Quality Control Mortgage Underwriter
About The Position
The Quality Control Mortgage Underwriter is responsible for evaluating Conventional, Jumbo and Non-QM loan applications. This role places a strong emphasis on quality control by verifying third-party diligence findings to ensure accuracy, compliance and credit soundness through review of supporting documentation such as credit reports, income and asset verification, bank statements, tax returns, appraisals, and fraud prevention tools. Review and evaluate Conventional, Jumbo and Non-QM mortgage loan applications in accordance with investor, agency and internal guidelines. Perform comprehensive credit, income, asset and risk analysis to determine loan eligibility and creditworthiness. Conduct quality control reviews to ensure loan files are complete and accurate prior to the purchase of the loan. Independently verify and validate third-party diligence findings, including credit reports, income calculations and asset verification. Identify discrepancies or missing documentation and work to resolve any issues. Maintain current knowledge of investor guidelines, overlays, and program updates. Support continuous improvement of underwriting and quality control processes.
Requirements
- High School Diploma or GED equivalent
- Minimum 4 years residential underwriting experience
- Manual underwriting experience in the mortgage industry
- Proficient with self employed income calculations and guidelines
- Strong attention to detail
- Excellent problem-solving skills
- Strong interpersonal and communication skills a must
- Ability to work in a fast-paced environment
Nice To Haves
- Jumbo and Non-agency underwriting experience preferred
Responsibilities
- Evaluate Conventional, Jumbo and Non-QM loan applications.
- Verify third-party diligence findings to ensure accuracy, compliance and credit soundness.
- Review supporting documentation such as credit reports, income and asset verification, bank statements, tax returns, appraisals, and fraud prevention tools.
- Perform comprehensive credit, income, asset and risk analysis to determine loan eligibility and creditworthiness.
- Conduct quality control reviews to ensure loan files are complete and accurate prior to the purchase of the loan.
- Independently verify and validate third-party diligence findings, including credit reports, income calculations and asset verification.
- Identify discrepancies or missing documentation and work to resolve any issues.
- Maintain current knowledge of investor guidelines, overlays, and program updates.
- Support continuous improvement of underwriting and quality control processes.
Benefits
- Competitive salaries
- Ownership stake in the company
- Medical and dental insurance
- Time off
- 401k matching program
- Tuition assistance program
- Employee volunteer program
- Wellness program
- Opportunity to bolster business knowledge
- Learning the ins and outs of how successful companies operate and manage their finances
- Invaluable hands-on experience to help grow your career
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
High school or GED
