Quality Control Underwriter at Lendz Financial

<div class="content-intro"><p>Lendz Financial offers a full-service direct wholesale residential mortgage lending platform, focused on helping mortgage brokers grow their loan origination volume with simplified processes and intuitive, tech-based solutions. We emphasize a modern, customer-centric approach, offering competitive rates, a diverse range of products, and rapid turnaround times. Committed to delivering a world-class experience for our broker partners, we streamline the lending process to ensure a smooth journey from application to closing.</p> <p>Our core values, Thrive Together, Act Like an Owner, and Exceed Expectations, cultivate a collaborative, high-performance culture that drives our pursuit to become the undeniable leader in mortgage lending. Lendz is proud to be&nbsp;<a href="https://www.greatplacetowork.com/certified-company/7037364">Great Place to Work</a> certified and recognized as a <a href="https://www.scotsmanguide.com/features/top-workplaces-2026/">Scotsman Guide Top Workplace</a></p></div><p><strong>About the Role</strong></p> <p>Lendz Financial is seeking an experienced and detail-oriented Quality Control Underwriter to join our growing team. This role is designed for a mortgage professional with a strong underwriting foundation who can apply critical thinking, guideline interpretation, and risk analysis throughout the quality control process.<br><br>Rather than performing checklist-based audits alone, this individual will serve as a key partner in maintaining loan quality, identifying trends, mitigating risk, and supporting operational excellence across the organization. The ideal candidate brings a deep understanding of mortgage underwriting—particularly within Non-QM lending—and can evaluate loan files with the mindset of an underwriter while ensuring compliance with investor, regulatory, and internal standards.<br><br>This is a fully remote position within a collaborative, high-accountability environment that values ownership, continuous improvement, and professional growth.</p> <p><strong>What You’ll Do</strong></p> <ul> <li>Conduct detailed pre-closing and post-closing quality control reviews of residential mortgage loan files</li> <li>Evaluate borrower credit, income, assets, and collateral documentation with an underwriting-level understanding of risk assessment</li> <li>Review complex Non-QM income scenarios, including Bank Statement programs, DSCR loans, Asset Utilization, 1099 income, and self-employed borrowers</li> <li>Analyze loan documentation for accuracy, completeness, consistency, and adherence to company, investor, and regulatory guidelines</li> <li>Identify discrepancies, documentation gaps, calculation errors, and compliance concerns, while determining overall materiality and loan-level risk</li> <li>Provide thoughtful feedback and recommendations to Underwriting, Processing, and Operations teams to support loan quality and process improvement</li> <li>Document audit findings clearly and professionally, including rationale for identified defects or required corrective actions</li> <li>Partner cross-functionally with Underwriting, Sales, Account Management, Processing, and Closing teams to resolve file-level issues efficiently</li> <li>Monitor loan quality trends and recurring defects, escalating concerns and recommending process enhancements where appropriate</li> <li>Support internal and external audit initiatives, including regulatory reviews and third-party due diligence requests</li> <li>Maintain detailed and accurate QC reporting and audit records</li> <li>Stay current on Non-QM guideline updates, investor overlays, and federal and state regulatory requirements</li> <li>Contribute to a collaborative team environment focused on accountability, operational excellence, and continuous improvement</li> </ul> <p><strong>What We’re Looking For</strong></p> <ul> <li>3+ years of mortgage underwriting experience, preferably with exposure to Non-QM or alternative documentation loan products</li> <li>Strong working knowledge of residential mortgage underwriting guidelines and risk assessment practices</li> <li>Experience reviewing complex borrower income scenarios, including self-employed borrowers and alternative income documentation</li> <li>Familiarity with Non-QM products such as Bank Statement programs, DSCR, Asset Utilization, and 1099 income</li> <li>Strong understanding of mortgage compliance regulations, including TRID, RESPA, ECOA, ATR/QM, and applicable federal and state requirements</li> <li>Ability to identify material loan-level risk and exercise sound judgment beyond checklist-based review processes</li> <li>Excellent analytical, organizational, and problem-solving skills</li> <li>Strong written and verbal communication skills, with the ability to clearly articulate findings and recommendations</li> <li>Ability to manage multiple priorities and deadlines in a fast-paced environment</li> <li>High level of accountability, professionalism, and attention to detail</li> <li>Experience with mortgage loan origination systems and Microsoft Office Suite</li> <li>Previous experience in quality control, auditing, underwriting, or post-closing review preferred</li> <li>Mortgage-related certifications or designations are a plus</li> </ul> <p><strong>What We Offer</strong></p> <ul> <li>Highly subsidized medical insurance</li> <li>Low-cost dental and vision insurance</li> <li>401(k) program</li> <li>Health Savings Account (HSA)</li> <li>Generous paid time off and company holidays</li> <li>Ongoing training, mentorship, and professional development opportunities</li> <li>A collaborative and supportive work environment that values ownership, innovation, and growth</li> </ul>