Mortgage Quality Control Specialist

Job Duties and Responsibilities:

• Responsible for Quality Control of the following areas: pre-funding, post-closing, servicing, and EPDs.
• Audit loan files for accuracy, completeness, and compliance with investor, federal, and company guidelines. Identify loan-level risks and report findings to improve the process and reduce lender liability.
• Autonomous review of loan-level documentation, such as appraisal, income, assets, and verifications. Ensure adherence to policies, guidelines, and regulations.
• Identify and investigate potential red flags, including fraud or compliance risks and discrepancies.
• Conduct QC-related vendor reviews, per Agency requirements.
• Review adverse disposition requests to ensure files met HMDA requirements, fair lending requirements, and denial notification requirements.
• Remain current on all FHA, VA, Fannie Mae, Freddie Mac, investor, and state and federal guidelines and regulations.

Qualifications:

• 3+ Years of background in residential mortgage underwriting or mortgage QC experience.
• Detail- oriented with strong analytical and problem-solving abilities.
• Ability to work with a high degree of accuracy in a fast-paced work environment.
• Excellent written and verbal skills for reporting and team collaboration.
• Proficiency with Encompass loan origination system and QC software.
• Strong understanding of mortgage origination, mortgage regulations and Agency and investor guidelines.