About this role
Senior Quality Control Underwriter / QC Auditor (REMOTE)
Join a Team Where Your Expertise Matters
Are you an experienced mortgage underwriter who takes pride in accuracy, risk assessment, and regulatory compliance? We're looking for a highly skilled Quality Control Underwriter / QC Auditor to play a critical role in maintaining the integrity of our client's mortgage origination process.
In this position, you'll leverage your underwriting expertise to review and analyze mortgage loan files, identify risk trends, ensure compliance with agency and investor guidelines, and help drive operational excellence. If you enjoy applying your underwriting knowledge beyond production and want to influence loan quality on a broader scale, we'd love to speak with you.
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What You'll Do
As a Quality Control Underwriter, you will:
- Perform comprehensive post-closing and pre-funding reviews of mortgage loan files to ensure compliance with:
FNMA, Freddie Mac, FHA, VA, USDA, and Non-QM guidelines
- Federal and state regulatory requirements
- Investor and client-specific underwriting standards
- Identify underwriting, documentation, compliance, and fraud-related deficiencies.
- Prepare detailed and professional audit reports that clearly articulate findings, risk levels, and recommendations.
- Analyze loan quality trends and provide insight to support continuous process improvement.
- Partner with leadership and audit management to achieve departmental goals and quality objectives.
- Manage an assigned pipeline of loan reviews while consistently meeting productivity and quality expectations.
- Maintain accurate production reporting and communicate audit results effectively.
- Stay current on evolving agency, investor, and regulatory requirements impacting mortgage originations.
- Contribute to special projects and process improvement initiatives as needed.
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What Makes You Successful
- Strong analytical and critical-thinking skills.
- Exceptional attention to detail and loan-level accuracy.
- Ability to identify risk, guideline exceptions, and compliance concerns.
- Excellent written communication skills with the ability to clearly document findings.
- Strong time management and pipeline management capabilities.
- Coachable, collaborative, and receptive to feedback.
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Qualifications
Required Experience
- 10+ years of residential mortgage underwriting experience.
- Extensive experience underwriting conventional, FHA, VA, USDA, Jumbo, and/or Non-QM loans.
- Deep knowledge of:
FNMA and Freddie Mac guidelines
- FHA, VA, and USDA requirements
- Non-conforming and investor-specific underwriting standards
- Previous experience in Mortgage Quality Control, Risk Management, Audit, or Post-Closing Review preferred.
- Demonstrated expertise in mortgage fraud detection and prevention.
- Strong understanding of regulatory and compliance requirements, including:
RESPA
- TILA
- Regulation B
- Fair Lending
- Dodd-Frank
- AML/BSA
- Other applicable federal and state lending regulations
Technical Skills
- Proficiency with Microsoft Office Suite, particularly Excel and Word.
- Experience working with LOS, underwriting, and quality control platforms.
- Ability to efficiently manage a high-volume review pipeline while maintaining exceptional quality standards.
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Why Consider This Opportunity?
- Utilize your underwriting expertise in a high-impact quality and risk-focused role.
- Be part of a collaborative team that values accuracy, compliance, and continuous improvement.
- Work in an environment where your insights directly influence loan quality and operational success.
- Opportunity to broaden your expertise across agency, investor, compliance, and fraud prevention disciplines.
- Competitive compensation and long-term career growth potential within the mortgage industry.