Senior Quality Control Underwriter / QC Auditor (Atlanta, GA)What You'll DoAs a Quality Control Underwriter, you will:
- Perform comprehensive post-closing and pre-funding reviews of mortgage loan files to ensure compliance with:
- FNMA, Freddie Mac, FHA, VA, USDA, and Non-QM guidelines
- Federal and state regulatory requirements
- Investor and client-specific underwriting standards
- Identify underwriting, documentation, compliance, and fraud-related deficiencies.
- Prepare detailed and professional audit reports that clearly articulate findings, risk levels, and recommendations.
- Analyze loan quality trends and provide insight to support continuous process improvement.
- Partner with leadership and audit management to achieve departmental goals and quality objectives.
- Manage an assigned pipeline of loan reviews while consistently meeting productivity and quality expectations.
- Maintain accurate production reporting and communicate audit results effectively.
- Stay current on evolving agency, investor, and regulatory requirements impacting mortgage originations.
- Contribute to special projects and process improvement initiatives as needed.
What Makes You Successful- Strong analytical and critical-thinking skills.
- Exceptional attention to detail and loan-level accuracy.
- Ability to identify risk, guideline exceptions, and compliance concerns.
- Excellent written communication skills with the ability to clearly document findings.
- Strong time management and pipeline management capabilities.
- Coachable, collaborative, and receptive to feedback.
QualificationsRequired Experience- 10+ years of residential mortgage underwriting experience.
- Extensive experience underwriting conventional, FHA, VA, USDA, Jumbo, and/or Non-QM loans.
- Deep knowledge of:
- FNMA and Freddie Mac guidelines
- FHA, VA, and USDA requirements
- Non-conforming and investor-specific underwriting standards
- Previous experience in Mortgage Quality Control, Risk Management, Audit, or Post-Closing Review preferred.
- Demonstrated expertise in mortgage fraud detection and prevention.
- Strong understanding of regulatory and compliance requirements, including:
- RESPA
- TILA
- Regulation B
- Fair Lending
- Dodd-Frank
- AML/BSA
- Other applicable federal and state lending regulations
Technical Skills- Proficiency with Microsoft Office Suite, particularly Excel and Word.
- Experience working with LOS, underwriting, and quality control platforms.
- Ability to efficiently manage a high-volume review pipeline while maintaining exceptional quality standards.
Why Consider This Opportunity?- Utilize your underwriting expertise in a high-impact quality and risk-focused role.
- Be part of a collaborative team that values accuracy, compliance, and continuous improvement.
- Work in an environment where your insights directly influence loan quality and operational success.
- Opportunity to broaden your expertise across agency, investor, compliance, and fraud prevention disciplines.
- Competitive compensation and long-term career growth potential within the mortgage industry.
