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Mortgage Quality Control Analyst

SoFiCharlotte, North Carolina
On-site Full-time

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Experience Level

Experience

Qualifications

To excel in this role, candidates should possess a strong analytical mindset, attention to detail, and a thorough understanding of mortgage regulations and compliance standards. Experience in quality control or audit functions within the mortgage industry is preferred. Strong communication skills and the ability to work collaboratively across departments are essential.

About the job

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About Us:

Join us in shaping a more promising financial future.

At SoFi, we are transforming the way individuals perceive and engage with personal finance. We are a pioneering financial services provider and national bank, leveraging cutting-edge, mobile-first technology to assist millions of members in achieving their financial aspirations. As the industry undergoes a significant evolution, we stand at the forefront, proud to make a positive impact on people's lives, guided by our core values. Be a part of our mission to invest in yourself, your career, and the financial landscape.

Role Overview

The Mortgage Quality Control Analyst plays a vital role in conducting comprehensive evaluations of mortgage loan files to ensure adherence to federal and state regulations, agency/investor standards, and internal policies. This position identifies defects, documents findings, and provides actionable insights to enhance loan quality and mitigate organizational risk. The QA Analyst works collaboratively with Underwriting, Operations, and Compliance teams to address issues and promote ongoing quality improvements.

Key Responsibilities

Loan File Auditing

  • Perform detailed pre-funding, post-closing, or targeted audits of mortgage loan files.

  • Verify the accuracy of loan data, documentation, disclosures, and calculations.

  • Ensure compliance with federal and state regulations (TRID, RESPA, TILA, ATR/QM, HMDA) and agency/investor standards (Fannie Mae, Freddie Mac, FHA, VA, USDA).

  • Document findings clearly and consistently, including supporting evidence and guideline references.

Quality & Compliance Review

  • Identify defects, inconsistencies, and risk factors that may affect loan salability or regulatory compliance.

  • Escalate complex or significant issues to management for further review.

About SoFi

SoFi is at the forefront of financial innovation, dedicated to transforming personal finance through advanced technology. We empower our members to achieve their financial goals while fostering a culture of growth and success.

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