A Modern Mortgage Lender
Quality Control Underwriter
Location
United States
Posted
3 days ago
Salary
0
Seniority
Mid Level
No structured requirement data.
Job Description
Quality Control Underwriter
Lendz Financial
Role Description Lendz Financial is seeking an experienced and detail-oriented Quality Control Underwriter to join our growing team. This role is designed for a mortgage professional with a strong underwriting foundation who can apply critical thinking, guideline interpretation, and risk analysis throughout the quality control process. Rather than performing checklist-based audits alone, this individual will serve as a key partner in maintaining loan quality, identifying trends, mitigating risk, and supporting operational excellence across the organization. The ideal candidate brings a deep understanding of mortgage underwriting—particularly within Non-QM lending—and can evaluate loan files with the mindset of an underwriter while ensuring compliance with investor, regulatory, and internal standards. This is a fully remote position within a collaborative, high-accountability environment that values ownership, continuous improvement, and professional growth. What You’ll Do - Conduct detailed pre-closing and post-closing quality control reviews of residential mortgage loan files - Evaluate borrower credit, income, assets, and collateral documentation with an underwriting-level understanding of risk assessment - Review complex Non-QM income scenarios, including Bank Statement programs, DSCR loans, Asset Utilization, 1099 income, and self-employed borrowers - Analyze loan documentation for accuracy, completeness, consistency, and adherence to company, investor, and regulatory guidelines - Identify discrepancies, documentation gaps, calculation errors, and compliance concerns, while determining overall materiality and loan-level risk - Provide thoughtful feedback and recommendations to Underwriting, Processing, and Operations teams to support loan quality and process improvement - Document audit findings clearly and professionally, including rationale for identified defects or required corrective actions - Partner cross-functionally with Underwriting, Sales, Account Management, Processing, and Closing teams to resolve file-level issues efficiently - Monitor loan quality trends and recurring defects, escalating concerns and recommending process enhancements where appropriate - Support internal and external audit initiatives, including regulatory reviews and third-party due diligence requests - Maintain detailed and accurate QC reporting and audit records - Stay current on Non-QM guideline updates, investor overlays, and federal and state regulatory requirements - Contribute to a collaborative team environment focused on accountability, operational excellence, and continuous improvement Qualifications - 3+ years of mortgage underwriting experience, preferably with exposure to Non-QM or alternative documentation loan products - Strong working knowledge of residential mortgage underwriting guidelines and risk assessment practices - Experience reviewing complex borrower income scenarios, including self-employed borrowers and alternative income documentation - Familiarity with Non-QM products such as Bank Statement programs, DSCR, Asset Utilization, and 1099 income - Strong understanding of mortgage compliance regulations, including TRID, RESPA, ECOA, ATR/QM, and applicable federal and state requirements - Ability to identify material loan-level risk and exercise sound judgment beyond checklist-based review processes - Excellent analytical, organizational, and problem-solving skills - Strong written and verbal communication skills, with the ability to clearly articulate findings and recommendations - Ability to manage multiple priorities and deadlines in a fast-paced environment - High level of accountability, professionalism, and attention to detail - Experience with mortgage loan origination systems and Microsoft Office Suite - Previous experience in quality control, auditing, underwriting, or post-closing review preferred - Mortgage-related certifications or designations are a plus Benefits - Highly subsidized medical insurance - Low-cost dental and vision insurance - 401(k) program - Health Savings Account (HSA) - Generous paid time off and company holidays - Ongoing training, mentorship, and professional development opportunities - A collaborative and supportive work environment that values ownership, innovation, and growth
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