Pre-Close QC Auditor

Cake Mortgage Corp. • Los Angeles, CA

68d

About The Position

CAKE Mortgage is a cutting-edge wholesale mortgage lender specializing in Non-QM products. We're redefining the lending experience with innovative programs, streamlined processes, and a commitment to speed and precision. As we grow, we're looking for forward-thinking professionals who thrive in fast-paced, collaborative environments. The Pre-Close QC Auditor is responsible for reviewing residential mortgage loan files prior to closing to ensure accuracy, completeness, and compliance with investor guidelines, company policies, and federal/state regulations. This position plays a critical role in identifying and mitigating potential defects before loans are funded, protecting the company from repurchase risk and regulatory violations.

Requirements

• 3+ years of mortgage experience, with at least 1–2 years in underwriting or QC.
• Experience with Non-QM, conventional, and government loan programs (FHA, VA).
• Strong understanding of residential mortgage documentation and loan file structure.
• Familiarity with agency and investor guidelines (Fannie Mae, Freddie Mac, FHA, VA).
• Knowledge of federal and state mortgage regulations, including TRID and HMDA.
• Detail-oriented with excellent analytical and organizational skills.
• Ability to work independently, meet deadlines, and manage multiple audits simultaneously.
• Proficient in mortgage software systems (e.g., Encompass, Empower, or similar LOS).
• Excellent written and verbal communication skills.

Responsibilities

• Perform thorough pre-close audits of loan files to verify documentation accuracy and compliance with internal policies, agency (Fannie Mae, Freddie Mac, FHA, VA), and investor guidelines.
• Validate key elements such as income, assets, credit, appraisal, disclosures, and AUS findings.
• Ensure loans are underwritten in accordance with applicable loan program guidelines.
• Confirm compliance with federal and state regulatory requirements (e.g., TRID, HMDA, RESPA, TILA).
• Identify, document, and communicate findings and deficiencies to appropriate stakeholders.
• Collaborate with underwriting, processing, and closing teams to ensure timely resolution of findings.
• Track trends and report common issues or risks to management to assist with training and process improvement.
• Maintain clear and accurate records of audit reviews in QC systems.
• Stay current on changes in agency, investor, and regulatory guidelines.

What This Job Offers

• Number of Employees: 11-50 employees