Compliance & Risk - Pre-Funding Quality Control Analyst

Stanley Martin Homes•Fairfax, VA

About The Position

This position is responsible for conducting pre-funding quality control audits to ensure residential mortgage loans comply with regulatory requirements and investor guidelines. In addition to loan-level testing, the role will collaborate with leadership to support root cause analysis and contribute to the development and enhancement of departmental 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

Conduct pre-funding reviews of residential mortgage loans.
Perform 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 disclosures, collateral assessments, and title documentation analysis.
Document all actions taken for each loan in the QC database, ensuring alignment with defect ratings and exception classifications.
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 (including 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