Mortgage Operations Analyst

Job not on LinkedIn

🕒 July 28

🇮🇳 India – Remote

⏰ Full Time

🟢 Junior

🟡 Mid-level

⚙️ Operations

👻 Ghost score 30%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Saaf Finance

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2022

💳 Fintech

🤖 Artificial Intelligence

☁️ SaaS

Fintech • Artificial Intelligence • SaaS

Saaf Finance is an AI-driven underwriting platform for mortgage lenders. Saaf’s AI Underwriter automates mortgage underwriting across products such as Non-QM, RTL, HELOC, DSCR, Jumbo, and Bank Statement loans, using OCR, large language models, and API integrations with data vendors and loan origination systems (e. g. , Encompass, MeridianLink). The platform produces structured “Source of Truth” loan data, reduces fraud risk through direct data connections, and claims substantial operational gains (faster processing, lower cost, and greater scalability). Saaf positions itself as a B2B partner to mortgage operations and secondary market participants, leveraging a training set of 200K+ loans and decades of industry experience to augment underwriters rather than replace them.

📋 Description

• Review residential mortgage loan files at every stage of the loan lifecycle, including pre-closing and post-close. • Validate borrower documentation: income (W-2, self-employed, bank statement, DSCR), assets, credit, collateral, and supporting documents. • Calculate qualifying income across different documentation types and validate reserves and source of funds. • Review and prepare Initial Disclosures for accuracy, completeness, and regulatory compliance. • Identify missing documentation, data discrepancies, compliance gaps, and process issues — and resolve them with the right stakeholders. • Respond to and clear underwriting conditions, including those flagged by AI-driven underwriting systems. • Work directly inside Encompass LOS to review, update, and validate loan information; manage milestones and order services. • Communicate clearly with internal teams and, where required, with borrowers to collect outstanding documentation. • Document findings and actions accurately in internal systems. • Contribute to continuous process improvement and quality assurance efforts.

🎯 Requirements

• 2+ years of hands-on U.S. mortgage operations experience across processing, underwriting support, loan review, closing, or post-close functions. • Working knowledge of the full U.S. residential mortgage loan process — not pigeonholed into a single task or document type. • Hands-on experience with Encompass LOS (required — will be validated in a live test). • Familiarity with mortgage documentation, disclosures, and loan file review. • Ability to calculate income across different employment types (wage-earner, self-employed, bank statement) and validate assets and reserves. • Strong attention to detail, analytical skills, and problem-solving mindset. • Excellent written and verbal English communication skills — must comprehend complex instructions and communicate clearly with U.S.-based teams. • Proficiency in Microsoft Excel and Microsoft Office. • Ability to manage multiple loan files independently and meet deadlines in a fast-paced remote environment.

🏖️ Benefits

• Competitive compensation • Unlimited PTO • Remote-first • Home office setup stipend