QA Auditor (Fully Remote)

QA Auditor II Servicing
Xactus (pronounced 'Zac-tus') is the leading verification innovator for the mortgage industry. We have over 6,500 clients ranging from the largest bank and non-bank mortgage originators to credit unions and mortgage brokers. As a result, lenders can easily access the technology necessary to meet consumer demands for a modern mortgage experience with industry-leading speed, reliability, and accuracy – while also closing more loans more quickly with greater profitability.
Xactus is proud to provide a friendly work environment that is primarily remote (unless specifically a hybrid or on-site role). Our remote workforce provides many opportunities for you to enhance your skills while maintaining a healthy work/life balance.
Our top-notch financial leadership team prioritizes building talent. The Servicing Quality Control Auditor is responsible for conducting audits and reviews of mortgage servicing activities to ensure compliance with internal policies, investor guidelines, and regulatory requirements. This role plays a critical part in identifying operational risks, recommending corrective actions, and driving continuous improvement across servicing functions.
Perform detailed audits of servicing processes including payment processing, escrow administration, loss mitigation, default management, and customer service.
CFPB, RESPA, FDCPA), investor requirements (e.g., Fannie Mae, Freddie Mac), and company policies.
Document audit findings clearly and concisely and communicate results to relevant stakeholders.
Maintain audit workpapers and ensure proper documentation to support findings and conclusions.
Assist in the development and refinement of audit programs and checklists.
Track and report audit trends, root causes, and recurring issues to management.
Participate in special projects, system implementations, and process improvement initiatives as needed.
Stay current on industry changes, regulatory updates, and best practices in mortgage servicing.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Bachelor's degree in Business, Finance, or related field (or equivalent experience).
3+ years of experience in mortgage servicing, quality control, or audit.
Strong knowledge of mortgage servicing regulations and investor guidelines.
Proficiency in Microsoft Office Suite; experience with servicing platforms (e.g., Traditional office environment with low-to-moderate office noise (computers, phones and business conversations). The position may be remote from main offices.
May require occasional travel.
Manual dexterity for computer work
If applying for a position at Xactus, candidates must be a resident of the United States, and should be authorized and eligible for employment in the United States. If hired to work at Xactus, employment is contingent upon successful completion of required background checks (including but not limited to federal and state criminal history checks, employment history verification, education verification, credit history check) and pre-employment drug screening.