US Mortgage Analyst

Befree Business; Gandhinagar, Ahmedabad District; On-site; INR 400,000 - 700,000; Full time

Job summary

Befree Business in Gandhinagar invites applications for an end-to-end residential US mortgage loan processor. You will work with brokers, lenders, and vendors to ensure timely, accurate loan file processing through all stages of the mortgage lifecycle.

The role requires reviewing applications and documents, verifying income and assets, and ensuring compliance with TRID, RESPA, TILA, CFPB, and QM/ATR rules, with close coordination to resolve issues and support post-closing activities.

Qualifications

• Experience in end-to-end residential mortgage loan processing.
• Knowledge of TRID, RESPA, TILA and CFPB rules.
• Ability to verify financial documents such as W-2s and tax returns.

Responsibilities

• Review and verify mortgage loan applications and supporting documents.
• Analyze title reports, appraisals, tax transcripts, and VOEs.
• Reconcile income, assets, credit histories and liabilities per guidelines.
• Clear underwriting conditions and resolve discrepancies or red flags.
• Ensure compliance with TRID, RESPA, TILA, CFPB, QM/ATR rules.
• Coordinate with settlement agents and attorneys for closing documents.
• Assist in post-closing reviews and investor delivery readiness.
• Maintain clear communication regarding pipeline status and bottlenecks.

Skills

Mortgage processing

Regulatory compliance

Document verification

Vendor coordination

Attention to detail

Job description

Role

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.

Job Location - Gandhinagar

Timing - 05.30PM to 02.30PM

Regards,

Monisha T

Senior HR TA