Senior Mortgage Closer / Closing SME Lead

Infinixq India BPM Pvt. Ltd.; Mumbai; Remote; INR 7,752,000 - 11,628,000; Full time

Job summary

Infinixq India BPM Pvt. Ltd. is seeking an experienced U.S. Mortgage professional to join our team as Senior Mortgage Closer / Closing SME Lead.

This role oversees the Closing and Funding lifecycle, manages complex loan files, resolves issues, mentors staff, and drives operational excellence from a remote US night-shift setting.

Qualifications

• 8–10 years of progressive U.S. Mortgage Operations experience with hands-on Closing and Funding
• 2–3 years of hands-on Encompass experience, including loan data, milestones, workflows, and documents
• Strong knowledge of the complete mortgage closing lifecycle (CTC, disclosures, CD requirements, fees, balancing)
• Recent Closing/Funding experience within the last 12–24 months
• Experience closing and funding Conventional, FHA, VA, USDA, Bond, Jumbo, Construction, and Non-QM loans
• Strong knowledge of title, vesting, insurance, escrow/impounds, payoffs, prorations, seller concessions, and recording requirements
• Experience working with U.S. leadership and stakeholders
• Excellent communication, problem-solving, and mentoring skills

Responsibilities

• Manage complex mortgage files from Clear to Close through Funding, ensuring all closing conditions, fees, documents, and funding requirements are accurate and complete
• Analyze and resolve closing and funding issues, including Mavent/compliance findings, document discrepancies, and balancing issues
• Review and resolve Mavent fails to ensure compliant loans are closed
• Ensure Closing Disclosures (CDs) are balanced accurately and on time
• Help eliminate cures by ensuring regulatory requirements are met
• Maintain and support Closing & Funding SOPs, procedures, and quality controls
• Monitor and manage SLAs, identify root causes of missed targets, and support corrective action and improvement plans
• Support the creation of job aids, decision guides, checklists, and training materials
• Provide guidance on state-specific closing requirements, investor guideline updates, and common defect resolution
• Partner with Underwriting, Processing, Disclosures, Post Closing, Title, Secondary, and management to resolve cross-functional issues
• Support operational initiatives and continuous process improvement
• Work across both Retail and Wholesale mortgage channels

Skills

Communication

Problem-solving

Mentoring

Tools

Encompass

Mavent

Job description

Infinixq India BPM Pvt. Ltd. is looking for an experienced U.S. Mortgage professional to join our team as a Senior Mortgage Closer / Closing SME Lead.

This role requires deep technical expertise and hands-on experience across the Closing and Funding lifecycle, with a strong focus on managing complex loan files, resolving issues, supporting the team, and driving operational excellence.

Key Responsibilities

• Manage complex mortgage files from Clear to Close through Funding, ensuring all closing conditions, fees, documents, and funding requirements are accurate and complete
• Analyze and resolve closing and funding issues, including Mavent/compliance findings, document discrepancies, and balancing issues
• Review and resolve Mavent fails to ensure compliant loans are closed
• Ensure Closing Disclosures (CDs) are balanced accurately and on time
• Help eliminate cures by ensuring regulatory requirements are met
• Maintain and support Closing & Funding SOPs, procedures, and quality controls
• Monitor and manage SLAs, identify root causes of missed targets, and support corrective action and improvement plans
• Support the creation of job aids, decision guides, checklists, and training materials
• Provide guidance on state-specific closing requirements, investor guideline updates, and common defect resolution
• Partner with Underwriting, Processing, Disclosures, Post Closing, Title, Secondary, and management to resolve cross-functional issues
• Support operational initiatives and continuous process improvement
• Work across both Retail and Wholesale mortgage channels

Experience & Technical Requirements

• 8–10 years of progressive U.S. Mortgage Operations experience, with significant hands-on Closing and Funding experience
• At least 2–3 years of hands-on Encompass experience, including loan data, milestones, workflows, and documents
• Strong knowledge of the complete mortgage closing lifecycle, including CTC, disclosures, CD requirements, fee calculations, tolerances, document preparation, balancing, signing, and funding
• Recent hands-on Closing/Funding experience within the last 12–24 months
• Experience personally handling complex loan files
• Strong knowledge of Fannie Mae, Freddie Mac, FHA, VA, USDA, and Non-QM requirements
• Experience closing and funding Conventional, FHA, VA, USDA, Bond, Jumbo, Construction, and Non-QM loans
• Strong technical knowledge of title, vesting, insurance, escrow/impounds, payoffs, prorations, seller concessions, security instruments, and recording requirements
• Experience working with U.S. leadership and stakeholders
• Strong communication, problem-solving, and mentoring skills
• Candidates should be comfortable completing a practical Closing/Funding scenario assessment
• Work Mode: Remote
• Shift: U.S. Night Shift
• CTC: As per industry standards