Mortgage Operations Analyst Full Time NEW

This role sits at the core of U.S. residential mortgage operations, supporting the end-to-end loan lifecycle from initial disclosures through underwriting, closing, and post-closing review. You will work directly inside loan files, ensuring accuracy, compliance, and completeness across borrower documentation and system data. The environment is fast-paced, detail-intensive, and highly collaborative, requiring strong ownership and precision in every step of the process. You will validate income, assets, and credit information, resolve underwriting conditions, and help ensure loans meet investor and regulatory standards. This role also involves working with AI-assisted underwriting outputs, where your judgment and expertise help confirm or correct system recommendations. You will collaborate closely with processing, underwriting, and closing teams to resolve discrepancies and move loans forward efficiently. It is a hands-on operational role with direct impact on loan quality, cycle time, and customer outcomes.

Accountabilities

• 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.

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.
• Familiarity with Non-QM, DSCR, RTL, or agency loan products is a plus.
• Understanding of TRID, RESPA, or TILA regulations is an added advantage.

Benefits

• Competitive compensation package aligned with U.S. mortgage operations experience.
• Fully remote-first work setup based in India.
• Unlimited paid time off to support work-life balance.
• Home office setup stipend to support remote productivity.
• Opportunity to work on AI-enabled mortgage operations and modern lending workflows.
• Exposure to complex U.S. mortgage products and end-to-end loan lifecycle management.
• Collaborative, high-performance environment with strong ownership culture.
• Career growth opportunities in a rapidly scaling AI-driven mortgage operations platform.

How Jobgether Works

We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role’s core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.

We appreciate your interest and wish you the best!

Why Apply Through Jobgether?

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