Senior Associate_Mortgage (USA)

Befree Outsourcing; Gandhinagar; On-site; INR 600,000 - 900,000; Full time

Job summary

Befree Outsourcing in Gujarat, India, seeks a US Mortgage Operations specialist to provide end-to-end processing support for Residential US mortgage loans. You will work with brokers, lenders, and third-party vendors to ensure timely, compliant loan file processing through the mortgage lifecycle.

The role requires 3–5+ years in US mortgage processing, LOS experience (Encompass, Calyx Point, BytePro), and knowledge of TRID/RESPA/TILA. Collaboration with teams and strict accuracy are essential.

Qualifications

• Bachelor's degree in finance, business administration, commerce, or related field.
• Experience: 3–5+ years in US residential mortgage processing.
• Familiarity with NMLS guidelines or MBA-CMB coursework.
• Knowledge of end-to-end mortgage lifecycle and loan products.
• Experience with LOS: Encompass, Calyx Point, BytePro.
• Knowledge of TRID, RESPA, ECOA, and TILA regulations.

Responsibilities

• Review and verify mortgage loan applications and supporting documents.
• Analyze title reports, appraisals, tax transcripts, VOE, and related items.
• Reconcile borrower income, assets, credit histories, and liabilities.
• Clear underwriting conditions and resolve document discrepancies.
• Ensure compliance with TRID, RESPA, TILA, CFPB, QM/ATR rules.
• Coordinate with settlement agents, title companies, and attorneys.
• Assist in post-closing reviews and investor delivery readiness.
• Maintain clear communication with loan officers and processors regarding pipeline status.

Skills

Mortgage processing

US mortgage lifecycle

Loan products knowledge

Regulatory compliance

Discrepancy identification

Education

Bachelor's degree in finance / business / commerce

NMLS guidelines exposure / MBA-CMB coursework

Tools

Encompass

Calyx Point

BytePro

Job description

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; strong numerical accuracy in reconciling borrower financials.

Location

Gujarat, India

Job Type

Full time

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