Mortgage Operations Analyst
New
S
Saaf AIMortgage Lending
India (Remote), ESTFull-TimeMiddle
SalaryCompetitive compensation
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Job Details
- Languages
- English
- Experience
- 2+ years
- Required Skills
- Microsoft ExcelMicrosoft Office
Requirements
- 2+ years of hands-on U.S. mortgage operations experience across processing, underwriting support, loan review, closing, or post-close functions.
- Working knowledge of the full U.S. residential mortgage loan process.
- Hands-on experience with Encompass LOS (required).
- Familiarity with mortgage documentation, disclosures, and loan file review.
- Ability to calculate income across different employment types and validate assets and reserves.
- Strong attention to detail, analytical skills, and problem-solving mindset.
- Excellent written and verbal English communication skills.
- Proficiency in Microsoft Excel and Microsoft Office.
- Ability to manage multiple loan files independently and meet deadlines in a fast-paced remote environment.
Responsibilities
- Review residential mortgage loan files at every stage of the loan lifecycle, including pre-closing and post-close.
- Validate borrower documentation, including income, assets, credit, collateral, and supporting documents.
- Calculate qualifying income across different documentation types and validate reserves and source of funds.
- Review and prepare Initial Disclosures for accuracy, completeness, and regulatory compliance.
- Identify and resolve missing documentation, data discrepancies, compliance gaps, and process issues.
- Respond to and clear underwriting conditions, including those flagged by AI-driven systems.
- Work directly inside Encompass LOS to review, update, and validate loan information.
- Communicate clearly with internal teams and borrowers to collect outstanding documentation.
- Contribute to continuous process improvement and quality assurance efforts.
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