Mortgage Quality Control Analyst

1 day, 5 hours ago
Full-time
Mid Level
Quality Assurance and Testing
SoFi

SoFi

SoFi specializes in providing a comprehensive financial platform that empowers individuals to achieve their financial goals through services such as student loan refinancing, debt consolidation, home buying assistance, and investment opportunities, all...

Capital Markets
1K-5K
Founded 2011
$2900M raised

Description

  • Conduct detailed pre-funding, post-closing, and targeted audits of mortgage loan files.
  • Validate the accuracy of loan data, documentation, disclosures, and calculations.
  • Ensure compliance with federal and state regulations and agency/investor guidelines, including TRID, RESPA, TILA, ATR/QM, HMDA, Fannie Mae, Freddie Mac, FHA, VA, and USDA.
  • Document audit findings clearly and consistently with supporting evidence and guideline references.
  • Identify defects, inconsistencies, and risk factors that may affect loan salability or regulatory compliance.
  • Escalate complex or high-risk issues to the QA Team Lead or Manager.
  • Record audit results accurately in QA systems and tracking tools.
  • Analyze trends, recurring issues, and systemic risks in loan quality.
  • Provide clear feedback to Operations and Underwriting to support corrective actions.
  • Collaborate with Underwriters, Processors, Loan Officers, and Compliance partners to resolve issues and support training or process improvements.

Requirements

  • High school diploma required; bachelor’s degree in Business, Finance, or a related field preferred.
  • 2–5+ years of mortgage industry experience in processing, underwriting, or quality assurance.
  • Strong knowledge of mortgage regulations and agency/investor guidelines, including Conventional, FHA, VA, and USDA loans.
  • Excellent attention to detail with strong analytical and critical-thinking skills.
  • Strong written and verbal communication skills.
  • Proficiency in mortgage LOS systems, QC/QA platforms, and Microsoft Office Suite.
  • Ability to work independently, manage priorities, and meet deadlines.
  • Experience participating in calibration sessions, quality control checks, or second-level reviews is preferred.
  • Familiarity with regulatory change management and investor updates is preferred.

Benefits

  • Base pay range is provided, with final offer determined by experience, skills, and location.
  • Access to SoFi’s comprehensive and competitive benefits package.
  • Reasonable accommodations are available for candidates with physical or mental disabilities.
  • Equal employment opportunity for all employees and applicants.
  • Consideration for employment of qualified applicants with arrest and conviction records under the San Francisco Fair Chance Ordinance.
  • Remote work is not available from Hawaii or Alaska due to insurance coverage issues.

Interested in this position?

Apply directly on the company website

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