Quality Control Auditor | Mortgage | Scottsdale

A high-growth mortgage organization seeking an experienced Quality Control Auditor to perform post-closing and targeted loan file reviews in strict accordance with our written Quality Control Plan. The ideal candidate will have a proven background in residential mortgage quality control auditing—particularly within the non-delegated correspondent lending channel—and a strong working knowledge of current regulatory, investor, and agency guidelines. Responsibilities: • Independently conduct monthly random and targeted loan file audits following the timelines outlined in the company’s QC Plan. • Review a variety of loan types, including Conventional, FHA, VA, USDA, Non-QM, Jumbo, and ARM products. • Perform comprehensive compliance and credit quality reviews on company-originated loans, focusing on areas under the company's operational responsibility (e.g. disclosures, processing, documentation, rate locks). • Validate accuracy and completeness of: • Loan applications (1003) • Initial and final disclosures (LE/CD) • Supporting documentation (income, asset, credit) • Appraisal and valuation data • Loan decisioning and pre-closing conditions • Conduct re-verification of employment, income, assets, and occupancy where applicable. • Identify and grade loan defects based on the company’s risk grading system (Risk Grades 1–3 and Compliance issues). • Ensure reviews are performed with independence and objectivity, avoiding any conflicts of interest. • Submit findings and summaries to Senior Management per required reporting schedule, including recommendations for corrective action. • Assist with the identification of training needs, process improvements, and risk mitigation strategies. • Stay updated on federal regulations (TILA, RESPA, TRID, ECOA, FHA guidelines, etc.) and ensure reviews are performed in compliance with all applicable laws. Qualifications • Minimum 3-5 years of experience in mortgage quality control auditing, with specific experience in non-delegated correspondent lending or brokered originations preferred. • Strong understanding of investor and agency guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA). • Deep working knowledge of compliance regulations, including but not limited to: • TRID • TILA/RESPA • ECOA/Fair Lending • FHA SFH Handbook 4000.1 • Ability to Repay/Qualified Mortgage (ATR/QM) • Experience with audit sampling methodologies, including random, targeted, and 100% review categories (e.g. EPDs, suspected fraud). • Demonstrated experience preparing defect rate analysis and communicating corrective actions. • Excellent written and verbal communication skills. • Highly organized, detail-oriented, and comfortable working under strict deadlines. • Ability to work independently with minimal supervision. • Prior experience working with mortgage LOS systems and audit/review tools. • Working knowledge of branch audits and/or remote site inspections a plus. Apply tot his job Apply To this Job