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