Role Description Under general supervision of the VP of Quality Control, the Quality Control Analyst holds a multi-faceted position within the company that works directly with production departments while reporting audit results to Senior Management. This allows the company an opportunity to examine and adjust policies and procedures, measure performance, and ensure the standards and compliance requirements of government agencies, regulators, and investors are met. This position requires extensive experience in detection and prevention of loan fraud. - Perform in-depth audit on selected assigned loans to ensure that all documentation supporting the information used in the loan decision and origination is contained in the file and is accurate, complete, and in compliance with all pertinent laws and regulations. - Re-verification documents and independently review results for accuracy of loan origination documentation; identify deficiencies and potentially fraudulent activities. - Identify deficiencies by types (e.g., regulation, underwriting and/or eligibility) and dimension of risk; recommend corrective actions. - Re-verify information provided including but not limited to employment, income, down payment deposit, residency, etc. - Maintain accurate records of findings; assist with monitoring of remediation to ensure resolution and compliance. - Ensure all loans are underwritten in accordance with all required Investor and agency guidelines such as FNMA, FHLMC, HUD, VA, USDA, and Jumbo. - Maintain knowledge of underwriting guidelines, AUS (DU, LP and Manual) requirements, GEM overlays, GEM policy and procedures. - Data integrity reviews. - Assist in the completion of projects that may originate from departments outside of Quality Control. - Audit a minimum of 5 loans a day. - Continuous education via webinars and other training. Qualifications - Minimum of 3+ years’ experience in residential mortgage lending focused in quality control, underwriting or processor capacity dealing with Conventional (FHLMC, FNMA), Gov’t loans (FHA, VA, USDA). - Thorough understanding of residential loan programs, credit reports, personal and business financials, and a demonstrated ability to perform calculations to conduct financial projections and estimates. - Knowledge of Compliance regulations (TRID), Real Estate Residential Lending, and Audit concepts and practices. - Working knowledge of investor guidelines such as FNMA, FHLMC, FHA, VA, and USDA. - Ability to analyze risk as it relates to investment quality loans, critical thinking with short yet comprehensive write-ups. - Ability to review audit documentation, perform analysis, validate, and document potential risk to determine course of appropriate corrective action and/or make recommendations of such action. - Excellent written and oral communication skills with the ability to rate and categorize risk ratings in a clear and concise manner. Requirements - This is a non-exempt, hourly position. The pay range for this role is $20.00 to $31.00 per hour, depending on experience and qualifications. Overtime is paid in accordance with California state and federal labor laws. Additional compensation, such as bonuses or incentive pay, may be available based on performance and business needs. - This position is classified as at-will employment in accordance with California law. Employment may be terminated by either the employer or employee at any time, with or without cause or notice, subject to applicable law. - This position is fully remote. Employees may perform all job duties from a location outside of their main office or branch location, subject to reliable internet access and compliance with company policies. Equal Opportunity Employer Golden Empire Mortgage is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate on the basis of race, color, religion, sex (including pregnancy, childbirth, or related medical conditions), gender, gender identity or expression, sexual orientation, marital status, national origin, ancestry, age, physical or mental disability, medical condition, genetic information, military or veteran status, or any other characteristic protected under federal, state, or local law. Reasonable Accommodations Golden Empire Mortgage is committed to providing reasonable accommodation for qualified individuals with disabilities during the application or recruitment process. If you need assistance or accommodation, please contact us at HR@gemcorp.com. California Consumer Privacy Notice Golden Empire Mortgage may collect personal information from job applicants for purposes related to employment consideration. We are committed to handling your information in compliance with the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA). To learn more about how we collect, use, and protect your information, please review our Privacy Policy here .

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