{"id":869557,"url":"https://alion.io/job/saaffinance-mortgage-operations-analyst","title":"Mortgage Operations Analyst","company":{"id":698350,"name":"Saaf Finance","domain":"saaffinance.com","url":"https://alion.io/company/saaffinance","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Ashby","truth_index":null},"role":"Operations","role_family":"Operations","seniority":"staff","employment_type":"full_time","work_mode":"remote","remote_scope":"stated_countries","remote_scope_basis":"posting_text","remote_working_hours":{"label":"EST","utc_offset_min":-5,"utc_offset_max":-5},"hiring_geo_confidence":"explicit","locations":[],"countries":[],"hiring_countries":["IN"],"hiring_countries_total":1,"salary":null,"salary_estimate":{"min_usd":17500,"max_usd":39000,"period":"year","method":"global_role_cell_scaled_by_country","sample_n":763},"experience_years_min":15,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Microsoft Excel","optional":false},{"name":"Microsoft Office","optional":false}],"status":"live","first_seen_at":"2026-06-08T10:30:56Z","employer_posted_date":"2026-06-08","last_verified_at":"2026-11-05T04:20:23Z","board_verified":true,"closed_at":null,"days_open":149,"trust":{"level":"stale","repost_count":0,"flags":["stale"],"days_open":149},"description":"Mortgage Operations Analyst\nLocation: India (Remote) | Hours: EST\nAHL + Saaf AI\nSaaf 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.\nWe're not experimenting with AI. We're deploying it - from underwriting to document processing to borrower experience.\nAbout the Role\nSaaf 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.\nThis 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.\nKey Responsibilities\nReview residential mortgage loan files at every stage of the loan lifecycle, including pre-closing and post-close.\n\nValidate borrower documentation: income (W-2, self-employed, bank statement, DSCR), assets, credit, collateral, and supporting documents.\n\nCalculate qualifying income across different documentation types and validate reserves and source of funds.\n\nReview and prepare Initial Disclosures for accuracy, completeness, and regulatory compliance.\n\nIdentify missing documentation, data discrepancies, compliance gaps, and process issues - and resolve them with the right stakeholders.\n\nRespond to and clear underwriting conditions, including those flagged by AI-driven underwriting systems.\n\nWork directly inside Encompass LOS to review, update, and validate loan information; manage milestones and order services.\n\nCommunicate clearly with internal teams and, where required, with borrowers to collect outstanding documentation.\n\nDocument findings and actions accurately in internal systems.\n\nContribute to continuous process improvement and quality assurance efforts.\n\nRequired Qualifications\n2+ years of hands-on U.S. mortgage operations experience across processing, underwriting support, loan review, closing, or post-close functions.\n\nWorking knowledge of the full U.S. residential mortgage loan process - not pigeonholed into a single task or document type.\n\nHands-on experience with Encompass LOS (required - will be validated in a live test).\n\nFamiliarity with mortgage documentation, disclosures, and loan file review.\n\nAbility to calculate income across different employment types (wage-earner, self-employed, bank statement) and validate assets and reserves.\n\nStrong attention to detail, analytical skills, and problem-solving mindset.\n\nExcellent written and verbal English communication skills - must comprehend complex instructions and communicate clearly with U.S.-based teams.\n\nProficiency in Microsoft Excel and Microsoft Office.\n\nAbility to manage multiple loan files independently and meet deadlines in a fast-paced remote environment.\n\nPreferred Qualifications\nExposure to Non-QM, DSCR, or RTL loan products (priority).\n\nExposure to Agency, Government, or Conventional loan products.\n\nExperience reviewing Initial Disclosures and mortgage compliance documentation.\n\nUnderstanding of TRID, RESPA, TILA, or other mortgage regulatory frameworks (a plus, not required).\n\nPrior remote mortgage operations experience.\n\nIdeal Candidate\nTrainable and eager to learn new mortgage products, regulations, and processes.\n\nOrganised, detail-focused, and quality-driven.\n\nStrong critical thinker - challenges AI-generated outputs and underwriting condition recommendations when they don't make sense.\n\nComfortable working independently while collaborating with cross-functional teams.\n\nTakes ownership of assigned work and follows through without constant supervision.\n\nCompensation & Benefits\nCompetitive compensation\n\nUnlimited PTO\n\nRemote-first\n\nHome office setup stipend","description_format":"text","description_chars":4540,"description_truncated":false,"requirements":{"experience_years_min":15,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[{"language":"English","level":"Upper-Intermediate (B2)","optional":false}]},"benefits":["Home office","Unlimited PTO"],"hiring_locations":[{"name":"India","iso":"IN","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Consumer Loans & Pawnshops"],"lifecycle":[{"event":"open","at":"2026-09-13T15:56:30Z"}],"visa":[],"liveness":{"score":10,"band":"cold","label":"Long shot","p_open":1,"p_active":0.369,"p_room":0.28,"age_days":149,"expected_fill_days":28,"reasons":["conf:1","win:tail","crowd:"],"computed_at":"2026-11-05T05:54:30Z"},"pay":null,"html_url":"https://alion.io/job/saaffinance-mortgage-operations-analyst","json_url":"https://alion.io/job/saaffinance-mortgage-operations-analyst.json","meta":{"generated_at":"2026-11-05T09:36:38Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":12198,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-06T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":698350},"rest":"https://alion.io/mcp/rest/get_company?id=698350"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fsaaffinance-mortgage-operations-analyst"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fsaaffinance-mortgage-operations-analyst"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fsaaffinance-mortgage-operations-analyst"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/saaffinance-mortgage-operations-analyst\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fsaaffinance-mortgage-operations-analyst"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":869557}},{"tool":"search_jobs","arguments":{"company":"saaffinance.com","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":869557},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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