Senior Quality Control Auditor

Spring EQ•Conshohocken, PA

8h•Hybrid

About The Position

Overview Spring EQ is a national home equity lender providing flexible and tailored financing solutions directly to consumers with a national network of experienced brokers and partners. Since its founding in 2016, Spring EQ is among the fastest growing and highest-rated home equity financing partners in the United States. Spring EQ offers a broad range of home equity products and delivers a simple and streamlined process that results in faster funding, trustworthy loans, and less frustration for consumers today. To learn more about Spring EQ, visit www.springeq.com . At Spring EQ, it is our mission to empower homeowners and buyers to achieve and maximize the value of homeownership in a simple, fast, and ethical manner. Our values are to Be kind and treat all people – teammates, customers, and vendors – with respect and consideration Be adaptable and embrace change Be accountable and take responsibility and deliver the effort to fully complete the task Be better and strive for continuous improvement in ourselves, our team, and the company for our customers Be part of the solution and solve problems, find the answers, and collaborate Work hard, have fun, and get things done We are seeking an experienced QC Auditor with a strong understanding of underwriting guidelines to join our Quality Control team. This role is responsible for performing detailed loan file reviews on 1st and 2nd mortgage products, ensuring compliance with company policies, investor requirements, and regulatory standards. The ideal candidate has deep mortgage knowledge, exceptional analytical skills, and a commitment to accuracy and integrity.

Requirements

In-depth knowledge of mortgage products, services, and regulatory guidelines (e.g., RESPA, TILA, TRID, HMDA, CFPB).
In-Depth knowledge of Non-QM lending requirements
Experience with quality control software and auditing tools, as well as document management systems.
Excellent analytical skills, with the ability to review complex loan files and identify issues or discrepancies.
Strong written and verbal communication skills to interact with senior management, team members, auditors, and regulatory bodies.
Ability to manage multiple priorities and meet deadlines in a fast-paced, high-pressure environment.
Bachelor’s degree in Business, Finance, or a related field (or equivalent work experience).
3+ years of experience in mortgage quality control, mortgage underwriting, or a similar role
Healthy work-life balance. We are committed to supporting a healthy work-life balance and fostering an environment of productivity and collaboration.

Responsibilities

Perform detailed pre-close and post-close QC audits on 1st and 2nd mortgage files, including non-QM, to evaluate compliance with agency, investor, regulatory, and company underwriting guidelines.
Review credit, income, assets, collateral, title, fraud tools, and all supporting documentation for completeness and accuracy.
Identify discrepancies, missing documentation, eligibility issues, and guideline exceptions.
Validate AUS findings and ensure adherence to DU/LP guidelines (or other automated underwriting systems).
Identify defects, trends, and risk areas; provide clear, detailed audit findings and communicate results to internal SpringEQ teams, including Underwriting, Operations, and Credit Policy & Compliance.
Ensure all audits meet internal QC timelines and reporting requirements.
Stay current on industry regulations, investor updates, federal/state compliance rules, and underwriting changes.
Participate in internal quality improvement initiatives as assigned.
Work closely with manufacturing team to resolve outstanding audits in a timely manner