4 Respa Jobs

Position Summary (Underwriting): The Mortgage underwriting Manager must have managed the eligibility of loan applications of residential mortgage (1-4 family) loans. This role requires experience in analyzing and verifying loan applications, review of all 4 Cs, evaluating risks, and making loan eligibility decisions. The incumbent ensures the accurate, efficient, and timely flow of information/documentation for offering quality and efficient services. Responsibilities: Knowledge of mortgage underwriting and Agency automated underwriting systems. Demonstrate a full understanding of agency guidelines as well as posted Lender internal guidelines Experience in full analysis of all types of income (Self/Rental/Wage/etc.), Assets, Liabilities, Credit and Collateral. Experience in managing credit, income, and assets on a loan-by-loan basis to properly assess individual risk, and promptly provide underwriting decisions to Mortgage Originators Experience in managing property documentation including title commitments, sales contracts, insurance, and flood determinations Maintain a well-developed knowledge of loan product guidelines and industry regulations, including assisting in the prevention, detection, and resolution of mortgage fraud Transaction Quality• Drive continuous improvement for Transaction Quality and Delivery• Manage Transaction Quality & Client related Key Performance Indicators (KPIs)• Evaluate effectiveness of transactional quality interventions• Strengthen Quality management processes / framework to improve quality delivery• Accurately capture SLA/SLO metrics, the reporting needs of each of the client and set up / customize processes to seamlessly meet client's expectations • Ability to get out of the box ideas and Process improvement initiatives in the process • Should drive Process control & Compliance in addition to managing Audit SLAs • Provide crisp and specific feedback to Front Line Recruitment Teams on quality of new hires • Provide quality floor support, feedback, refreshers etc. via the teams aligned • Facilitate Quality and Compliance team to perform various audits and follow-ups based on the observations highlighted Essential Skills / Expertise required:- • Six Sigma Green Belt Certified • Effective People Management skills to be able to drive teams across LOBs and/or Geographies • Ability to drive initiatives to closure• Ability to deal with all levels of employees and to provide leadership, direction and motivation to building performing teams • Analytical Skills / Quantitative skills with excellent data handling / data interpretation skills • Excellent Communication skills Both verbal and written to manage client and leadership communication • Needs to have good working knowledge of Transaction Quality systems, tools and technologies • Process Oriented, Planning, Decision making, Data Handling, Ability to prioritize, Ability to meet deadlines • Detail oriented, Strong organizational skills and Presentation skills • Flexible to work in 24X7 environment Qualifications Bachelor's Degree

Role & responsibilities Loan File Reviews : Conduct detailed reviews of mortgage loan files to ensure all documentation is complete and accurate Verify that all relevant loan closing conditions have been sufficiently met and that file complies with company policies and regulatory requirements Compliance and Accuracy Checks : Ensure compliance with federal and state regulations, including RESPA, TILA, and CFPB guidelines Confirm that all closing costs, fees and loan terms are correctly documented Ensure pre- and post-closing documentation is complete, accurate, and complies with regulations Risk Assessment : Perform quality control checks to prevent significant compliance findings and ensure the integrity of the loan closing process Promptly identify and report any pre- and post-closing issues or discrepancies that may arise Communication and Training: Communicate findings and feedback clearly and concisely to relevant loan parties Identify and assist with training opportunities pertaining to quality reviews and communicate with Management to implement such needed sessions Must be able to fulfill the role of subject matter expert for the team and scope assigned Required Skills: Attention to Detail : Ensure all information is accurate and complete Organizational Skills : Manage multiple loan files and tasks and be able to adapt to constant modification of the workflow Communication Skills : Must demonstrate impeccable written and verbal communication skills Time Management Skills : Able to manage time effectively in a fast-paced environment with emphasis on quality Analytical Skills : Able to interpret policies and guidelines and problem solve while analyzing customer and loan documentation Computer Proficiency : Proficient use of quality control software and tools, and navigation in a paperless environment through multiple systems and applications with ease Required Experience 5+ years Current Mortgage Closing Experience: Extensive understanding of mortgage department processes, and understanding of entire mortgage life cycle, particularly processing and closing procedures, RESPA and TRID Minimum 2 years Closing QC Experience: Understanding of closing requirements and guidelines for FHLMC and FNMA for both purchase and refinances, HELOC preferred.

Company Profile: Infinity IPS Founded in 2003, Infinity IPS is a mortgage industry leader in providing end-to-end services and solutions. We specialize in mortgage due diligence, pre-fund and post-close quality control, mortgage servicing reviews and loan brokering services. We are vetted by all 5 major rating agencies. Our clients are financial entities including investment banks, commercial banks, mortgage companies, government agencies and mortgage insurers Post Analyst Compliance – US Mortgage - WORK FROM OFFICE Location – Bangalore & Pune Job Shift – 7 pm to 5 am - Night - 5 Days a Week – Saturday & Sunday Off PERSON WITH EXPERIENCE IN COMPLIANCE REVIEW OF US MORTGAGE REQUIRED MUST HAVE KNOWLEDGE CLOSING DISCLOSURE, LOAN ESTIMATE, TRID, POST CLOSING IMMEDIATE JOINERS AND PERSONS WHO CAN JOIN IN 15 DAYS ARE PREFERRED. Position Overview: The Compliance Analyst – US Mortgage (Non-QM) is responsible for ensuring that Non-Qualified Mortgage (Non-QM) loans adhere to regulatory requirements, investor guidelines, and company policies. This role involves reviewing Non-QM loan files, monitoring compliance programs, identifying regulatory risks, and working with internal teams to ensure that Non-QM mortgage operations align with legal and regulatory standards. Key Responsibilities: Ensure compliance with federal and state regulations, including Dodd-Frank Act, CFPB, ATR (Ability-to-Repay) Rule, TILA, RESPA, ECOA, HMDA, and FCRA as they relate to Non-QM loans. Verify that Non-QM loans meet the Ability-to-Repay (ATR) requirements while remaining within investor and secondary market guidelines. Conduct pre-funding and post-funding audits on Non-QM loan files to ensure compliance with investor and regulatory requirements. Ensure that all loan disclosures comply with state-specific lending laws and high-cost loan regulations. Experience with mortgage compliance software and loan origination systems (LOS) such as Encompass, Calyx, Mavent or proprietary Non-QM platforms. Knowledge of fair lending regulations, high-cost loan thresholds, and state-specific lending compliance for Non-QM loans. Reviewing documents related to origination such as CD (Closing Disclosures) , LE (Loan Estimates), 1008, 1003, 1004, Credit report. Performed root-cause analysis (RCA) to provide feedback. Loan Review & Risk Analysis : Review and analyze mortgage loan files to ensure all required documentation is complete and accurate. Identify any potential risks or discrepancies and ensure corrective actions are taken.

Job Overview: The role of the Pre-Purchase Reviewer is to review the closed loan file documents and ensure that the loan closed according to the approval, meets all federal, state, local and investor requirements and that the data in the LOS matches the data in the mortgage loan documents. The position requires a thorough understanding and familiarity of both credit, income, assets and closing documents to complete the applicable review questions in the questionnaire and provide results to Client Job Roles and Responsibilities: Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. Knowledge of Loan Origination Cycle- Loan Application, Origination, Due Diligence, Pre-Purchase Review or Underwriting process Knowledge of different types of mortgages and its functioning and ability to review various documents involved in Closing, Funding and Underwriting Review the loan documents using the Pre-Purchase Review checklist for completeness and accuracy Strong knowledge of ATR/QM, RESPA, TRID and mortgage compliance regulations Review of Conventional, FHA, VA & USDA loan types General knowledge of Fannie Mae, Freddie Mac, FHA and VA guidelines Add suspense conditions in a clear concise manner in LOS for any deficiencies noted as part of the above review Strong Customer Service Skills, Detail Oriented with good analytical skills and the ability to make decisions based on the situation. Contact Details-amith.anbalagan2@gomoder.com/8248444597