Senior Mortgage Risk Analyst

Quality Control Analyst performing audits on US residential mortgage loans at EY. Ensuring accuracy and compliance with internal policies and regulatory requirements in mortgage underwriting.

Posted 7/24/2026full-timeBengaluru • 🇮🇳 IndiaSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in Quality Control reviews of residential mortgage loans, ensuring compliance with investor and regulatory requirements while effectively communicating findings and recommendations. Proficient in analyzing loan files, validating underwriting calculations, and utilizing advanced reporting tools to support continuous improvement initiatives.

Highest-signal resume keywords

Quality Control ReviewUnderwriting ValidationRegulatory ComplianceAnalytical SkillsAdvanced Excel

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Loan File ReviewUnderwriting CalculationsFOIR/DTI ValidationLTV/CLTV ValidationIncome CalculationBorrower Eligibility AssessmentCollateral Document ValidationRoot Cause AnalysisDefect ClassificationCredit Assessment Reconciliation

Soft Skills

Strong Communication

Tools & Technologies

Power BISQL

Certifications & Qualifications

MBACA

Industry Keywords

Fannie MaeFreddie MacFHAVA GuidelinesCredit Policies

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Perform pre-funding and post-funding Quality Control (QC) reviews of residential mortgage loan files to ensure accuracy, completeness, and policy compliance
Independently validate key underwriting calculations, including FOIR/DTI, LTV/CLTV, income calculations, and borrower eligibility criteria
Review borrower documentation such as income proofs, employment verification, bank statements, tax returns, and credit bureau reports to assess consistency and accuracy
Validate collateral-related documents including property appraisals, title reports, insurance, and legal documentation for compliance with lending guidelines
Assess adherence to investor and regulatory requirements (e.g., Fannie Mae, Freddie Mac, FHA, VA guidelines) and internal credit policies
Identify, document, and classify QC findings (defects) based on severity levels; perform root cause analysis and highlight control gaps
Reconcile underwriting decisions by re-performing key credit assessments and highlighting discrepancies in credit approval decisions
Track and report defect trends, recurring issues, and process gaps across reviewed files to support continuous improvement initiatives
Prepare QC reporting outputs including detailed review summaries, dashboards, and management reports for stakeholders
Collaborate with underwriting, operations, credit policy, and compliance teams to discuss findings and support remediation actions
Participate in calibration exercises and quality assurance processes to ensure consistency in QC review standards and defect grading

Requirements

What you’ll need

MBA/CA or equivalent with 3–8 years of experience in mortgage QC, underwriting, or retail credit roles.
Strong analytical skills with experience in loan file review and underwriting validation
Advanced Excel skills; exposure to reporting tools such as Power BI or SQL is an added advantage
Strong communication skills with ability to clearly articulate QC findings and recommendations

Benefits

Comp & perks

Competitive salary
Professional development budget
Global team events