Overview:
We are seeking a diligent and detail-oriented Mortgage Quality Control Underwriter to join our team. As a Mortgage QC Underwriter, you will play a crucial role in ensuring that residential mortgage loans adhere to all relevant guidelines at the time of closing. Your focus will be on evaluating the three pillars of underwriting: Credit, Capacity, and Collateral, with the aim of identifying any deficiencies that could impact the saleability of loans.
Responsibilities:
- Gather essential loan data for our proprietary review systems to facilitate the underwriting process.
- Develop concise and clear QC loan summaries, highlighting any issues and providing explanations.
- Classify review findings based on severity and their potential impact on loan saleability.
- Conduct both pre-closing and post-closing reviews.
- Perform desk reviews of loan appraisals and other valuation decisions.
- Complete other duties as assigned.
Essential Job Functions & Requirements:
Required Education & Work Experience:
- Preferred minimum of five years of experience in the mortgage industry, with a focus on Underwriting, Third Party Review Due Diligence, or QC/QA functions.
- High School Diploma/GED required; some college preferred. Bachelor's degree in finance or banking is advantageous.
Required Skills & Abilities:
- Proficiency in Fannie Mae and Freddie Mac lending guidelines.
- Familiarity with a range of loan products, including Alt A, Jumbo, Subprime, QM, and non-QM lending.
- Knowledge of FHA, VA, and USDA loan products.
- Strong attention to detail and accuracy in data entry.
- Ability to articulate loan defects professionally and concisely.
- Proficiency in multitasking and navigating various programs and applications.
- Comfortable working independently to manage workflow and priorities.
- Excellent oral and written communication skills.
- Commitment to maintaining confidentiality and adhering to security policies.
What We Offer:
- Competitive compensation commensurate with skills and experience.
- Comprehensive benefits package, including medical, dental, vision, and mental health programs.
- Generous paid time off and paid holidays.
- Paid volunteer time to contribute to community initiatives.
- 401K plan and opportunities for continuous learning.
- Access to our Work Perks Program offering discounts on everyday expenses.
Location:
At Adfitech, we embrace a flexible work environment, including remote work options, in alignment with our remote work policy and business requirements.
Who We Are:
ADFITECH, part of the Mortgage Connect family of companies, is a leader in mortgage quality control. Located in Edmond, Oklahoma, we offer competitive salaries, a comprehensive benefits package, and a supportive work environment where employees can develop and excel.
Application Process:
All new hires will undergo pre-employment background checks and drug screenings. We are an Equal Opportunity Employer committed to fostering diversity and providing equal opportunities for all qualified applicants.
If you require alternative application methods or accommodations, please contact our Human Resources department directly.
Employment Type: Full-Time
Salary: $ 40,000.00 140,000.00 Per Year
