Senior Associate_Mortgage (USA)

Role: US Mortgage Operations In this role, you will be responsible for end-to-end processing support for Residential US mortgage loans. You will work closely with brokers, lenders, and third-party vendors to ensure timely, compliant, and accurate loan fi le processing through all stages of the mortgage lifecycle. 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 Qualifications and Experience ● Qualifications: Bachelor’s 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. ● Regulations: Familiarity with federal mortgage regulations including TRID, RESPA, ECOA, and TILA. Required Skills ● 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