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Mortgage Qc Underwriter Jobs

Company

Canopy Mortgage
Address , Lindon, Ut
Employment type FULL_TIME
Salary $60,000 - $85,000 a year
Expires 2023-06-07
Posted at 1 year ago
Job Description
Canopy Mortgage is an industry leader of low-cost online mortgage lending. Canopy has developed proprietary technology & systems that makes getting a mortgage both easier, and more affordable than ever before!

Position Overview:

The Mortgage QC Underwriter is required to perform quality control reviews of mortgage loan files for adherence to specific lender guidelines with an emphasis on pre- and post-closing audits, compliance.

Reviews include identifying potential fraud and/or misrepresentation, processing / underwriting deficiencies, compliance violations, and/or applicable scope specific opportunities.

Essential Job Functions

  • Review and analyze real estate purchase contracts, if applicable
  • Post-Closing Reviews
  • Review and recalculate asset and reserve documentation
  • Review final closing documents to ensure adherence with applicable law
  • Compare fee payee names listed on Final Settlement Statement to invoices or other docs in file to validate accuracy of information
  • Review credit report and re-calculate liabilities
  • Compare Specific Closing Instructions for (loan terms, principal and interest, escrow information).
  • Compare Specific Closing Instructions for accuracy (fees and amounts)
  • Review title commitments, hazard, and flood insurance
  • Confirm all documents and pre-funding conditions pertaining Title, Trusts and POAs have been satisfied
  • Validate compliance with state specific non-borrowing spouse signing requirements.
  • RESPA – Reg X
  • Identify training opportunities pertaining to quality reviews and communicate with Quality Manager to implement such needed sessions
  • Perform Appraisal Reviews for completeness, health and safety issues, and external obsolescence
  • Pre-Closing Reviews
  • Flood
  • Confirm loan product is compliance with program guidelines and borrower eligibility
  • Review and provide Quality Control feedback on loan file reviews completed by internal staff
  • Identify all red flags within a loan file and ensure they are addressed accordingly
  • On NORTC eligible loans, verify compliance with Notice of Right to Cancel requirements of RESPA
  • Fair Credit
  • Follow quality control policies and procedures to ensure compliance with scopes of work
  • Determine proper designation for title, title services and all other shop-able fees
  • Compliance Reviews - analyze individual loan files and determine compliance with applicable lender guidelines and/or loan approval
  • ECOA – Reg B
  • HMDA – Reg C
  • Review employment documentation and re-calculate income documentation
  • TILA – Reg Z
  • Review and analyze borrower’s mortgage applications and related documents

Requirements:

  • Must be self-motivated, creative, and able to work in a team environment while thinking independently and sharing knowledge and ideas
  • Knowledge and understanding of transaction components that indicate a potential for fraud and critical compliance violations
  • Demonstrate impeccable written and verbal communication skills
  • Must have demonstrable, relevant skills and experience in quality control support and practices in the mortgage loan industry (origination and post-closing)
  • Must be able to multitask between multiple analytical projects and able to adapt to constant modification of the workflow
  • Should have knowledge in the policies, principles and practices of mortgage loan processing, underwriting, and closing
  • 3+ years’ Underwriting / QC experience
  • Excellent time management skills with an emphasis on quality
  • Strong computer skills
  • Minimum two years’ experience underwriting to FNMA and/or FHLMC guidelines and FHA and/or VA guidelines
$60,000 - $85,000 a year
This position will initially report to Diann Ward

Salary Range:

$60,000 - $85,000

.