Residential Mortgage Quality Control Specialist

Posted 16 days ago

npaworldwideAlbany (NY)

Loan Officers Real Estate Credit

SENIORITY

Senior

SALARY

$60,000-65,000

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About the role

Visa sponsorship provided: No Location: Amherst, NY Remote Status: no remote Pay Type: Annual Salary Salary: 60000-65000/US Dollars Occupational Categories: Other Industries/Categories Industry(ies): Real Estate/ Mortgage Residential Mortgage Quality Control Specialist Amherst, NY | Hybrid – One Day Work From HomeAre you a mortgage professional looking for an opportunity to expand your experience and continue growing your career? We're partnering with an outstanding, well-established organization seeking a Residential Mortgage Quality Control Specialist to join a collaborative and experienced team. This is an excellent opportunity for someone with a solid foundation in residential mortgage lending who wants to develop deeper expertise in quality control, compliance, risk, and underwriting. This role offers excellent exposure to different areas of the mortgage process, a supportive team environment, long-term growth potential, and a hybrid schedule with one day per week working from home.

What You'll Do: You'll be responsible for reviewing previously closed residential mortgage loans to help ensure accuracy, quality, and compliance with regulatory and investor requirements.

Responsibilities include: Conduct post-closing quality control and loan file reviews. Review mortgage documentation for accuracy, completeness, and compliance. Examine borrower credit, income, assets, liabilities, collateral, and supporting documentation. Review appraisals, title work, and other loan documentation. Identify discrepancies, potential risk factors, and areas requiring additional review. Document findings clearly and communicate issues or recommended corrective actions. Develop your knowledge of underwriting guidelines and processes with training and support from experienced team members. Stay current on mortgage regulations, investor requirements, and industry changes. Assist with quality assurance initiatives, internal system testing, and process improvements. Work collaboratively with colleagues throughout the organization to resolve questions and maintain loan quality.

What We're Looking For: Experience 3-4 years minimum residential mortgage industry experience. Experience in areas such as mortgage operations, processing, closing, post-closing, quality control, compliance, loan review, or similar functions. Residential mortgage underwriting experience is not required. Exposure to Conventional, Jumbo, Non-QM, Business Purpose, or other loan products is helpful. Quality Control, post-closing audit, or loan review experience is beneficial. Familiarity with lender or investor guidelines is a plus. Loan closing experience is also valuable. Most importantly, we're looking for someone with a strong mortgage foundation who is interested in learning and growing into the underwriting and quality control aspects of the position.

Knowledge & Skills:

Familiarity with some of the following is helpful, but candidates do not need to check every box: Residential mortgage documentation and loan files
Mortgage processing, closing, post-closing, or quality control
Investor and secondary market guidelines
Title and collateral documentation
Federal mortgage regulations such as TRID, TILA, RESPA, QM/ATR, Regulation Z, and Fair Lending requirements
Proficient in Microsoft Office
Experience with tools such as CoreLogic, LexisNexis, Compliance

Ease/Compliance Analyzer, National Appraisal Registry, PACER, AM Best, or Automated Underwriting Systems (DU/LPA) is a plus. Why Consider This Opportunity? This is a great opportunity to join a highly collaborative organization where you can continue building your mortgage career. You'll work alongside experienced professionals who are willing to train and develop someone who brings the right mortgage foundation, attention to detail, and desire to learn. The position offers growth potential, exposure to underwriting and quality control, a supportive team environment, and a hybrid schedule with one work-from-home day each week. If you have a few years of mortgage experience and are ready to take the next step in your career, we'd love to hear from you.

Salary: $60,000-65,000 possibly more for exceptional experience

Qualifications:

3-4 years minimum residential mortgage industry experience.
Experience in areas such as mortgage operations, processing, closing, post-closing, quality control, compliance, loan review, or similar functions.
Residential mortgage underwriting experience is not required.
Exposure to Conventional, Jumbo, Non-QM, Business Purpose, or other loan products is helpful.
Quality Control, post-closing audit, or loan review experience is beneficial.
Familiarity with lender or investor guidelines is a plus.
Loan closing experience is also valuable.
Why is This a Great Opportunity :Collaborative environment
Great team
Steady work, manageable work load If you are willing to work 5-10 hours of overtime and have detailed meticulous work, your bonus will most likely be between $1K - $5K.

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