Mortgage Operations Analyst
New
Based in IndiaFull-TimeMiddle
Salary not disclosed
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Job Details
- Languages
- English
- Experience
- 2+ years
- Required Skills
- Analytical SkillsMicrosoft Excel
Requirements
- 2+ years of hands-on U.S. mortgage operations experience in processing, underwriting support, closing, or post-close roles.
- Strong understanding of the full residential mortgage lifecycle, not limited to a single function.
- Mandatory hands-on experience with Encompass LOS.
- Solid knowledge of mortgage documentation, disclosures, and loan file review processes.
- Ability to calculate qualifying income across wage-earner, self-employed, and bank statement profiles.
- Strong analytical skills with excellent attention to detail and accuracy.
- Proficiency in Microsoft Excel and Microsoft Office tools.
- Strong written and verbal English communication skills for coordination with U.S.-based teams.
- Ability to manage multiple loan files independently in a fast-paced remote environment.
Responsibilities
- Review residential mortgage loan files across the full lifecycle, including pre-closing, closing, and post-closing stages.
- Validate borrower documentation such as income (W-2, self-employed, bank statements, DSCR), assets, credit, and collateral records.
- Calculate qualifying income, verify reserves, and confirm source-of-funds accuracy across multiple documentation types.
- Review and ensure accuracy and compliance of Initial Disclosures and related mortgage documentation.
- Identify missing documents, discrepancies, and compliance gaps, and coordinate resolution with relevant stakeholders.
- Clear underwriting conditions, including those generated by AI-driven underwriting systems.
- Work within Encompass LOS to review, update, and manage loan files, milestones, and service orders.
- Communicate with internal teams and borrowers (when needed) to obtain required documentation and resolve issues.
- Maintain accurate documentation of findings, actions, and updates across internal systems.
- Support process improvement and quality initiatives across mortgage operations workflows.
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