About the role

Join our dedicated team as a Quality Control Underwriter and contribute to maintaining the highest standards of loan quality in the mortgage industry. We are a leading financial services company committed to excellence and offer a supportive work environment with opportunities for professional growth.
Key Responsibilities

Conduct thorough reviews of mortgage loan files to ensure compliance with investor guidelines, regulatory requirements, and company policies.

Utilize Automated Underwriting Systems (AUS) such as Desktop Underwriter (DU) and Loan Prospector (LP) to assess loan eligibility and risk.

Perform pre-funding and post-closing audits to identify discrepancies, errors, and fraud indicators.

Review appraisals, income documentation, credit reports, and other relevant documents for accuracy and completeness.

Analyze loan data and documentation to determine creditworthiness and adherence to underwriting standards, including LTV (Loan-to-Value) ratios and DTI (Debt-to-Income) ratios.

Prepare detailed quality control reports and findings, documenting issues and providing recommendations for corrective action.

Communicate audit results and findings to underwriting teams, management, and stakeholders, ensuring compliance with industry best practices.

Skills, Knowledge, and Expertise

3+ years of experience in mortgage underwriting, quality control, or related role.

3+ years of experience with LOS (Encompass preferred)

Strong knowledge of mortgage industry regulations, including FHA, VA, USDA, Jumbo, NON-QM, and conventional loan guidelines.

Proficiency in utilizing industry tools and software, such as Encompass and ACES (Automated Compliance and Evaluation System), to conduct quality control reviews.

Benefits

Above market salary

HMO on Day 1 for principal and two dependents

Government-mandated benefits

Performance-based Incentives

Quarterly Company Events

In-depth training for career growth

Great Company Culture and HR experience

1,000 PHP De Minimis

Equipment and software provided

Originally posted on Himalayas

Interview prep

Walk in with sharper answers.

Use this as a quick practice sheet before you speak with the employer.

Mid

Technology & IT Human Resources PHP Sales Writing Mid level remote

Likely questions

Tell us about work you have done that is close to the Quality Control Underwriter role.
How would you approach your first 30 days at NightOwl Consulting?
Which of Human Resources, PHP and Sales have you used recently, and what did it help you achieve?
Describe a time you solved a problem without waiting to be told exactly what to do.
How do you stay organised and communicate clearly when working remotely?

Prepare before the call

A recent example that proves your experience with Human Resources, PHP and Sales.
One short story with a problem, your action, and the result.
Two examples that show the strengths listed on your CV.
A clear reason why this role and company interest you.
Your availability, preferred work style, and salary expectations.

Ask them

What would success look like in the first 90 days?
What are the main problems this hire should help solve?
How does the team give feedback and measure good work?
What does a normal working week look like for this role?

Practice line

I am interested in the Quality Control Underwriter role because I can bring practical experience in Human Resources, PHP and Sales, learn the team quickly, and contribute to the outcomes NightOwl Consulting needs from this hire.

Quality Control Underwriter

About the role

Walk in with sharper answers.

Likely questions

Prepare before the call

Ask them

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