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Role Description

This role involves leading mortgage auditing with a focus on automation and customer delivery.

• Act as the primary mortgage audit SME during onboarding, pilots, and go-live phases.
• Conduct end-to-end QC validation across income, assets, credit, appraisal, compliance, and closing documentation.
• Present audit findings clearly to customers and explain system outputs in underwriting language.
• Translate underwriting and QC checklists into structured automation workflows.
• Work with Product and Engineering to clarify guideline logic, exception handling, and calculation methodologies.
• Validate AI-generated audit outputs and flag discrepancies.
• Ensure customer work is delivered accurately and within defined SLAs.
• Partner with India-based audit and DP teams to ensure consistent interpretation of guidelines.
• Identify gaps between customer guidelines and platform behavior.
• Support smooth transition from pilot to scaled delivery.
• Drive continuous process improvement and feedback loops.

Qualifications

• 5+ years of hands-on experience in US Residential Mortgage Underwriting or Post-Closing QC with direct responsibility for full loan file review.
• Deep working knowledge of Conventional, FHA, VA, USDA, Jumbo, and Non-QM guidelines, with the ability to interpret and apply investor overlays.
• Proven experience reviewing complete loan files including income (self-employed preferred), assets, credit, appraisal, compliance, and closing documentation.
• Ability to break down complex underwriting decisions into clear, structured explanations and documented findings.
• Strong analytical skills with demonstrated ability to identify root causes, not just surface-level deficiencies.
• Comfortable engaging with customers, defending audit positions, and explaining guideline interpretations confidently.
• Experience working in distributed or cross-functional environments, collaborating with product, operations, or offshore teams.
• Ability to operate independently in a US-based remote role with required overlap across time zones.

Requirements

• Experience with LOS or QC platforms.
• Familiarity with TRID, ATR/QM, and regulatory compliance requirements.
• Prior exposure to mortgage automation or AI-based document processing tools.
• Strong analytical thinking and structured problem-solving ability.
• Experience supporting distributed or offshore audit teams.

Who This Role Is Suited For

• Someone who enjoys explaining underwriting logic to both auditors and engineers.
• Someone who thinks in processes, not just checklists.
• Someone comfortable being a domain authority in front of customers.
• Someone who sees AI as leverage to enhance auditing.
• Someone ready to take ownership of delivery outcomes across teams and geographies.

Location

United States (Remote)

Employment Type

Full-Time

Minimum Experience

Mid-level