Jobgether
Mortgage Operations Analyst
TLDR
End-to-end loan lifecycle support in residential mortgage processing with AI-assisted underwriting and cross-team collaboration.
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.
- 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.
- 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.
Requirements:
Benefits:
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!
Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.
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Benefits
Home Office Stipend
Home office setup stipend to support remote productivity.
Paid Time Off
Unlimited paid time off to support work-life balance.
Remote-Friendly
Fully remote-first work setup based in India.
Jobgether runs the largest remote job platform, effectively linking job seekers with over 200,000 flexible and remote opportunities that match their unique skills and preferences. Our focus is on enhancing the hiring process, ensuring efficiency while prioritizing the candidate experience, particularly in the growing health and wellness sector.
- Founded
- Founded 2020
- Employees
- 11-50 employees
- Industry
- Professional Services
Operations Analyst