Quality Control Underwriter

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.

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 Great Place to Work certified and recognized as a Scotsman Guide Top Workplace

About the Role

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.

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.

This is a fully remote position within a collaborative, high-accountability environment that values ownership, continuous improvement, and professional growth.

What You’ll Do

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

What We’re Looking For

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

What We Offer

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