Job Summary

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 file 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.
- Explicit 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 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).
- Guide

📌 Senior Associate_Mortgage (Gandhinagar)
🏢 Befree Outsourcing
📍 Gandhinagar