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Assistant Manager US Residential Mortgage – Income Review

Job Summary:
Responsible for managing the income review function for U.S. residential mortgage loans, ensuring accurate income calculations, guideline compliance, quality, and timely processing.

Key Responsibilities:

- Lead and manage a team of Income Review Analysts.
- Review and validate income documents including paystubs, W-2s, tax returns, 1099s, bank statements, and VOE/VOI.
- Calculate qualifying income for salaried, hourly, self-employed, commission, bonus/OT, rental, retirement, and other income types.
- Handle complex income scenarios and resolve escalations with Underwriting and Processing teams.
- Ensure calculations comply with applicable lender/investor and Fannie Mae/Freddie Mac guidelines.
- Monitor team productivity, TAT, SLA, and quality metrics.




- Conduct quality checks, identify errors, and drive corrective actions.
- Provide coaching, training, and guideline updates to team members.
- Support audits, client queries, process improvements, and MIS reporting.

Requirements:

- 3–5 years of experience in US Residential Mortgage, with strong Income Review/LOS experience.
- 1–3 years of team-lead or people-management experience.
- Good knowledge of U.S. mortgage income calculations and documentation.
- Hands-on experience with mortgage LOS platforms- Encompass experience preferred.
- Solid analytical, communication, leadership, and problem-solving skills.

Qualification:

- Graduate or Equivalent

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