Quality Analyst - UK Mortgage - BPO

Description:

Job Title: Quality Analyst - UK Mortgage

Location: Pune, Hinjewadi

Experience: 4 to 8 Years (Minimum 2 years as a QA in US/UK Mortgage domain)

Industry: BPO / Financial Services

Process: UK Mortgage Underwriting

Role Overview:

We are seeking a detail-oriented and experienced Quality Analyst to oversee and enhance quality in the UK mortgage process.

The ideal candidate will have a deep understanding of mortgage lifecycle, credit risk, income assessment, and appraisal analysis, with a strong focus on ensuring accuracy, compliance, and operational excellence through structured audits.

Key Responsibilities:

- Perform quality audits on mortgage underwriting files to ensure adherence to client and investor guidelines (Fannie Mae, Freddie Mac, FHA, VA, etc.)

- Validate credit, income, assets, liabilities, and collateral documentation for completeness and accuracy

- Track and analyze error trends, identify root causes, and recommend corrective actions

- Collaborate with underwriters, processors, and leadership teams to ensure high-quality delivery

- Drive calibration sessions with operations and client-side QA teams

- Prepare audit reports, dashboards, and performance summaries

- Support training teams with insights to improve quality and reduce defects

- Ensure compliance with US mortgage regulations and internal policies

Required Skills & Qualifications:

- 4 to 8 years of overall BPO experience with at least 2 years as a QA in UK Mortgage

- Strong knowledge of underwriting standards (FHA, VA, Fannie Mae, Freddie Mac)

- Familiarity with mortgage documents 1003, 1008, credit report, W2s, pay stubs, tax returns, appraisal, title, etc.

- Proficient in MS Excel, audit tools, and reporting

- Excellent written and verbal communication skills

- Strong attention to detail, analytical thinking, and problem-solving ability

- Exposure to compliance and risk assessment in mortgage domain