Mortgage Operations Analyst

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Mortgage Operations Analyst Location: India (Remote) | Hours: EST AHL + Saaf AI Saaf AI is building the AI workforce for the mortgage industry. Saaf AI is part of American Heritage Lending (AHL), a top-10 private lender processing billions in loan volume with 15+ years of mortgage origination expertise. Together, we are combining AHL's proven lending operations with the power of AI-native innovation to redefine what's possible in mortgage lending. We are backed by some of the largest asset managers and funds and are growing fast. We're not experimenting with AI. We're deploying it — from underwriting to document processing to borrower experience. About the Role Saaf AI is hiring a Mortgage Operations Analyst to join our growing U.S. mortgage operations team. In this role, you will review and support residential mortgage loan files across the full loan lifecycle — from initial disclosures and processing through closing and post-close — to ensure accuracy, completeness, compliance, and adherence to investor and lender guidelines. This is a hands-on operations role, not a passive audit function. You will work inside the loan file, validate borrower documentation, surface discrepancies, calculate income and assets, resolve underwriting conditions (including those flagged by AI-driven underwriting systems), and collaborate with processing, underwriting, closing, and post-closing teams. The ideal candidate is detail-oriented, takes ownership, learns quickly, and can work independently in a remote environment. Key Responsibilities 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. Required Qualifications 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. Preferred Qualifications Exposure to Non-QM, DSCR, or RTL loan products (priority). Exposure to Agency, Government, or Conventional loan products. Experience reviewing Initial Disclosures and mortgage compliance documentation. Understanding of TRID, RESPA, TILA, or other mortgage regulatory frameworks (a plus, not required). Prior remote mortgage operations experience. Ideal Candidate Trainable and e

抵押贷款运营分析师 地点：印度（远程）| 工作时间：EST AHL + Saaf AI Saaf AI 正在为抵押贷款行业构建 AI 劳动力。Saaf AI 是 American Heritage Lending（AHL）的一部分，AHL 是排名前 10 的私人贷款机构，处理数十亿美元的贷款量，拥有 15 年以上的抵押贷款发起经验。我们正在将 AHL 经过验证的贷款运营与 AI 原生创新的力量相结合，重新定义抵押贷款领域的可能性。我们获得了一些最大的资产管理公司和基金的支持，并且正在快速增长。我们不是在试验 AI。我们正在部署它——从承保到文档处理再到借款人体验。 关于该职位 Saaf AI 正在招聘一名抵押贷款运营分析师，加入我们不断壮大的美国抵押贷款运营团队。在该职位中，您将审查并支持住宅抵押贷款贷款文件，覆盖整个贷款生命周期——从初始披露和处理到交割和交割后——以确保准确性、完整性、合规性以及对投资者和贷款机构指南的遵守。这是一个实操型运营职位，而不是被动的审计职能。您将在贷款文件内部工作，验证借款人文档，发现差异，计算收入和资产，解决承保条件（包括由 AI 驱动的承保系统标记的条件），并与处理、承保、交割和交割后团队协作。理想的候选人注重细节、具有主人翁意识、学习速度快，并且能够在远程环境中独立工作。 主要职责 在贷款生命周期的每个阶段审查住宅抵押贷款贷款文件，包括交割前和交割后。 验证借款人文档：收入（W-2、自雇、银行对账单、DSCR）、资产、信用、抵押品和支持性文件。 计算不同文档类型下的合格收入，并验证准备金和资金来源。 审查并准备初始披露文件，以确保准确性、完整性和监管合规性。 识别缺失文档、数据差异、合规缺口和流程问题——并与正确的利益相关者一起解决。 回应并清除承保条件，包括由 AI 驱动的承保系统标记的条件。 直接在 Encompass LOS 中工作，以审查、更新和验证贷款信息；管理里程碑并订购服务。 与内部团队清晰沟通，并在需要时与借款人沟通以收集未完成的文档。 在内部系统中准确记录发现和行动。 为持续流程改进和质量保证工作做出贡献。 必备资格 2 年以上美国抵押贷款运营实操经验，涵盖处理、承保支持、贷款审查、交割或交割后职能。 具备美国住宅抵押贷款完整流程的实用知识——而不是局限于单一任务或文档类型。 具有 Encompass LOS 的实操经验（必需——将在现场测试中验证）。 熟悉抵押贷款文档、披露文件和贷款文件审查。 能够计算不同就业类型（工薪族、自雇、银行对账单）的收入，并验证资产和准备金。 注重细节、分析能力强，并具有解决问题的思维方式。 优秀的英语书面和口头沟通能力——必须能够理解复杂指令，并与美国团队清晰沟通。 熟练使用 Microsoft Excel 和 Microsoft Office。 能够在快节奏的远程环境中独立管理多个贷款文件并按时完成。 优先资格 接触过 Non-QM、DSCR 或 RTL 贷款产品（优先）。 接触过 Agency、Government 或 Conventional 贷款产品。 具有审查初始披露文件和抵押贷款合规文档的经验。 了解 TRID、RESPA、TILA 或其他抵押贷款监管框架（加分项，非必需）。 有远程抵押贷款运营经验。 理想候选人 可培训且 e

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