14 Encompass Jobs

Credit Analysis & Underwriting Portfolio Monitoring Monitoring for Financial Ratio Completeness: troubleshooting and investigation Troubleshooting Power BI Issues analyzing cash flow models. Credit Analysis Required Candidate profile Advanced (5+ years) Financial Data Analysis Experience Intermediate (3+ years) with Financial and Accounting Concepts Some (1+ year) SQL Experience Experience with Credit Underwriting.

The Underwriter reviews, conditions, and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness. Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor and the company. Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines. Provides final approval underwriting of mortgage loans Conventional, Correspondent, FHA, VA, Reverse. Completes all required paperwork and forms in a timely and accurate manner; prepares required forms. Sign off conditions in a timely manner set by management. Work with staff and management to find solutions on escalated loans. May be requested to make recommendations for improving Internal Audits policies and practices. Manage loans by using all functions of Encompass. Effectively communicate underwriting decisions with processors and advisors Maintain high level of customer service and communication with other departments. Requirements Bachelors degree or equivalent of fifteen years of education mandatory Minimum of 1 years of experience in Mortgage Underwriting with thorough knowledge of Financial and nonfinancial supporting documentation, Income calculations, Asset/ Liabilities & Appraisal verification, Credit report review. Knowledge about risk and compliance in Lending especially the FNMA & FHLMC Underwriting standards. Knowledge about Underwriting procedures of Conventional, Correspondent Lending, Reverse mortgage, FHA, VA (Government loans) underwriting Ready to do any shifts including night shift as per Business unit requirements. Ready to travel to office for training and other learning work related activities as per Business unit requirements. Show more Show less

As a Senior Frontline Underwriter for Residential Mortgages, you will be responsible for reviewing and verifying all loan applications and supporting documents. Your role will involve analyzing credit, income, and asset documentation, including 1040s, K1s, bank statements, and other financial records. It will be crucial to identify risks and inconsistencies within mortgage loan files and perform both AUS (such as DU, LP) and manual underwriting. Additionally, you will run and analyze fraud detection reports using tools like Fraud Guard, Fraud Manager, and DRIVE to ensure the integrity of the underwriting process. Your expertise in maintaining compliance with agency guidelines such as FHA, VA, FNMA, FHLMC, and USDA, as well as applying internal credit policies, TRID, and mortgage regulatory standards, will be essential. You will be expected to accurately document underwriting decisions, communicate conditions or declinations, and uphold high-quality output with minimal supervision under strict timelines. Collaboration with internal teams and professional responses to client inquiries will also be part of your responsibilities. To excel in this role, you should possess a minimum of 5+ years of recent US Residential Mortgage underwriting experience. A strong understanding of FHA, VA, FNMA, FHLMC, USDA guidelines, and Non-QM products is required. Proficiency in compliance, disclosures, closing documentation, or post-close due diligence, along with excellent analytical and documentation skills, will be beneficial. Familiarity with LOS platforms like Encompass, BytePro, Calyx, Empower, and Lending QB, as well as a deep understanding of US mortgage regulatory changes and TRID, are essential. Your ability to thrive in high-volume environments, meet deadlines, and demonstrate exceptional communication (both verbal and written) and time-management skills will contribute to your success in this role. Preferred qualifications include experience in underwriting Jumbo and Bank Statement programs, exposure to third-party fraud tools like Fraud Guard, Fraud Manager, and DRIVE, and a strong knowledge of US mortgage processes and investor guidelines.,

As a Technical Support Specialist at ICE Mortgage Technology, you will leverage your technical expertise to assist clients in effectively utilizing our software solutions. Your primary responsibilities will include resolving client problems promptly and independently for 85% of assigned cases, adhering to departmental service level standards, and aiming for first-call resolution while maintaining appropriate technical escalation rates. You will play a crucial role in identifying and addressing systemic customer-impacting issues, participating in the product defect/enhancement closed loop process by accurately identifying defects and enhancements, and ensuring timely communication of status updates to clients. It is essential to adhere to company and departmental guidelines and policies for customer interaction, maintain consistent behaviors and service delivery across the team, and manage case backlogs according to departmental standards. To excel in this role, you should have a minimum of 3 years of technical support experience or 1 year of experience coupled with a Bachelor's Degree or equivalent qualification. Proficiency in Client/Server Architecture, Windows, VPN, and network troubleshooting tools such as Telnet, Traceroute, or Ping is required. Additionally, you should possess the ability to analyze and resolve customer issues related to processing, underwriting, closing, post-closing, secondary marketing, regulatory requirements, XML files, JSON files, system logs, and investor guidelines. Experience with log analyzer tools like Splunk, Kibana, or similar platforms is advantageous. A solid understanding of the Mortgage Banking Industry and technical knowledge relevant to the responsibilities of the role is essential. You should be adept at managing your time effectively, collaborating with team members to achieve common goals, and communicating clearly and professionally with clients. Furthermore, you must demonstrate a customer-centric approach, make sound and timely decisions, and exhibit technical proficiency in diverse technologies and skills relevant to the job. Preference will be given to candidates with experience in using Encompass and a basic understanding of the mortgage process and loan origination systems at a conceptual level. This role offers the flexibility of working from home one day per week, providing a balanced work environment conducive to productivity and job satisfaction.,

Dear All, We're seeking immediate joiners for Title - Curative at our Nagwara, Bengaluru office. If interested please share the updated Resume/Biodata at ta.manager@prodocssolution.com or recruitment.hr@prodocssolution.com Job description Review title commitments, reports, and public records to identify title defects and encumbrances (e.g., liens, easements, boundary disputes, unreleased mortgages). Work directly with underwriters, attorneys, lenders, and other stakeholders to resolve title issues. Order and interpret legal documents such as death certificates, probate records, court orders, and affidavits. Draft and obtain curative documents, including lien releases, subordination agreements, quit claim deeds, and satisfaction of mortgage. Communicate with sellers, buyers, realtors, and contractors to gather necessary information and documentation. Ensure all title curative actions are documented and completed per underwriter guidelines. Update and maintain file records in the System. Support escrow and closing departments to ensure timely and compliant closing. Requirements: - Graduate degree or equivalent - 2-3 years of experience in title pre-closing - Familiarity with Qualia and Secretary of State website Work Details: - Location : Nagwara, Bengaluru - Shift Timing : 6:00 PM to 3:00 AM - Working Mode : Hybrid Thanks & Regards, Gaurav Acharya Manager - TA #9702506773 Prodocs Solutions Ltd

As a Senior Underwriter in the Residential Mortgage industry, you will be part of the Shared Services function that aims to deliver operational support to Business Units within the organization. Your role will involve reviewing and verifying loan applications, analyzing loan risks, ensuring compliance with regulatory standards and company policies, and communicating loan conditions to stakeholders. Additionally, you will be responsible for identifying portfolio risks, documenting loan decisions, and performing other tasks as assigned by your manager. To excel in this role, you should possess a strong understanding of mortgage guidelines and policies for various loan types such as VA, FHA, Client, FHLMC & USDA. Your expertise should include analyzing qualifying income from tax documents, credit reports, and bank statements, as well as experience in both automated underwriting systems (AUS) and manual underwriting methods. Familiarity with fraud detection tools and industry-standard loan origination systems like Encompass, BytePro, Calyx, Empower, or Lending QB is preferred. The ideal candidate will have at least 5 years of recent US Mortgage underwriting experience, with a background in compliance review, disclosures preparation, closing, and due diligence within the residential mortgage sector. You should stay updated on mortgage policies, compliance laws, and regulatory changes, including TRID, to ensure accurate and efficient underwriting processes. Your commitment to quality, excellent time management skills, and ability to work independently while meeting deadlines will be crucial for success in this role. As a Senior Underwriter, you must demonstrate professionalism, attention to detail, superior communication skills, and proficiency in Microsoft Office applications. This role requires you to work under pressure, adhere to company policies, and maintain a positive attitude while delivering exceptional customer service. This position is based in the office, with working hours aligned with the US time zone (India Night Shift). If you are seeking a challenging opportunity to leverage your underwriting skills in the residential mortgage industry, this role offers a dynamic environment where you can contribute to the success of the organization while ensuring compliance and quality in loan processing.,

If you're ready to lead with ownership and precision, and have a knack for turning vision into reality, we want to hear from you! Unleash your passion for product innovation by spearheading customer-centric development, inspiring groundbreaking solutions, and shaping the future with your strategic vision, influence and execution! The Home Lending Data Testing team provides centralized prioritization, planning, design, execution leadership, and support for large, complex, technology-dependent data programs across the Home Lending organization. As a key driver in the project delivery lifecycle, this team partners across CCB and the JPMC Enterprise to define strategies and approaches for testing Home Lending Data initiatives, as well as setting and stewarding sound UAT Management methodologies. As a Product Manager in Home Lending, you will lead a team of automation engineers, partnering with product owners, supporting technology teams, and testing transformation to contribute to the strategic data automation planning and tactical build/execution of data testing across a diverse application suite. Lead, mentor, and inspire a team of data automation engineers and leads across multiple domains and source systems, fostering a culture of innovation and excellence. Design and develop high-volume, low-latency tools to support the testing of Home Lending applications. Own and guide the modernization of our automation framework, including the migration of legacy/local scripts to AWS, and enabling cloud-based test execution and monitoring. Build self-service automation insight reporting (in AWS or tools like Tableau) to provide visibility and business impact. Ensure seamless code integration into Home Lending Tech's CI/CD build and deploy pipelines. Define and document automation-focused test strategies for products and applications. Drive continuous improvement by exploring innovative solutions for design review and implementation. Implement ideas from concept through to execution, including root cause analysis. Manage timelines, dependencies, and resources while liaising with stakeholders and functional partners. Conduct market research and competitive analysis to identify opportunities for differentiation and innovation. Build and implement architectural designs that enhance testing processes. Required qualifications, capabilities, and skills: Proven experience leading automation engineering teams. and experience migrating automation scripts to cloud platforms. Advanced expertise in designing and deploying scalable systems on AWS (AWS Cloud Practitioner Certification required). Certified ScrumMaster (CSM) or equivalent Agile certification, demonstrating understanding of Agile methodologies. Strong understanding of the Software Development Life Cycle, contributing to all phases. Strong hands-on experience with databases (Oracle, MySQL, SQL Server) and proficiency in writing queries. Strong hands-on experience with functional testing automation tools (Selenium, Java, Cucumber, Python) and test automation frameworks (Selenium, PyTest, Java, Python, PySpark, etc.). Strong experience with data quality testing and working across multiple systems of record (Encompass, MFTS, Federated, etc.). Deep understanding of customer needs and pain points, using insights to guide product development and prioritize high-value features. Proficiency in data analytics to inform product decisions and improve user experience and business outcomes. Strong collaboration skills with engineering, design, and business teams, effectively communicating product goals and progress to stakeholders. Excellent organization and time management capabilities. Ability to coach and mentor team members with a mindset of curiosity, ownership, and accountability. Preferred qualifications, capabilities, and skills: A passion for storytelling with data, and translating automation results into business insights. Previous experience in user experience design and solution design. Proficient in Figma, JIRA, JIRA Align, Excel, PowerPoint, Process Mapping Tools.AWS experince preferred. Knowledge of cloud-native CI/CD workflows using tools such as Jenkins, AWS CodePipeline, or similar. Proficiency in Jira, Confluence, and agile tools for tracking and collaboration. Familiarity with data visualization tools (Tableau, Alteryx, QuickSight) is a plus. Bachelor's Degree in Computer Science, Information Technology, or a related field.,

If you're ready to lead with ownership and precision, and have a knack for turning vision into reality, we want to hear from you! Unleash your passion for product innovation by spearheading customer-centric development, inspiring groundbreaking solutions, and shaping the future with your strategic vision, influence, and execution! The Home Lending Data Testing team provides centralized prioritization, planning, design, execution leadership, and support for large, complex, technology-dependent data programs across the Home Lending organization. As a key driver in the project delivery lifecycle, this team partners across CCB and the JPMC Enterprise to define strategies and approaches for testing Home Lending Data initiatives, as well as setting and stewarding sound UAT Management methodologies. As a Product Manager in Home Lending, you will lead a team of automation engineers, partnering with product owners, supporting technology teams, and testing transformation to contribute to the strategic data automation planning and tactical build/execution of data testing across a diverse application suite. Lead, mentor, and inspire a team of data automation engineers and leads across multiple domains and source systems, fostering a culture of innovation and excellence. Design and develop high-volume, low-latency tools to support the testing of Home Lending applications. Own and guide the modernization of our automation framework, including the migration of legacy/local scripts to AWS, and enabling cloud-based test execution and monitoring. Build self-service automation insight reporting (in AWS or tools like Tableau) to provide visibility and business impact. Ensure seamless code integration into Home Lending Tech's CI/CD build and deploy pipelines. Define and document automation-focused test strategies for products and applications. Drive continuous improvement by exploring innovative solutions for design review and implementation. Implement ideas from concept through to execution, including root cause analysis. Manage timelines, dependencies, and resources while liaising with stakeholders and functional partners. Conduct market research and competitive analysis to identify opportunities for differentiation and innovation. Build and implement architectural designs that enhance testing processes. Required qualifications, capabilities, and skills: - Proven experience leading automation engineering teams. and experience migrating automation scripts to cloud platforms - Advanced expertise in designing and deploying scalable systems on AWS (AWS Cloud Practitioner Certification required). - Certified ScrumMaster (CSM) or equivalent Agile certification, demonstrating understanding of Agile methodologies. - Strong understanding of the Software Development Life Cycle, contributing to all phases. - Strong hands-on experience with databases (Oracle, MySQL, SQL Server) and proficiency in writing queries. - Strong hands-on experience with functional testing automation tools (Selenium, Java, Cucumber, Python) and test automation frameworks (Selenium, PyTest, Java, Python, PySpark, etc.). - Strong experience with data quality testing and working across multiple systems of record (Encompass, MFTS, Federated, etc.). - Deep understanding of customer needs and pain points, using insights to guide product development and prioritize high-value features. - Proficiency in data analytics to inform product decisions and improve user experience and business outcomes. - Strong collaboration skills with engineering, design, and business teams, effectively communicating product goals and progress to stakeholders. - Excellent organization and time management capabilities. Ability to coach and mentor team members with a mindset of curiosity, ownership, and accountability. Preferred qualifications, capabilities, and skills: - A passion for storytelling with data, and translating automation results into business insights. - Previous experience in user experience design and solution design - Proficient in Figma, JIRA, JIRA Align, Excel, PowerPoint, Process Mapping Tools. AWS experience preferred - Knowledge of cloud-native CI/CD workflows using tools such as Jenkins, AWS CodePipeline, or similar. - Proficiency in Jira, Confluence, and agile tools for tracking and collaboration. - Familiarity with data visualization tools (Tableau, Alteryx, QuickSight) is a plus. - Bachelor's Degree in Computer Science, Information Technology, or a related field.,

The Senior Underwriter (Residential) position requires you to relocate to Pune, Mumbai, or Bangalore and work from the office during US timings night shift (EST). As a Senior Underwriter, your primary responsibilities include reviewing and verifying loan applications, analysing loan risk, ensuring compliance with regulatory standards and company policies, and documenting loan conditions. You will also need to communicate loan decisions effectively and identify portfolio risks from client business practices. Additionally, you may be assigned other tasks by your manager. To excel in this role, you must have a deep understanding of mortgage guidelines for various types of loans such as VA, FHA, FNMA, FHLMC, and USDA. You should be adept at analysing income from tax documents, credit reports, and bank statements. Experience with automated underwriting systems (AUS) and manual underwriting methods is essential, along with knowledge of industry-standard loan origination systems like Encompass, BytePro, Calyx, Empower, or Lending QB. The ideal candidate should have at least 5 years of recent US mortgage underwriting experience and be well-versed in compliance review, disclosures preparation, and closing procedures in the residential mortgage industry. Knowledge of current mortgage policies, compliance laws, and regulations, including TRID, is crucial. Strong attention to detail, time management skills, and commitment to customer service are essential for success in this role. You should be proficient in Microsoft Office, possess strong communication skills, and be able to work independently under pressure while meeting deadlines. Maintaining a positive attitude, punctuality, dependability, and adherence to company policies and procedures are also key aspects of this position. This is a work-from-office role requiring you to work during US hours (India Night Shift).,

Role & responsibilities Position Overview Candidate should have total 3+ years of US mortgage underwriting experience Well versed with FNMA. FHLMC, knowledge of GNMA and investor guidelines is an additional benefit Should have good analytical and problem-solving skills Should have decision-making skill when applying in business judgment Evaluate complete loan documents and should provide approval or denial decision Complete review of credit report to verify trade lines, derogatory accounts, public records and credit reconciliation Thorough income calculation Salaried income, business income, retired other income and rental income Complete review of Collateral and property valuation Assets verification include borrowers bank account statement, retirement accounts, mutual funds and other investments. Credit analysis based on borrowers Income, Asset, Liability and Collateral (4C of Underwriting) to determine the credit worthiness of a customer Validating and processing the Loan documents on behalf a Mortgage lender organization. Evaluating evidence of borrower’s willingness and ability to repay the obligation Good communication, Presentation skills, Self-motivated and hard working About you: Minimum 3 years of Underwriting experience in US Mortgage. Sound knowledge of US Residential mortgage Exposure of Underwriting processes & guidelines. Excellent critical thinking, problem solving and sound judgment. Analysis and Calculation of qualifying income from Salaried various tax documents such as 1040s, Schedule E, 1065, 1120, 1120S, K1, transcripts, etc.

Manage all aspects of accounting processes related to US mortgage transactions Proficiency in QuickBooks,ADP software Expe with payroll processing,tax filings & reporting month-end closing procedures Maintain accurate records of employee compensation Required Candidate profile 8 to 10 years of experience US Mortgage industry experience is must Excellent English communication skills, both written and verbal

2+ years exp in US Mortgage Industry Strong Research/Search work, Optimal Blue/Encompass, Registers/locks loans with specific investors as new locks require Performs data entry &maintain data integrity Analyze & resolve associated operational issues Required Candidate profile Bachelor’s degree or higher with atleast 4 years experience within US Residential Mortgage Industry Excellent communication skills, both written and verbal, and must be able to work independently Perks and benefits US Shift Remote job 5 days working

4 years hands on exp into Closing/Funding operations Review executed loan documents for accuracy and completion, Verify all docs are executed in compliance with investor Verify,balance funding figures to wire final loan proceeds MS Office Encompass Required Candidate profile Bachelor’s degree or higher with atleast 4 years experience within US Residential Mortgage Industry Excellent communication skills, both written and verbal, and must be able to work independently Perks and benefits Remote Job 5 working days Internet Reimbursement

systems analysis to understand the business impact of proposed system changes, coding, build test script documents, administer test environment, release changes, and assist in reviewing system interfaces. Customizing fields Required Candidate profile 5+ years’ experience supporting Encompass loan origination system . 3 years’ experience in the US mortgage loan process, mortgage lending laws and regulations, mortgage compliance 3 years' JavaScript