[Hiring] Senior Quality Control Analyst @GenWay Home Mortgage, Inc.

Role Description

The Sr. Quality Control (QC) Analyst is responsible for evaluating loan quality throughout the mortgage loan process across all channels and product types. This role performs detailed pre- and post-closing loan reviews to ensure compliance with all applicable federal, state, and local laws and regulations, as well as investor, insurer, and agency requirements.

• Conduct advanced pre- and post-closing quality control reviews for conventional, government, non-QM, and business-purpose loan products, with emphasis on complex underwriting transactions.
• Independently review and analyze loan files, including applications, credit reports, underwriting decisions, income and asset documentation, disclosures, appraisals, title policies, and related documentation.
• Verify income calculations, loan-to-value (LTV), and debt-to-income (DTI) ratios.
• Analyze QA/QC data and quality metrics to identify trends, defects, and risk areas.
• Select, manage, and execute targeted QA/QC audit selections.
• Manage Internal Watch List and Exclusionary Lists.
• Maintain and manage all audit documentation, including checklists, scorecards, trackers, and reports.
• Prepare and distribute daily, weekly, and monthly QA/QC reports to senior management.
• Select loan files for QA/QC vendor review, submit files to vendors, and monitor performance and turnaround times.
• Perform QA/QC reviews of third-party vendor work and calibrate findings and feedback.
• Review third-party vendor audit reports, reconcile discrepancies, and implement corrective action plans.
• Oversight of Pre-Doc QC Process, Checklists, Calibration, Training, Staff, and Data integrity.
• Perform early payment default audits, component testing, servicing QC, special investigations, and high-risk or red-flag audits as assigned.
• Ensure production compliance with company policies, agency requirements, TRID, state and federal regulations, and insurer/guarantor guidelines.
• Identify potential eligibility concerns or red flags and escalate suspected misrepresentation to Fraud Management.
• Provide training and ongoing support to QA, QC, and operations staff.
• Perform administrative and database management duties as needed.
• Maintain subject matter expertise in mortgage regulations, agency guidelines, and loan program requirements.
• Complete additional responsibilities as assigned.

Qualifications

• Minimum of 5+ years of underwriting experience preferred.
• Required experience with Conventional, FHA, and VA loan products.
• Strong knowledge of federal regulations and applicable state laws.
• Ability to interpret and apply policies, programs, and guidelines accurately.
• Excellent attention to detail, organizational skills, and written and verbal communication abilities.
• Prior QC/QA experience preferred.

Requirements

• 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.
• While performing the duties of this job, the employee is regularly required to communicate via oral and written communication, such as phone calls, emails, and ticketing systems.
• The employee frequently is required to stand, walk, use hands and fingers and reach with hands and arms.
• This role may require long periods of sitting at a desk and working on a computer.
• The employee may occasionally be asked to pick up and/or move up to 15 pounds.

Work Environment

• This role is fully remote and performed from the employee’s home or another approved off-site location.
• The company provides essential equipment such as computer, headset, and webcam.
• A reliable internet connection and a quiet, professional workspace are expected.