Quality Control Auditor

Position Title: Quality Control Auditor – Mortgage

Job Description:

We are seeking a seasoned Quality Control Auditor to conduct post-closing and targeted loan file reviews in strict alignment with our written Quality Control Plan. The ideal candidate will bring strong experience in residential mortgage quality control auditing, particularly within the non-delegated correspondent lending channel, and possess deep expertise in current regulatory, investor, and agency guidelines.

Key Responsibilities:

• Perform comprehensive post-closing and targeted loan audits.
• Ensure compliance with internal Quality Control Plan and external regulatory standards.
• Apply audit sampling methodologies including random, targeted, and full reviews (e.g., EPDs, suspected fraud).
• Prepare defect rate analyses and communicate findings with corrective action recommendations.
• Collaborate with internal teams to resolve audit findings and improve processes.
• Maintain thorough documentation and reporting for audit activities.

Required Skills & Qualifications:

• Experience: 3–5 years in mortgage quality control auditing, with a focus on non-delegated correspondent lending or brokered originations.
• Regulatory Knowledge: Strong understanding of investor and agency guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA).
• Compliance Expertise: In-depth knowledge of:
  • TRID
  • TILA/RESPA
  • ECOA/Fair Lending
  • FHA SFH Handbook 4000.1
  • ATR/QM (Ability to Repay/Qualified Mortgage)
• Technical Proficiency: Familiarity with mortgage LOS systems and audit/review tools.
• Communication: Excellent written and verbal communication skills.
• Work Style: Highly organized, detail-oriented, and capable of working independently under tight deadlines.
• Additional: Experience with branch audits and/or remote site inspections is a plus.

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