D2C Mortgage Underwriter / Compliance Quality Review Analyst

Job Description :

The consultant plays a critical role in ensuring accuracy, completeness, and regulatory compliance of residential mortgage underwriting decisions.

This position supports the client Home Loans Quality Control program by performing detailed pre- and post-closing file audits, re-underwriting loans, documenting findings, and issuing well-supported reports that help maintain underwriting quality across the organization.

The ideal candidate is a seasoned mortgage underwriter with strong analytical skills, deep knowledge of agency guidelines, and the ability to work independently in a high-volume, fast-paced environment.

Responsibilities :

Conduct comprehensive quality control reviews of conventional, FHA, VA, USDA, Jumbo, and Down Payment Assistance loan files.

Re-underwrite files for both pre-closing and post-closing audits, validating underwriting decisions and ensuring guideline adherence.

Review income calculations, asset verification, credit risk assessment, collateral documentation, and overall loan eligibility.

Utilize established QC checklists, job aids, and internal technology platforms to review files and document findings accurately.

Analyze previous QC results to identify defect trends and determine the need for additional discretionary reviews.

Prepare clear, actionable QC reports summarizing findings, defects, root causes, and recommendations.

Collaborate with Underwriting, Production, and Compliance teams to clarify documentation and resolve audit findings.

Assist in producing charts, graphs, and management reporting that summarize QC trends and audit outcomes.

Support remediation planning, process improvements, and training initiatives based on identified quality issues.

Manage a daily workload of approximately 5 audited files per day while maintaining exceptional accuracy and attention to detail.

Maintain compliance with the standards of FHA, VA, USDA, Client, Freddie Mac, and organizational QC policies.

Experience :

5+ years as a mortgage underwriter (conventional, FHA, VA, USDA) for a high-volume, direct-to-consumer lender; OR 10+ years of experience as a mortgage quality control review analyst.

Ability to interpret all major mortgage documentation including disclosures, AUS findings, underwriting notes, and closing packages.

Strong analytical and audit skills with the ability to review large volumes of data and summarize findings.

Proficiency in Google Sheets, AirTable, Adobe Acrobat, and Encompass.

Strong understanding of modern FHA, VA, Client, and FHLMC guidelines and QC requirements.

Exceptional attention to detail, accuracy, and organizational skills.

Ability to work independently while managing multiple priorities in a remote environment.

Skills :

DE (Direct Endorsement) Certification.

Underwriting Jumbo and Down Payment Assistance (DPA) programs.

Vendor documentation reviews and manual QC processes.

Education :

• Bachelor's degree in Finance, Business, Accounting, or a related field preferred but not required if candidate meets underwriting experience requirements.

About US Tech Solutions :

US Tech Solutions is a global staff augmentation firm providing a wide range of talent on-demand and total workforce solutions. To know more about US Tech Solutions, please visit www.ustechsolutions.com () .

US Tech Solutions is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.