Job Information

Job Opening ID

JNK1458

Department Name

USA Mortgage

Date Opened

07/28/2026

Job Type

Full time

Functional Role

Financial Advisor

Industry

Financial Services

City

Gandhinagar

State/Province

Gujarat

Country

India

Zip/Postal Code

382355

About Us

Founded in 2006, Befree is a global accounting and finance outsourcing partner powering more than 3000 accounting firms, financial advisers, mortgage brokers, and business owners across the UK, US, Australia, and the UAE. Over more than 20 years, Befree has grown to 1,500+ professionals, anchored by 9 delivery centres in India and supported by teams in the UK, US, and Australia.

Befree's services span bookkeeping, accounting, payroll, tax preparation, audit support, paraplanning, mortgage processing, and virtual administrative support, delivered by dedicated teams that work as an extension of each client's business. Backed by ISO 27001 information security certification, ACCA Approved Employer (Gold) status, and Xero Platinum Partner accreditation, Befree combines process rigour with automation technology to help clients free up time, reduce operating costs, and focus on growing their own business.

Job Description

Role: US Mortgage Operations

In this role, you will be responsible for end-to-end processing support for Residential US mortgage loans. You will work closely with brokers, lenders, and third-party vendors to ensure timely, compliant, and accurate loan fi le processing through all stages of the mortgage lifecycle.

Responsibilities

- Review and verify mortgage loan applications (1003 / URLA) and supporting financial documents (W-2s, tax returns, pay stubs, bank statements, asset documentation).
- Analyze Title Reports, Appraisals, Flood Certifications, Tax Transcripts (4506-C), VOE (Verification of Employment), and Verification of Mortgage or Verification of Rent.
- Reconcile borrower income, assets,



credit histories, and liabilities according to Fannie Mae, Freddie Mac, FHA, VA, and USDA guidelines.
- Transparent underwriting conditions and assist in resolving complex document discrepancies or red flags.
- Ensure strict adherence to US mortgage regulatory compliance standards (TRID, RESPA, TILA, CFPB, QM/ATR rules).
- Coordinate with settlement agents, title companies, and attorneys to gather closing documents.
- Assist in post-closing reviews, trailing document management, and investor delivery readiness.
- Maintain clear and direct communication with loan officers, processors, and management regarding pipeline status and bottleneck resolution

Qualifications and Experience

- Qualifications: Bachelor’s degree in finance, Business Administration, Commerce, or a related field.
- Exposure to NMLS guidelines, or coursework toward MBA-CMB or similar mortgage banking certification.
- Experience: 3 to 5+ years of hands-on experience in US Residential Mortgage Processing / Support. Prior experience working in a Global Capability Centre (GCC), BPO, or shared services environment handling US mortgage operations.
- Domain Knowledge: Strong understanding of the end-to-end US mortgage lifecycle (Origination, Processing, Underwriting Support, Closing, Post-Closing).
- Guidelines: Solid knowledge of Conventional (Fannie Mae / Freddie Mac) and Government (FHA / VA / USDA) loan products.
- Systems Experience: Hands-on experience with modern Loan Origination Systems (LOS) such as Encompass, Calyx Point, or BytePro.
- Regulations: Familiarity with federal mortgage regulations including TRID, RESPA, ECOA, and TILA.

Required Skills

- Skills: Ability to independently identify discrepancies across income, asset, and credit documentation under production deadlines; clear written and verbal communication with US-based stakeholders; strong numerical accuracy in reconciling borrower financials

📌 Senior Associate_Mortgage (USA) (Gandhinagar)
🏢 Befree Business Resourcing
📍 Gandhinagar