Senior Associate_Mortgage (USA)

Befree; India; On-site; INR 700,000 - 1,100,000; Full time

Job summary

Befree is seeking a US Mortgage Operations specialist in Gandhinagar, India, to provide end-to-end processing support for Residential US mortgage loans. You will work with brokers, lenders, and vendors to ensure timely, compliant loan file processing through all lifecycle stages.

The role requires 3–5+ years of hands-on US mortgage processing experience, familiarity with LOS such as Encompass, Calyx Point, or BytePro, and solid knowledge of TRID/RESPA/TILA regulations.

Qualifications

• Bachelor's degree in finance, business, commerce or related field.
• 3 to 5+ years of hands-on US Residential Mortgage Processing / Support experience.
• Experience in GCC/BPO/shared services handling US mortgage operations.
• Strong understanding of end-to-end US mortgage lifecycle (Origination, Processing, Underwriting, Closing, Post-Closing).
• Familiarity with conventional (Fannie Mae / Freddie Mac) and government (FHA / VA / USDA) loan products.

Responsibilities

• Review and verify mortgage loan applications (1003 / URLA) and supporting documents (W-2s, tax returns, pay stubs, bank statements, asset documentation).
• Analyze Title Reports, Appraisals, Flood Certifications, Tax Transcripts, VOE, and Verification of Mortgage or Rent.
• Reconcile income, assets, credit histories, and liabilities per Fannie Mae, Freddie Mac, FHA/VA/USDA guidelines.
• Clear underwriting conditions and resolve document discrepancies or red flags.
• Ensure compliance with TRID, RESPA, TILA, CFPB, QM/ATR rules.
• Coordinate with settlement agents, title companies, and attorneys for closing documents.
• Assist in post-closing reviews and investor delivery readiness.
• Maintain clear communication with loan officers, processors, and management on pipeline status.

Skills

Discrepancy identification

Clear communication

Numerical accuracy

Education

Bachelor's degree in finance or related field

MBA-CMB or mortgage banking certification

Tools

Encompass LOS

Calyx Point

BytePro

Job description

Gandhinagar, India | Posted on 07/28/2026

Founded in 2006, Befree is a global accounting and finance outsourcing partner powering more than 3000 accounting firms, financial advisers, mortgage brokers, and business owners across the UK, US, Australia, and the UAE. Over more than 20 years, Befree has grown to 1,500+ professionals, anchored by 9 delivery centres in India and supported by teams in the UK, US, and Australia.

Befree's services span bookkeeping, accounting, payroll, tax preparation, audit support, paraplanning, mortgage processing, and virtual administrative support, delivered by dedicated teams that work as an extension of each client's business. Backed by ISO 27001 information security certification, ACCA Approved Employer (Gold) status, and Xero Platinum Partner accreditation, Befree combines process rigour with automation technology to help clients free up time, reduce operating costs, and focus on growing their own business.

Job Description

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 fi le 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's 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