Default Associate, Mortgage Assistance Quality Control
Location
United States
Posted
46 days ago
Salary
$31 - $41 / hour
Seniority
Mid Level
Job Description
Default Associate, Mortgage Assistance Quality Control
Valon Mortgage
About the Company Valon is transforming both mortgage servicing and consumer direct lending with a technology-first approach. Backed by Andreessen Horowitz (a16z) and managing over $130 billion in loans, we’ve built our platforms from the ground up—not on outdated legacy systems—so homeowners, lenders, and investors experience greater transparency, efficiency, and care. By unifying processes into a modern, AI-native operating system, we’re leading the way in automation, compliance, and continuous improvement across our servicing and lending businesses. Our mission is to empower every homeowner by making the mortgage experience simple, secure, and financially empowering. To achieve this, we bring together world-class engineers, servicing experts, lending professionals, and operations leaders who share a passion for improving the homeowner journey. We’re not only reshaping what servicing and lending look like today—we’re creating opportunities for talented people to help drive the future of the industry. As we continue to grow, Valon is expanding its footprint across multiple states, opening the door to exciting new roles and career paths. Joining Valon means becoming part of a fast-scaling company where innovation, collaboration, and customer impact go hand in hand. Mortgage is just the beginning—we’re building the future of regulated finance, and we want you to be part of it. Default Servicing at Valon The Default Servicing team oversees all aspects of default-related processes, working to resolve mortgage loans that have entered default. This function is critical to both Valon and the broader mortgage ecosystem, as it plays a key role in preventing foreclosures and minimizing losses for investors. The team is deeply committed to promoting homeowner transparency and financial literacy, which are central to its people, processes, and products. Through these efforts, Default Servicing strives to support homeowners facing financial hardship and provide meaningful pathways to help them sustain homeownership. About the Role The Mortgage Assistance QC Specialist is responsible for reviewing the accuracy and compliance of loss mitigation applications, financial calculations, and workout documentation. This role serves as a critical check before documents are sent to borrowers (Pre-Execution) and after executed packages are returned (Post-Execution). Responsibilities - Audit & Compliance Review: Perform comprehensive quality control reviews on loss mitigation files on approvals and denials, to ensure adherence to CFPB, FHA, VA, USDA, FNMA, and FHLMC guidelines and internal policy/procedures. Assist with internal and external audits. - Data Validation: Verify the accuracy of financial information, income calculations, expenses, debt-to-income (DTI) ratios, and loan terms compared to internal systems of record. - Eligibility Validation: Confirm eligibility and validity of the workout offered against quality control checklists. - Review and verify previous partial claims, modification terms, and timelines. - Defect Tracking: Identify and document inconsistencies or non-compliance issues, escalating material defects to management as required. - Documentation: Ensure complete and accurate documentation of the evaluation within the servicing system, and all supporting documentation is present. - Reporting: Prepare monthly reports summarizing QC audit findings, identifying trending errors, and recommending process improvements. - Stakeholder Communication: Collaborate with processors, underwriters, and external vendors to resolve identified errors and ensure timely corrective action. - Continuous Improvement: Provide feedback related to QC findings, trends, and training opportunities to improve business performance through the establishment of regular meetings. - Actively participate in QC activities and projects designed to improve business performance. - Stay current on changes in industry regulations and recommend updates to internal policies, procedures, and systems based on new/changed requirements. - Task and Pipeline Management: Provide accurate and complete information to resolve issues and follow up on any outstanding commitments, keeping to SLAs. - Ensure tasks assigned are completed within SLA. - Perform other duties as assigned. Minimum Qualifications - Experience: 3–5 years of experience in mortgage loss mitigation, underwriting, or quality control. - Regulatory Knowledge: Deep understanding of mortgage regulations, including RESPA, TILA, ECOA, and HMDA. - Deep understanding of Federal, State, Regulatory, and Investor Guidelines - Technical Skills: Proficiency in mortgage servicing systems and Microsoft Office Suite, particularly Excel. - Analytical Thinking: Ability to interpret complex financial documents and apply varying investor program requirements. - Attention to Detail: Extreme precision in reviewing loan files to identify minor but critical errors. - Organizational Skills: Capable of managing a high-volume pipeline and meeting strict regulatory deadlines in a fast-paced environment. - Minimum education requirement: High school diploma or GED equivalent required Benefits - Compensation: competitive salary and 401 (k) plan - Health & well-being: we’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits - Food & meals: in-office snacks and drinks, and Bagel Fridays - Commuter benefits: We offer pre-tax deductions for public transportation, rideshare services, and parking expenses to make your commute more affordable and convenient. - Grow together: Company-wide orientation for you to successfully onboard and other learning & development opportunities, including regular review cycles that feature 360-degree feedback - Generous time off: 17 days paid time off, sick days, and 11 company holidays - Baby bonding time!: 12 weeks off for both birthing and non-birthing parents - fully paid, so you can focus your energy on your newest addition Throughout the interview process, please remember that emails will only be from valon.com email addresses. We will never ask for any personally identifiable information during the interview process itself. Please reach out to talent@valon.com if you have any requests to verify the authenticity of an outreach. Valon is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. Valon makes hiring decisions based solely on qualifications, merit, and business needs at the time.
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