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

befree has been delivering better efficiencies, automation and higher profitability globally to accountants, enterprise finance teams, Financial planners and mortgage brokers for more than 17+ years. We become a seamless extension of your existing team and take care of your time consuming administrative tasks so you can focus on higher value activities.

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.
- Clear 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: Solid 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