Quality Control Auditor

Job Title:


Quality Control Auditor

Position Summary:

Quality Control Auditor role is responsible for conducting in-depth reviews for both Pre-Funding and Post-Closing quality control audits. Confirmation of mortgage loans comply with regulatory requirements, company policies, and industry best practices. Ensuring to uphold the integrity of Kind Lending's mortgage lending.

Location:

Santa Ana, CA - In office. Possibility to transition to hybrid work from home up to 2 days per week.

Pay Disclosure:

The starting base salary rage for this position is $24.00 - $31.63 per hour. Compensation is based on current industry competitive salary ranges. The actual base is dependent on many factors such as: work experience, business needs, market demands, and other compensation components. The base pay range is subject to change and may be modified in the future.


Responsibilities:

• Loan File Reviews:

Perform reviews of loans selected for both Pre-Funding and Post-Closing audits to confirm prudent underwriting judgement was utilized for loan approval.

• Compliance Verification:

Confirmation that all loans are complying with strict compliance regulations, both federal and state, as well as industry guidelines and company policies.

• Risk Assessment:

Utilization of advance risk assessment techniques for identifying potential fraud, misrepresentation, or compliance violations.

• Documentation Review:

Verify all income/employment, assets, and appraisal utilized for loan approval are complete and accurate. Data integrity review and recalculation of qualifying income, debt ratios along with loan to value ratios alight with underwriting decisions.

• Quality Assurance:

Collaboration with quality control management to help improve high- quality standards, accuracy, and consistency with loan decisions.

• Continuous Learning:

Staying abreast with mortgage lending regulations, compliance changes, and industry trends while applying the knowledge to the audit process.


Competencies:

• Extensive experience within a mortgage quality control auditing and/or underwriting role for a minimum of 5 years.
• Recent Non-QM Underwriting or Quality Control auditing experience a plus.
• In-depth knowledge of mortgage lending and compliance requirements, including TRID, RESPA, TILA, and FHFA.
• Exceptional attention to detail and strong analytical skills.
• Excellent verbal and written communication skills.
• Requires team player mentality, willingness to work in a fast-paced environment while exhibiting our Kind Culture.

Work Authorization:

Must be able to verify identity and employment eligibility to work in the U.S. without a visa sponsorship.

Other Duties:

Ability to work independently and collaboratively in a team-orientated environment. Must be able to provide a kind and friendly approach while remaining professional.


Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Primary functions require sufficient physical ability and mobility to work in an office setting; to stand or sit for prolonged periods of time; to occasionally stoop, bend, kneel, crouch, reach, and twist; to lift, carry, push, and/or pull light to moderate amounts of weight; to operate office equipment requiring repetitive hand movement and fine coordination including use of a keyboard; and to verbally communicate to exchange information. VISION: See in the normal visual range with or without correction. HEARING: Hear in the normal audio range with or without correction.

Kind Lending is an Equal Opportunity Employer committed to workforce diversity. Qualified applicants will receive consideration without regard to race, religion, creed, color, orientation, gender, age, national origin, veteran status, disability status, marital status, sexual orientation, gender identity, or gender expression.