Job Description

Infinixq India BPM Pvt. Ltd. is looking for an experienced U.S. Mortgage professional to join our team as a Senior Mortgage Closer / Closing SME Lead.

This role requires deep technical expertise and hands-on experience across the Closing and Funding lifecycle, with a strong focus on managing complex loan files, resolving issues, supporting the team, and driving operational excellence.

Key Responsibilities

Manage complex mortgage files from Clear to Close through Funding, ensuring all closing conditions, fees, documents, and funding requirements are accurate and complete
Analyze and resolve closing and funding issues, including Mavent/compliance findings, document discrepancies, and balancing issues
Review and resolve Mavent fails to ensure compliant loans are closed
Ensure Closing Disclosures (CDs) are balanced accurately and on time
Help eliminate cures by ensuring regulatory requirements are met
Maintain and support Closing & Funding SOPs, procedures, and quality controls
Monitor and manage SLAs, identify root causes of missed targets, and support corrective action and improvement plans
Support the creation of job aids, decision guides, checklists, and training materials
Provide guidance on state-specific closing requirements, investor guideline updates, and common defect resolution
Partner with Underwriting, Processing, Disclosures, Post Closing, Title, Secondary, and management to resolve cross-functional issues
Support operational initiatives and continuous process improvement
Work across both Retail and Wholesale mortgage channels

Experience & Technical Requirements

8–10 years of progressive U.S. Mortgage Operations experience, with significant hands-on Closing and Funding experience
At least 2–3 years of hands-on Encompass experience, including loan data, milestones, workflows, and documents
Strong knowledge of the complete mortgage closing lifecycle, including CTC, disclosures, CD requirements, fee calculations, tolerances, document preparation, balancing, signing, and funding
Recent hands-on Closing/Funding experience within the last 12–24 months
Experience personally handling complex loan files
Strong knowledge of Fannie Mae, Freddie Mac, FHA, VA, USDA, and Non-QM requirements
Experience closing and funding Conventional, FHA, VA, USDA, Bond, Jumbo, Construction, and Non-QM loans
Strong technical knowledge of title, vesting, insurance, escrow/impounds, payoffs, prorations, seller concessions, security instruments, and recording requirements
Experience working with U.S. leadership and stakeholders
Strong communication, problem-solving, and mentoring skills
Comfortable working U.S. shift hours
Candidates should be comfortable completing a practical Closing/Funding scenario assessment