Compliance & Risk - Post Close Quality Control Analyst

Stanley Martin Homes•Fairfax, VA

About The Position

This position is responsible for coordinating and overseeing outsourced post-closing quality control activities, serving as the primary liaison between the Company and its Quality Control vendor. Responsibilities include managing the post-close QC review process, validating vendor findings through periodic re-performance and quality assurance reviews, and ensuring timely completion of adverse action and early payment default reviews in accordance with agency, investor, and regulatory requirements. In addition to loan-level review oversight, this role will analyze defect trends, support root cause analysis, and collaborate with leadership to drive corrective actions and enhance quality control policies, procedures, and processes.

Requirements

2+ years of Quality Control and/or Quality Assurance experience.
Knowledge of agency and government mortgage guidelines, including Fannie Mae, Freddie Mac, FHA, VA, and USDA
Foundational knowledge of federal and state mortgage lending laws and practices.
Strong verbal and written communication skills, with the ability to convey information clearly and effectively.
Highly organized and analytical, with a demonstrated ability to work independently and meet established deadlines.
Proven ability to manage multiple priorities and adapt to evolving industry standards and responsibilities.
Proficient using Encompass Loan Origination System.
Advanced proficiency with Microsoft Excel, Word, and Outlook required.
Practical understanding of automated underwriting systems.

Nice To Haves

Bachelor’s degree or equivalent experience in the mortgage industry, preferred.

Responsibilities

Point of contact for post-close, adverse action, and early payment default reviews of residential mortgage loans reviewed by QC vendor.
Reviewing the QC vendors comprehensive underwriting and compliance analyses, including but not limited to income calculations for both wage-earning and self-employed borrowers, debt-to-income and loan-to-value ratio assessments, credit evaluations, review of initial and final disclosures, collateral assessments, and title documentation analysis.
Ensuring that the loan reviews conducted are documented with actions taken for each loan, ensuring alignment with defect ratings and exception classifications.
Perform a risk-based sample of completed vendor post-close reviews, not less than 10% monthly, to validate defect accuracy, consistency, and vendor performance.
Responsible for meeting established performance standards, audit milestones, and cycle deadlines.
Participate in recurring meetings to analyze quality trends and offer recommendations that enhance alignment with Fannie Mae, Freddie Mac, FHA, USDA, VA, and private investor guidelines.
Complete red flag reviews assigned by leadership and provide a comprehensive summary of findings upon conclusion of each risk investigation.
Other projects and duties as assigned.

Benefits

Access to competitively priced, high-quality health care options through Aetna, MetLife and EyeMed
employer-paid Short Term and Long Term disability, basic life and AD&D insurance
employee-paid life, Legal Resources, and Aflac supplemental options
401(K), with up to $4K employer match
Health Savings Account (HSA)
Flexible Spending Account (FSA) for dependent care
12 weeks of paid maternity leave through our Short-Term Disability Plan
wellness benefits, including free and low-cost mental health resources and support services through our Employee Assistance Program
Paid Time Off (increases with tenure)
no-cost coverage for identity theft or travel mishaps
advanced pay option through Dayforce Wallet