Mortgage Operations Analyst

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 eager to learn new mortgage products, regulations, and processes.
• Organised, detail-focused, and quality-driven.
• Strong critical thinker — challenges AI-generated outputs and underwriting condition recommendations when they don't make sense.
• Comfortable working independently while collaborating with cross-functional teams.
• Takes ownership of assigned work and follows through without constant supervision.

Compensation & Benefits

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