• Oversee and manage the company’s quality control program, ensuring loan files and operational processes meet applicable regulatory requirements, internal policies, and established quality standards.
• Develop, implement, and maintain quality control policies, procedures, testing methodologies, and reporting processes to support effective risk management.
• Lead and oversee pre-funding and post-closing loan audits to identify deficiencies, documentation errors, underwriting issues, and potential compliance risks.
• Manage quality control staff, establish performance expectations, provide guidance, and ensure timely and accurate completion of loan reviews.
• Analyze quality control findings, identify recurring trends, and recommend corrective actions to improve loan quality and reduce operational risk.
• Collaborate with underwriting, compliance, closing, post-closing, and operations teams to investigate findings and implement effective corrective action plans.
• Monitor loan defects, exceptions, and critical findings to ensure appropriate escalation, resolution, and documentation.
• Oversee the preparation of quality control reports, management summaries, and trend analyses to communicate findings, risks, and performance metrics to senior leadership.
• Ensure quality control procedures remain aligned with applicable mortgage regulations, industry standards, and the company’s internal guidelines.
• Support internal and external audits, regulatory examinations, and other reviews by providing accurate documentation, findings, and supporting materials.
• Evaluate existing quality control processes and implement improvements to enhance efficiency, accuracy, consistency, and accountability.
• Partner with senior leadership to establish quality control objectives, assess operational risks, and support strategic business initiatives.
• Maintain a strong understanding of mortgage lending practices, underwriting standards, loan documentation, and applicable federal mortgage regulations.
• Support additional quality assurance, risk management, reporting, and operational initiatives as needed.

 

 • Required: 7+ years of experience in mortgage lending, mortgage quality control, loan auditing, or a related mortgage operations field.
• Previous leadership or management experience overseeing mortgage quality control teams or programs.
• Extensive experience with pre-funding and post-closing audits, loan file reviews, defect identification, and corrective action processes.
• Strong knowledge of mortgage regulations, underwriting standards, loan documentation, and quality control requirements.
• Experience with wholesale mortgage lending preferred; Non-QM mortgage experience is a plus.
• Experience developing and implementing quality control policies, procedures, testing methodologies, and reporting processes.
• Demonstrated ability to analyze audit findings, identify trends, assess risk, and recommend process improvements.
• Experience preparing quality control reports and presenting findings, performance metrics, and risk assessments to senior leadership.
• Strong leadership, communication, and interpersonal skills with the ability to collaborate effectively across multiple departments.
• Excellent analytical, organizational, and problem-solving skills with exceptional attention to detail.
• Ability to manage multiple priorities, oversee complex review processes, and meet critical deadlines in a fast-paced environment.
• Ability to exercise sound judgment, maintain confidentiality, and work effectively with executive leadership and cross-functional teams.