Remote Mortgage Loan File Reviewer

Naukri Mitra; United States; Remote; USD 110,000 - 135,000; Full time

Benefits offered by this job

Health benefits

Paid time off

Professional development

Flexible schedule

Job summary

Naukri Mitra is seeking a Remote Mortgage Loan File Reviewer to ensure residential files meet agency and investor guidelines. You will audit income, assets, disclosures, credit, and collateral, flag discrepancies, and collaborate with processors to resolve issues.

This fully remote role requires attention to detail, independent judgment, and the ability to work against daily quotas. Prior LOS experience with Encompass or Calyx Point is a plus.

Qualifications

• Bachelor's degree required.
• At least 3 years in mortgage industry, with file auditing or QC focus.
• Solid grounding in Conventional, FHA, VA, USDA guidelines.

Responsibilities

• Audit loan documentation for income, assets, disclosures, credit, and collateral.
• Confirm compliance with Fannie Mae, Freddie Mac, and investor overlays.
• Identify data gaps and route for resolution.
• Verify closing conditions are met and documented.
• Maintain detailed records for every file reviewed.
• Flag red flags and escalate issues to prevent delays.
• Work in LOS systems and collaborate with processing teams.

Skills

Attention to detail

Remote work

Communication

Audit mortgage files

Education

Bachelor's degree

Tools

Encompass

Calyx Point

Slack

Zoom

Trello

Job description

A loan file has to be right before it moves forward — not close to right, not mostly complete. Someone has to catch the missing disclosure, the mismatched income figure, the appraisal detail that doesn't line up with the rest of the file. That's the job we're filling: Remote Mortgage Loan File Reviewer, fully remote, paying $122,565 a year.

What This Role Actually Covers

• You’ll sit at the point where a loan file either moves forward cleanly or gets kicked back for fixes.
• Working alongside processors, underwriters, and compliance staff, you’ll go through residential mortgage files line by line — income documentation, assets, disclosures, credit reports, collateral — and confirm everything holds up against agency guidelines and investor requirements.
• When something doesn’t add up, you flag it and work with the processor to get it resolved before it becomes a bigger problem downstream.

Day-to-Day Responsibilities

• Audit loan documentation for accuracy across income, assets, disclosures, credit, and collateral
• Confirm compliance with Fannie Mae, Freddie Mac, and applicable investor overlays
• Identify file deficiencies or missing data and route them for resolution
• Verify that closing conditions have been met and properly documented
• Keep detailed, organized records for every file reviewed
• Apply risk-based judgment when spotting red flags in loan structure or borrower profile
• Work through digital file systems fast enough to hit daily quotas and SLA targets

The Tools You’ll Be Working In

Most days involve Loan Origination Systems like Encompass or Calyx Point, along with secure document management platforms and electronic tools for verifying income, assets, and employment. You’ll also use compliance monitoring software regularly and Slack, Zoom, or Trello to stay in sync with the rest of the team.

What You Need to Bring

• Education: Bachelor's degree
• Experience: At least 3 years in the mortgage industry, with a focus on file auditing, underwriting support, or quality control
• Solid grounding in residential mortgage guidelines — Conventional, FHA, VA, and USDA
• A track record of catching inconsistencies in credit, income, or appraisal documentation before they become problems
• Clear, concise communication and documentation habits
• The organizational discipline to manage a high-volume workload without letting quality drop
• Genuine comfort working independently in a remote setting

What Sets a Strong Candidate Apart

• Direct experience working inside a modern LOS platform day‑to‑day
• A history of suggesting process or documentation improvements, not just following the checklist
• Comfort prioritizing under tight deadlines without sacrificing accuracy
• Some background collaborating across underwriting, processing, and compliance functions

How the Work Gets Done

This role is remote, but it's not unstructured. You'll follow defined checklists, work against real deadlines, and stay in regular contact with processing and underwriting teams — autonomy doesn't mean isolation here. Team leads check in on a regular cadence to keep everyone aligned, though the goal is support, not oversight of every keystroke. Naukri Mitra candidates should know this role rewards independent judgment as much as it rewards following procedure — both matter, and the balance between them is part of what makes the job interesting rather than purely mechanical.

What Good Performance Looks Like

• Files reviewed at roughly 99% accuracy and completeness
• Discrepancies caught early enough to cut down on underwriter revision requests
• Turnaround times that consistently land within SLA targets
• Working relationships across teams that keep communication fast and clear
• A pattern of flagging workflow or documentation improvements, not just processing files

Compensation and What Comes With It

• $122,565 per year, fully remote
• Flexible scheduling around a structured but self‑managed workload
• Support for professional development, including relevant industry certifications
• Paid time off, holidays, and health benefits
• A defined path toward senior quality control or underwriting leadership roles

Why This Work Actually Matters

In mortgage lending, accuracy isn't a nice-to-have — it's the whole job. You're the last checkpoint before a file moves forward, which means your review either prevents a costly error or lets one slip through. Get it right consistently, and borrowers move through the process without unnecessary delays, and the teams around you can trust the files you've cleared without having to double-check your work.

Where This Can Lead

People who do well in this role tend to move toward positions like Quality Control Analyst, Mortgage Underwriter, Compliance Officer, or Loan Operations Manager. The path isn't automatic, but it's real — the team puts weight behind mentorship and structured learning rather than leaving growth entirely up to chance.