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Lendz Financial logo
Lendz Financial

A Modern Mortgage Lender

Quality Control Underwriter

GeneralGeneralFull TimeRemoteSeniorTeam 11-50Since 2019H1B No SponsorCompany SiteLinkedIn

Location

United States

Posted

50 days ago

Salary

0

Seniority

Senior

Bachelor Degree3 yrs expEnglish

Job Description

Quality Control Underwriter

Lendz Financial

• 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

Job Requirements

  • 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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