Quality Control Underwriter

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Lendz Financial

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2019

💸 Finance

💳 Fintech

👥 B2C

Finance • Fintech • B2C

Lendz Financial is a modern mortgage lender that provides a streamlined and transparent loan process for various mortgage solutions. With competitive rates and state-of-the-art technology, Lendz allows clients to have complete control over the loan process while ensuring quick turnaround times and upfront underwriting. The company emphasizes supportive customer service, making it easy for users to navigate their mortgage concerns anytime, supported by a team that is always available to assist.

📋 Description

• Conduct detailed pre-closing and post-closing quality control reviews of residential mortgage loan files • Evaluate borrower credit, income, assets, and collateral documentation with an underwriting-level understanding of risk assessment • Review complex Non-QM income scenarios, including Bank Statement programs, DSCR loans, Asset Utilization, 1099 income, and self-employed borrowers • Analyze loan documentation for accuracy, completeness, consistency, and adherence to company, investor, and regulatory guidelines • Identify discrepancies, documentation gaps, calculation errors, and compliance concerns, while determining overall materiality and loan-level risk • Provide thoughtful feedback and recommendations to Underwriting, Processing, and Operations teams to support loan quality and process improvement • Document audit findings clearly and professionally, including rationale for identified defects or required corrective actions • Partner cross-functionally with Underwriting, Sales, Account Management, Processing, and Closing teams to resolve file-level issues efficiently • Monitor loan quality trends and recurring defects, escalating concerns and recommending process enhancements where appropriate • Support internal and external audit initiatives, including regulatory reviews and third-party due diligence requests • Maintain detailed and accurate QC reporting and audit records • Stay current on Non-QM guideline updates, investor overlays, and federal and state regulatory requirements • Contribute to a collaborative team environment focused on accountability, operational excellence, and continuous improvement

🎯 Requirements

• 3+ years of mortgage underwriting experience, preferably with exposure to Non-QM or alternative documentation loan products • Strong working knowledge of residential mortgage underwriting guidelines and risk assessment practices • Experience reviewing complex borrower income scenarios, including self-employed borrowers and alternative income documentation • Familiarity with Non-QM products such as Bank Statement programs, DSCR, Asset Utilization, and 1099 income • Strong understanding of mortgage compliance regulations, including TRID, RESPA, ECOA, ATR/QM, and applicable federal and state requirements • Ability to identify material loan-level risk and exercise sound judgment beyond checklist-based review processes • Excellent analytical, organizational, and problem-solving skills • Strong written and verbal communication skills, with the ability to clearly articulate findings and recommendations • Ability to manage multiple priorities and deadlines in a fast-paced environment • High level of accountability, professionalism, and attention to detail • Experience with mortgage loan origination systems and Microsoft Office Suite • Previous experience in quality control, auditing, underwriting, or post-closing review preferred • Mortgage-related certifications or designations are a plus

🏖️ Benefits

• Highly subsidized medical insurance • Low-cost dental and vision insurance • 401(k) program • Health Savings Account (HSA) • Generous paid time off and company holidays • Ongoing training, mentorship, and professional development opportunities • A collaborative and supportive work environment that values ownership, innovation, and growth