and improving operational workflows. Seeking to leverage expertise to drive quality, risk management, and team success in a dynamic lending environment.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Team Lead
Tata Consultancy Services
Kolkata
08.2024 - Current
- Led a team of mortgage underwriters to achieve and maintain high accuracy in credit assessments for residential loan applications.
- Managed daily underwriting operations to ensure timely processing and closure of loan files, improving pipeline efficiency by 20%.
- Implemented a quality control program that decreased underwriting errors by 10%, enhancing overall team accuracy and compliance.
- Ensured compliance with investor guidelines and regulatory requirements, reducing audit findings by 15%.
- Analyses and reported key underwriting metrics to senior management to drive continuous improvement initiatives and risk mitigation strategies.
Senior Mortgage Underwriter
Tata Consultancy Services
Kolkata
11.2016 - 07.2024
- Underwrote high-volume mortgage applications, ensuring compliance and risk assessment through DU/LP systems.
- Evaluated credit reports, income documentation, tax returns, and appraisal reports for regulatory compliance and underwriting standards.
- Maintained productivity and quality metrics, achieving less than 2% error rate on audits.
Education
Bachelor of Commerce (B.Com) -
Sree Chaitanya Mahavidyalaya
Habra05.2016
Accounting and Finance -
Habra Model high School
Habra01.2013
Skills
- Leadership and team management
- Mortgage underwriting expertise
- Credit analysis and income assessment
- Risk assessment and fraud detection
- Regulatory compliance knowledge
- Loan pipeline oversight
- Training and development facilitation
- Stakeholder communication and coordination
Certification
- Lean Six Sigma Green Belt Certification [TCS Internal], TCS BPO, 09/01/22, Trained in applying Lean Six Sigma methodologies to enhance efficiency and reduce errors in loan processing.
- BFSI BPS Functional Consultant Mortgages Underwriting Curriculum, 02/01/24, Completed BFSI BPS Functional Consultant Mortgages Underwriting Curriculum with comprehensive training on mortgage credit evaluation and risk assessment.
Accomplishments
- Played a key role in successfully transitioning 40% of manual underwriting to automated processes.
- Achieved 98% accuracy in audit reviews over 12-month period.
Hobbies and Interests
- Reading
- Cooking
Languages
- English
- Bengali
- Hindi
Timeline
Team Lead
Tata Consultancy Services
08.2024 - Current
Senior Mortgage Underwriter
Tata Consultancy Services
11.2016 - 07.2024
Bachelor of Commerce (B.Com) -
Sree Chaitanya Mahavidyalaya
Accounting and Finance -
Habra Model high School