Process Associate

JOB DESCRIPTION 

US Mortgage Appraisal Review & Quality Assurance 

Company: DJRB Services Pvt. Ltd. (DJRB) 

Location: India Head Office – DJRB Services Pvt. Ltd. 

Total Vacancies: 30 

Experience: 0–4 Years 

Employment Type: Full-Time 

Shift: Rotational Shifts aligned with US business hours 

About DJRB Services Pvt. Ltd. 

DJRB Services Pvt. Ltd. (DJRB) is our India Head Office, serving as a strategic operational and delivery hub supporting US-based mortgage appraisal, quality assurance, and vendor management operations. 

DJRB works closely with US-based clients, mortgage lenders, Appraisal Management Companies (AMCs), appraisers, and other industry stakeholders to deliver accurate, reliable, and compliant mortgage appraisal services. 

We specialize in US mortgage appraisal operations, with established expertise in the existing Uniform Appraisal Dataset (UAD) 2.6 framework and a strong focus on the industry's transition towards UAD 3.6. 

Our operations combine industry knowledge, technology-driven workflows, and quality assurance practices to support evolving Fannie Mae and Freddie Mac requirements. 

As the US mortgage appraisal industry undergoes significant transformation, DJRB is continuously expanding its operational capabilities, technology, and workforce to support both existing appraisal workflows and next-generation UAD 3.6 reporting standards. 

Joining DJRB provides an opportunity to work with international stakeholders, gain specialized US mortgage industry knowledge, and contribute to the evolving mortgage appraisal operations landscape. 

Role Overview 

We are seeking dedicated and detail-oriented professionals to join our growing team and support US residential mortgage appraisal review, quality assurance, and AMC vendor management operations. 

The ideal candidates should have an understanding of conventional, VA, and FHA guidelines and be proficient in reviewing mortgage files and related appraisal documents. 

The role involves reviewing appraisal reports, identifying discrepancies, conducting quality checks, validating documentation, and ensuring compliance with applicable lender, investor, and regulatory requirements. 

Candidates will have the opportunity to work across both UAD 2.6 and UAD 3.6 appraisal reporting frameworks while coordinating with US-based clients, appraisers, AMCs, and internal operational teams. 

Roles & Responsibilities 

1. File Review & Analysis 

• Review US residential mortgage files and appraisal orders for completeness, accuracy, and compliance. 
• Validate documentation against conventional, FHA, and VA requirements. 
• Identify missing information, inconsistencies, and potential compliance issues. 
• Ensure all appraisal-related documents meet lender and investor requirements. 

2. Document Expertise & Appraisal Review 

• Review mortgage appraisal reports, including Forms 1004, 1025, 1073, and 1004D. 
• Verify property details, comparable sales, adjustments, market analysis, and supporting documentation. 
• Review appraisal reports for accuracy and compliance with applicable UAD requirements. 
• Identify discrepancies and coordinate necessary corrections with appraisers and AMCs. 
• Ensure appraisal reports meet applicable Fannie Mae and Freddie Mac standards. 

3. UAD 2.6 & UAD 3.6 Appraisal Operations 

• Work with appraisal reports prepared under the existing UAD 2.6 framework. 
• Develop knowledge and expertise in the modernized UAD 3.6 reporting framework. 
• Understand the transition from legacy appraisal forms to the redesigned standardized reporting structure. 
• Review appraisal data, property characteristics, and reporting fields for accuracy and completeness. 
• Identify data inconsistencies, validation errors, and reporting discrepancies. 
• Support quality assurance processes and operational readiness for UAD 3.6 adoption. 
• Stay updated on evolving Fannie Mae and Freddie Mac appraisal reporting requirements. 

4. Quality Assurance & SSR Review 

• Conduct quality checks to validate processed appraisal orders before final submission. 
• Perform Submission Summary Report (SSR) reviews to identify and resolve issues. 
• Validate appraisal data against applicable lender and investor requirements. 
• Ensure identified discrepancies are documented and resolved within defined turnaround times. 

5. AMC & Vendor Management 

• Coordinate with Appraisal Management Companies (AMCs) to ensure timely and accurate service delivery. 
• Monitor vendor performance, turnaround times, quality metrics, and service-level agreements. 
• Follow up on pending appraisal orders, revisions, and outstanding discrepancies. 
• Maintain strong professional relationships with AMCs and external service providers. 

6. Communication & Stakeholder Coordination 

• Communicate with appraisers through emails and calls to resolve appraisal-related queries. 
• Follow up with lenders, appraisers, AMCs, and other stakeholders regarding pending orders and revisions. 
• Maintain clear documentation of communications and issue-resolution activities. 
• Coordinate with US-based stakeholders and DJRB's India operations team to ensure smooth workflow execution. 

7. Reporting & Process Improvement 

• Prepare daily, weekly, and monthly operational and quality reports. 
• Track productivity, accuracy, turnaround time, and quality performance. 
• Identify recurring issues and recommend process improvements. 
• Collaborate with team members to improve operational efficiency and service quality. 

8. Continuous Learning 

• Stay updated on US mortgage appraisal standards, industry guidelines, and regulatory changes. 
• Develop knowledge of conventional, FHA, VA, UAD 2.6, and UAD 3.6 requirements. 
• Participate in internal training programs, knowledge-sharing sessions, and professional development initiatives. 

Candidate Requirements 

Experience 

• 0–4 years of experience in US residential or commercial mortgage processing, appraisal review, mortgage quality assurance, or related operations. 
• Freshers with a strong interest in the US mortgage and real estate appraisal industry are encouraged to apply. 
• Candidates with prior experience in appraisal review, mortgage underwriting support, quality control, or AMC coordination will have an advantage. 

Technical Knowledge 

• Basic understanding of US residential mortgage processes. 
• Familiarity with appraisal forms such as 1004, 1025, 1073, and 1004D is preferred. 
• Knowledge of conventional, FHA, and VA guidelines is an advantage. 
• Understanding of UAD 2.6, UAD 3.6, SSR, Fannie Mae, and Freddie Mac requirements is desirable. 
• Proficiency in MS Excel, Word, Outlook, and other standard office applications. 

Skills & Competencies 

• Strong analytical and problem-solving skills. 
• Excellent attention to detail and accuracy. 
• Good written and verbal communication skills. 
• Ability to manage multiple tasks and meet deadlines. 
• Strong follow-up, coordination, and documentation skills. 
• Willingness to learn and adapt to evolving business requirements. 
• Ability to work rotational shifts aligned with US business hours. 

What We Offer 

• Opportunity to work with US-based mortgage and real estate industry stakeholders. 
• Exposure to both UAD 2.6 and next-generation UAD 3.6 appraisal reporting. 
• Structured training and onboarding for freshers. 
• Opportunity to develop specialized expertise in US mortgage appraisal operations. 
• Professional growth and career advancement opportunities. 
• A collaborative and professional working environment at DJRB's India Head Office. 
• Exposure to international business operations and technology-driven appraisal workflows. 

Why Join DJRB? 

Be part of a growing organization supporting the evolving US mortgage appraisal industry. 

At DJRB, you will gain exposure to established UAD 2.6 appraisal operations while developing expertise in UAD 3.6 transition and implementation. 

Whether you are an experienced mortgage professional or a fresher looking to begin your career, DJRB offers an opportunity to develop specialized skills, work with international stakeholders, and build a long-term career in US mortgage operations. 

Total Open Positions: 30 

Interested candidates are invited to submit their updated resumes to our recruitment team.