US Mortgage Analyst

Role & 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.

Preferred candidate profile

• Qualifications: Bachelors 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
• lifecycle (Origination, Processing, Underwriting Support, Closing, Post-Closing).
• Guidelines: Solid knowledge of Conventional (Fannie Mae / Freddie Mac) and
• 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

Required Skills:
Full time

• Regulations: Familiarity with federal mortgage regulations including TRID, RESPA,
• ECOA, and TILA.
• Skills: Ability to independently identify discrepancies across income, asset, and
• credit documentation under production deadlines; clear written and verbal
• communication with US-based stakeholders; strong numerical accuracy in
• reconciling borrower financials.

Job Location - Gandhinagar

Timing - 05.30PM to 02.30PM/04.30PM to 01.30PM

Interested candidates can drop their CV to monisha.t@befree.com.au

• Regards,
• Monisha T
• Senior HR TA