Quality Testing - US Mortgage

Role Overview

The Quality Testing Analyst plays an important role in ensuring mortgage servicing activities are compliant, accurate, and customer-focused. This position performs independent quality reviews and loan-level testing to identify control gaps, servicing defects, compliance risks, and opportunities for improvement. The role works closely with Operations, Compliance, Risk, Audit, and Vendor Management teams to help strengthen controls and improve overall servicing quality.

Key Responsibilities

Quality Testing & Loan Reviews

- Conduct loan-level quality reviews across mortgage servicing functions, including Loss Mitigation, Foreclosure, Bankruptcy, Escrow, Claims, Mortgage Insurance, Customer Service, and other servicing areas.
- Assess compliance with regulatory requirements, investor guidelines, internal policies, and servicing procedures.
- Identify exceptions, documentation gaps, process weaknesses, and potential compliance concerns.

Compliance & Risk Assessment

- Evaluate servicing activities against FHA, Fannie Mae, Freddie Mac, VA, USDA, OCC, and applicable federal and state requirements.
- Identify operational, compliance, customer, and reputational risks through testing activities.
- Escalate significant findings and support issue remediation efforts.

- Document testing results, findings, and supporting evidence accurately and consistently.
- Analyze results to identify recurring trends, defects, and improvement opportunities.




- Support management reporting, dashboards, and quality metrics.

- Review servicing activities performed by third-party vendors to ensure compliance with quality standards and service expectations.
- Participate in calibration sessions to promote consistency and accuracy in testing.
- Maintain testing documentation and ensure readiness for audits and reviews.

Skills & Competencies

- Strong understanding of U.S. mortgage servicing operations and servicing processes.
- Knowledge of investor, insurer, and regulatory requirements, including FHA, FNMA, FHLMC, VA, and USDA guidelines.
- Strong analytical and problem-solving skills with attention to detail.
- Ability to review loan documentation, identify control gaps, and assess risk.
- Effective written and verbal communication skills.
- Proficiency in Microsoft Excel, Word, PowerPoint, SharePoint, and quality testing or servicing platforms.

Qualifications & Experience

- Bachelor's degree in Business, Finance, Accounting, Banking, Risk Management, or a related field.
- Qualified certifications in Mortgage Banking, Quality Assurance, Compliance, or Risk Management are preferred.
- 4–6 years of experience in U.S. Mortgage Servicing.
- 2–4 years of experience in Quality Testing, Quality Assurance, Compliance Testing, Operational Risk, Controls, or Internal Audit.
- Hands-on experience performing loan-level reviews and quality testing within a mortgage servicing environment.

📌 Associate (Bengaluru)
🏢 Moder
📍 Bengaluru