7 Freddie Mac Jobs

Job Title: Quality Manager US Mortgage Process About the Role: We are seeking an experienced Quality Manager to oversee quality assurance and compliance within US mortgage servicing, with a focus on Scratch & Dent (S&D), Qualified Mortgage (QM) / Ability-to-Repay (ATR) regulatory compliance, foreclosure, bankruptcy, loss mitigation, loan modification, and title . The ideal candidate will ensure adherence to regulatory guidelines, investor requirements, and company policies while improving the overall loan quality review process. Post Quality Manager US Mortgage - Work from Office Location – Bangalore / Pune Job Shift – Night Shift (7 Pm to 5 Am) – 5 Days Working US Mortgage Experience is Mandatory Key Responsibilities: Lead the quality control review process for Scratch & Dent mortgage loans to assess underwriting errors, compliance issues, and investor eligibility. Conduct QM/ATR compliance reviews to validate adherence to CFPB regulations, ensuring loan origination and underwriting meet federal and state requirements. Perform comprehensive foreclosure, bankruptcy, loss mitigation, and loan modification reviews to ensure compliance with investor guidelines and regulatory requirements. Conduct title reviews to identify title defects, liens, encumbrances, and ownership issues, ensuring clear and marketable title. Evaluate loans for compliance fails, including HPML (Higher-Priced Mortgage Loans), High-Cost loans, TRID tolerance violations, TILA (Truth in Lending Act) discrepancies , finance charge miscalculations, state regulation failures, and point and fee errors. Develop and implement quality control procedures, policies, checklists, and reporting to enhance the mortgage servicing review process. Collaborate with underwriting, risk, legal, compliance, and audit teams to identify risk trends and develop training and corrective action plans. Ensure adherence to investor guidelines (e.g., Fannie Mae, Freddie Mac, FHA, VA, private investors) in Scratch & Dent loan assessments. Perform root cause analysis of defects , recommend solutions, and drive process improvements. Provide training and guidance to quality control analysts and servicing teams to improve loan quality and compliance awareness. Monitor regulatory changes in mortgage servicing, QM, ATR, foreclosure, bankruptcy, loss mitigation, modification, title review, compliance fails, and secondary market guidelines, ensuring policies and procedures remain up to date. Report findings and key performance indicators (KPIs) to senior management and stakeholders. Requirements: 5+ years of experience in mortgage quality control, underwriting, compliance, or risk management within US mortgage servicing . Deep knowledge of Scratch & Dent loan review, QM/ATR regulations, foreclosure, bankruptcy, loss mitigation, modification, title review, and CFPB mortgage servicing guidelines. Strong knowledge of title review processes, title defects, and resolution strategies. Expertise in identifying and resolving compliance fails, including HPML, High-Cost loans, TRID tolerance, TILA, finance charges, state regulation fails, and point and fee miscalculations. Familiarity with GSE (Fannie Mae, Freddie Mac), FHA, VA, USDA, and non-QM mortgage products. Strong understanding of loan origination systems (LOS), servicing platforms, and QC tools.

Roles and Responsibility Analyze and verify loan applications, including income verification, employment verification, asset verification, and credit history. Evaluate financial risk factors and determine loan eligibility based on established criteria. Order and review appraisals, title reports, and other loan documentation. Ensure compliance with all federal, state, and investor loan guidelines. Communicate effectively with Loan Officers, Processors, borrowers, and other parties involved in the loan process. Prepare comprehensive reports with clear justifications for approval or denial of loan applications. Stay up-to-date on changes in mortgage lending regulations and industry standards. Bachelor's degree in Finance, Accounting, Business Administration, or a related field (preferred). Minimum of 3-5 years of experience in mortgage underwriting or a similar financial analysis role. Strong analytical and problem-solving skills with a keen eye for detail. Proven ability to multi-task, prioritize, and meet deadlines in a fast-paced environment. Excellent communication and interpersonal skills with the ability to clearly explain complex financial concepts. Proficiency in mortgage lending software and underwriting tools (Fannie Mae/Freddie Mac guidelines a plus).

The Lead Underwriter position involves working on loan underwriting to meet daily targets or assignments. The ideal candidate should possess experience in US Mortgage Underwriting and be familiar with the 4 Cs - Credit, Capacity, Capital, and Collateral. Additionally, knowledge of Income Calculations, Credit review, Assets/Capital review with guideline requirements, LTV, CLTV calculations, PITI, DTI calculations, Fannie Mae, Freddie Mac guideline requirements, Govt. loans (FHA, VA, USDA), and FHA/VA/USDA guideline requirements is required. The successful candidate should also have good communication skills. The educational requirement is any degree with US Mortgage Underwriting experience. The work schedule includes night shifts and hybrid work, with the flexibility to work from the office based on business requirements.,

As an experienced Residential Mortgage Underwriter, you will demonstrate a robust understanding of Fannie Mae, Freddie Mac, FHA, and VA guidelines. Your primary responsibility will be to meticulously analyze and assess residential loan applications, guaranteeing their alignment with investor and regulatory standards. Your proficiency in risk evaluation, attention to detail, and capacity to render prudent credit judgments in a dynamic setting will be crucial in this role. Your key responsibilities will include reviewing and underwriting residential mortgage loan files, ensuring adherence to agency and investor guidelines, scrutinizing credit, income, asset, and collateral documentation, making precise and prompt underwriting determinations, and effectively communicating these decisions to pertinent teams. To excel in this role, you must possess a minimum of 3 years of live US mortgage underwriting experience, exhibit proficiency with Automated Underwriting Systems (AUS) such as Desktop Underwriter (DU) and Loan Prospector (LP), and have a comprehensive understanding of FNMA, FHLMC, FHA, and VA guidelines. Join us in this opportunity to leverage your expertise and contribute significantly to our residential mortgage underwriting operations.,

Role & responsibilities Analyze and deliver assigned deals/tasks within committed timelines Update required trackers with latest status/updates Responsible for value add deliverables across different process within loan life cycle Identify ways for improvement in efficiency gains and process improvement Responsible for adherence to client SLAs and Policies Perform ad-hoc tasks with detailed understanding on client requirement within stipulated timelines Responsible for on-time identification and escalation of risks and mitigants Preferred candidate profile Knowledge of U.S. Commercial Real Estate (CRE) industry across all property types primarily Multifamily and Healthcare. Knowledge of Office, Retail, Industrial, Lodging is added advantage Knowledge of Property Operating Statements and Rent Roll analysis Experience in analyzing CRE loan originations, analyzing third-party reports (appraisal, environmental, and engineering) and preparation of Asset Summary Report Experience in underwriting commercial properties by analyzing financial, leases and rent roll Experience in end to end CRE Portfolio Monitoring activity on behalf of Commercial Banks Ability to perform complex tasks with minimal support from supervisor Ability to inculcate the habit of self-learning and sharing best practices Should be good in Excel functions (mandatory), not VBA The candidate should possess understanding of various data sources like REIS, CoStar

Hi, Greetings from Adecco ! We are hiring for Pre purchase Reviewer -US Mortgage Mode of work:-Remote Mode of work:- Work from Home Mode of Interview:- Walk in / F2F Interview at Pune Location Date of Interview:- 30th May & 31st May & 1st June at Pune Location Job Role & responsibilities:- The role of the Pre-Purchase Reviewer is to review the closed loan file documents and ensure that the loan closed according to the approval, meets all federal, state, local and investor requirements and that the data in the LOS matches the data in the mortgage loan documents. The position requires a thorough understanding and familiarity of both credit, income, assets and closing documents to complete the applicable review questions in the questionnaire and provide results to Client. Review and analyse the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. Perform review of income documents in the LOS and update the applicable details in the cash flow analysis questionnaire and provide results to the client and review the loan documents and complete the applicable review questions in the questionnaire and provide results to Client. Review the loan documents using the Pre-Purchase Review checklist for completeness and accuracy. Review all loan types including Conventional, FHA (Federal Housing Administration), VA (Veterans Affairs) & USDA (U.S. Department of Agriculture) Add suspense conditions in a clear concise manner in LOS for any deficiencies noted as part of the above review. Key Skills , Qualification & experience required:- 2 -5 years of experience in Pre Purchase review Basic Degree completion with Experience in Mortgage Origination Knowledge of Loan Origination Cycle- Loan Application, Origination, Due Diligence, Pre-Purchase Review or Underwriting process Expertise in Origination, Due Diligence, Pre-Purchase Review or Underwriting process. Knowledge of different types of mortgages and its functioning and ability to read various documents involved in Closing, Funding and Underwriting Excellent knowledge on ATR/QM, RESPA, TRID and mortgage compliance regulations Should aware of Fannie Mae, Freddie Mac, FHA and VA guidelines Strong knowledge of ATR/QM (Ability-to-repay/Qualified Mortgage), RESPA (Real Estate Settlement Procedures Act), TRID (TILA-RESPA Integrated Disclosures) and mortgage compliance regulations General knowledge of Fannie Mae, Freddie Mac, FHA and VA guidelines a plus Good communication skills (Written and Verbal) are required to understand and communicate with the vendors/clients Strong Customer Service Skills, Detail Oriented with good analytical skills and have the ability to make decisions based on the situation Good email etiquette and listening skills Ability to analyze the numbers and reconcile the data if required as per the clients Requirements. • Experience with reporting and analysis Ability to handle and accomplish multiple tasks and resolve it and must be a team player Experience working in a team-oriented, collaborative environment Should be able to effectively use a computer Should be flexible working in night shifts Open to working extended periods/weekends when necessary Computer Skills - comfortable with MS office Good written and oral communications skills in English Only Immediate Joiners will be preferred Please apply only those Candidate's who are available to attend F2F interview in Chennai Location Interested candidate can share their CV at Lokeshi.vijay@adecco.com

Job Overview: The role of the Pre-Purchase Reviewer is to review the closed loan file documents and ensure that the loan closed according to the approval, meets all federal, state, local and investor requirements and that the data in the LOS matches the data in the mortgage loan documents. The position requires a thorough understanding and familiarity of both credit, income, assets and closing documents to complete the applicable review questions in the questionnaire and provide results to Client Job Roles and Responsibilities: Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. Knowledge of Loan Origination Cycle- Loan Application, Origination, Due Diligence, Pre-Purchase Review or Underwriting process Knowledge of different types of mortgages and its functioning and ability to review various documents involved in Closing, Funding and Underwriting Review the loan documents using the Pre-Purchase Review checklist for completeness and accuracy Strong knowledge of ATR/QM, RESPA, TRID and mortgage compliance regulations Review of Conventional, FHA, VA & USDA loan types General knowledge of Fannie Mae, Freddie Mac, FHA and VA guidelines Add suspense conditions in a clear concise manner in LOS for any deficiencies noted as part of the above review Strong Customer Service Skills, Detail Oriented with good analytical skills and the ability to make decisions based on the situation. Contact Details-amith.anbalagan2@gomoder.com/8248444597