Compliance Specialist

Job Title: Compliance Specialist
Duration: 4 Months
Location: Remote

Job Description:
Client Compliance selects former residential mortgage underwriters to staff its Quality Control department. Quality Control Auditors are responsible for conducting in-depth reviews of a high volume of residential mortgage files to assess the quality and accuracy of underwriting decisions. The individual in this role evaluates in-service production, documents findings, and issues clear, well-supported quality control reports to production and leadership teams. This role helps ensure that client's Home Loans' quality control program operates in accordance with institutional requirements and the standards of FHA, VA, USDA, Client, and Freddie Mac.

This position is for a Quality Control Analyst

Key Responsibilities
• Perform comprehensive quality control reviews of conventional, FHA, VA, USDA, Jumbo, and Down Payment Assistance loans.
• ssess underwriting decisions, income calculations, asset verification, credit risk, collateral evaluation, and compliance with agency and lender guidelines.
• Utilize established audit checklists, job aids, and technology platforms to review loan files and record findings.
• nalyze prior QC findings to identify defect trends and apply risk-based judgment to determine the need for additional discretionary reviews.
• Prepare clear, actionable QC reports summarizing findings, defects, and recommendations for remediation.
• Collaborate with internal teams (Underwriting, Production, Compliance) to clarify documentation, resolve findings, and support timely review completion.
• ssist in the creation of charts, graphs, and management reports summarizing QC results and trends.
• Support remediation planning, process improvements, and training initiatives related to identified issues.
• Maintain strict attention to detail and exercise independent judgment in a high-volume, fast-paced environment.

Minimum Requirements
• 5+ years as a mortgage underwriter of conventional, FHA, VA, and USDA loans for a high-volume, direct-to-consumer lender; OR
• 10+ years as a review analyst in residential mortgage quality control.
• bility to interpret all major mortgage documentation including disclosures, AUS findings, underwriting records, and closing packages.
• Strong analytical skills with the ability to review large volumes of data and produce summary reports (Google Sheets, AirTable, Adobe Acrobat).
• Deep knowledge of modern FHA, VA, Client, and FHLMC quality control requirements.
• Exceptional attention to detail and ability to work independently while managing multiple priorities.

Preferred Qualifications
• DE (Direct Endorsement) Certification.
• Experience underwriting Jumbo and Down Payment Assistance programs.

Managers Notes:
• Increased loan volume and heavier workload.
• Conversion to permanent role is under discussion but not guaranteed at this time.
Role Overview:
• Primary responsibility: Re-auditing loan files both pre- and post-closing, including re-underwriting files.
• Expected workload: Approximately 5 files per day.
• Loan types: Primarily conventional loans, with FHA and VA also included.
• Common underwriting defect: Verifying qualifying income.
Requirements:
• Minimum 5 years of underwriting experience (manager may consider strong candidates with 4 years).
• DE Certification preferred but not required.
• Jumbo and Down Payment Assistance experience is a plus; overqualified candidates will be considered.
Tools & Technology:
• Must be proficient in Google Sheets, AirTable, Adobe Acrobat, and Encompass.
• Role is manual, requiring detailed review of vendor-provided items and new documents.

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