Mortgage Operations Analyst

This is a fully remote position, open to applicants in India.

📋 Description

• Evaluate residential mortgage loan files throughout the entire loan lifecycle, including both pre-closing and post-closing stages.

• Verify borrower documentation, including income (W-2, self-employed, bank statements, DSCR), assets, credit, collateral, and other supporting materials.

• Assess qualifying income using various documentation types and confirm reserves and sources of funds.

• Review and prepare Initial Disclosures to ensure accuracy, completeness, and compliance with regulations.

• Identify any missing documentation, discrepancies in data, compliance issues, and process challenges — and work to resolve them with relevant stakeholders.

• Address and resolve underwriting conditions, including those highlighted by AI-driven underwriting systems.

• Operate directly within Encompass LOS to review, update, and validate loan information; manage milestones and service orders.

• Effectively communicate with internal teams and, when necessary, with borrowers to gather outstanding documentation.

• Accurately document findings and actions within internal systems.

• Participate in ongoing process improvement and quality assurance initiatives.

⛳️ Requirements

• A minimum of 2 years of practical experience in U.S. mortgage operations, covering processing, underwriting support, loan review, closing, or post-closing functions.

• Comprehensive understanding of the complete U.S. residential mortgage loan process — not limited to a single task or type of document.

• Direct experience with Encompass LOS (mandatory — will be assessed via a live test).

• Knowledge of mortgage documentation, disclosures, and loan file reviews.

• Proficient in calculating income across various employment types (wage-earner, self-employed, bank statement) and validating assets and reserves.

• Exceptional attention to detail, strong analytical skills, and a problem-solving attitude.

• Outstanding written and verbal communication skills in English — must be able to understand complex instructions and communicate effectively with U.S.-based teams.

• Proficient in Microsoft Excel and Microsoft Office applications.

• Capable of independently managing multiple loan files and meeting deadlines in a dynamic remote environment.

🏝️ Benefits

• Competitive compensation

• Unlimited PTO

• Remote-first work environment

• Stipend for home office setup