QC Credit Auditor

Pre-Close QC Auditor

CAKE Mortgage is a cutting-edge wholesale mortgage lender specializing in Non-QM products. We're redefining the lending experience with innovative programs, streamlined processes, and a commitment to speed and precision. As we grow, we're looking for forward-thinking professionals who thrive in fast-paced, collaborative environments.

The Pre-Close QC Auditor is responsible for reviewing residential mortgage loan files prior to closing to ensure accuracy, completeness, and compliance with investor guidelines, company policies, and federal/state regulations. This position plays a critical role in identifying and mitigating potential defects before loans are funded, protecting the company from repurchase risk and regulatory violations.

Key Responsibilities

Perform thorough pre-close audits of loan files to verify documentation accuracy and compliance with internal policies, agency (Fannie Mae, Freddie Mac, FHA, VA), and investor guidelines.

Validate key elements such as income, assets, credit, appraisal, disclosures, and AUS findings.

Ensure loans are underwritten in accordance with applicable loan program guidelines.

Confirm compliance with federal and state regulatory requirements (e.g., TRID, HMDA, RESPA, TILA).

Identify, document, and communicate findings and deficiencies to appropriate stakeholders.

Collaborate with underwriting, processing, and closing teams to ensure timely resolution of findings.

Track trends and report common issues or risks to management to assist with training and process improvement.

Maintain clear and accurate records of audit reviews in QC systems.

Stay current on changes in agency, investor, and regulatory guidelines.

Requirements

• 3+ years of mortgage experience, with at least 12 years in underwriting or QC.
• Experience with Non-QM, conventional, and government loan programs (FHA, VA).
• Strong understanding of residential mortgage documentation and loan file structure.
• Familiarity with agency and investor guidelines (Fannie Mae, Freddie Mac, FHA, VA).
• Knowledge of federal and state mortgage regulations, including TRID and HMDA.
• Detail-oriented with excellent analytical and organizational skills.
• Ability to work independently, meet deadlines, and manage multiple audits simultaneously.
• Proficient in mortgage software systems (e.g., Encompass, Empower, or similar LOS).
• Excellent written and verbal communication skills.

Why Join CAKE Mortgage?

Be part of a fast-growing company changing the game in Non-QM.

Competitive compensation and performance-based bonuses.

Collaborative and entrepreneurial culture.

Opportunities for career advancement and innovation.

Cake Mortgage does not tolerate discrimination of any type. Cake Mortgage offers equal employment opportunity to all qualified persons without regard to race, age, color, religion, sex/gender, gender identity, sexual orientation, marital status, medical condition, military or veteran status, national origin, ancestry, disability, or any other considerations made unlawful by Federal, State, or Local law. Cake Mortgage provides eligible and qualified employees with opportunities to advance. Cake Mortgage is an at will employer. Cake Mortgage is committed to providing employees with a work environment free of discrimination and harassment.

Cake Mortgage Corp