US Mortgage

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

Job summary

Befree is seeking a skilled US Mortgage Operations professional in Gandhinagar to provide end-to-end processing support for residential mortgage loans. You will work with brokers, lenders, and vendors to ensure timely, accurate loan files through the entire lifecycle.

The role requires 3–5+ years in US mortgage processing, knowledge of TRID/RESPA/TILA, and experience with LOS systems (Encompass, Calyx Point, BytePro). You will collaborate with stakeholders to maintain compliance and efficiency.

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.
• 3 to 5+ years of hands-on US Residential Mortgage Processing / Support.
• Experience in GCC, BPO, or shared services handling US mortgage operations.
• Strong understanding of end-to-end US mortgage Government loan products (FHA/VA/USDA).
• Hands-on experience with LOS such as Encompass, Calyx Point, or BytePro.

Responsibilities

• Review and verify mortgage loan applications (1003 / URLA) and supporting documentation).
• Analyze Title Reports, Appraisals, Flood Certifications, Tax Transcripts (4506-C), VOE, and Verification of Mortgage or Rent.
• Reconcile borrower income, assets, credit histories, and liabilities according to requirements.
• Clear underwriting conditions and resolve 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.

Skills

TRID knowledge

RESPA knowledge

TILA knowledge

Discrepancy checking

Numerical accuracy

Education

Bachelors in Finance

Tools

Encompass LOS

Calyx Point

BytePro

Job description

Befree is a globally trusted provider of accounting and finance offshoring solutions. We blend industry expertise with technology and automation to deliver customised, scalable support for businesses worldwide.

Headquartered in Gandhinagar, with clients across Australia, the UK, the US, we help practices and businesses enhance efficiency, productivity, and continuity through skilled and certified professionals delivering world-class services. Our delivery centres across 10 cities in India serve as the backbone of our global service delivery network.

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 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
• 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 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

• Regulations: Familiarity with federal mortgage regulations including TRID, RESPA, ECOA, and TILA.
• Skills: Ability to independently identify discrepancies across income, asset, and communication with US-based stakeholders; strong numerical accuracy in