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.

- 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 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; robust numerical accuracy in reconciling borrower financials.

Location

Gujarat, India

Job Type

Full time

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📌 Senior Associate_Mortgage (USA) (Gandhinagar)
🏢 Befree Outsourcing
📍 Gandhinagar