Role & 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.

Preferred candidate profile

Qualifications: Bachelors 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: Robust 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.

Key Skills

Required Skills: Full time

Regulations: Familiarity with federal mortgage regulations including TRID, RESPA,

ECOA, and TILA.

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.

Job Location - Gandhinagar

Timing - 05.30PM to 02.30PM/04.30PM to 01.30PM

Interested candidates can drop their CV to [email protected]

Regards,

Monisha T

Senior HR TA

📌 US Mortgage Analyst (Ahmedabad)
🏢 Befree Business
📍 Ahmedabad