TEKsystems
Quality Control Auditor II (Mortgage Lending)
TEKsystems, Houston, Texas, United States, 77246
Quality Control Auditor II (Mortgage Lending)
Position: Quality Control Auditor – Mortgage Lending Location: Remote (CST or MST preferred) Schedule: Monday–Friday, 9:00 AM – 5:00 PM (local time) Contract Type: 5‑Month Contract‑to‑Hire Department: Quality Assurance – Lending Operations Key Responsibilities
Conduct credit re‑underwriting on closed loan files based on AUS findings or manual approvals. Analyze property appraisals to confirm value support and eligibility. Recalculate and verify borrower income sources, including employment, rental, and other income types. Assess borrower debt load and calculate debt‑to‑income (DTI) ratios. Ensure loan elements meet investor guidelines (Fannie Mae, Freddie Mac, FHA, VA, HELOCs). Identify potential misrepresentation or fraud within loan documentation. Detect and report defect trends across QC periods. Interpret re‑verification results and cite defects accordingly. Enter loan data into the Quality Control system accurately. Review closing documents and disclosures for completeness and accuracy. Analyze Note, Mortgage, and Assignment documents for legal and compliance accuracy. Perform compliance tests, including High Cost, APR, Amount Financed, and State Predatory tests. Document and comment on loan inaccuracies, deficiencies, and missing items. Assign loan‑level defects based on severity and risk to investors/agencies. Meet and exceed daily productivity goals and maintain high quality standards. Participate in ongoing training and mentoring with senior QC Auditors. Core Areas of Review
Credit (most critical): Income calculation, credit eligibility, investor guidelines Appraisal: Property valuation and eligibility Compliance: Regulatory and state‑level compliance checks Required Qualifications
5–10 years of mortgage underwriting and/or audit experience Bachelor’s degree in Business or related field (or equivalent experience) Strong knowledge of Fannie Mae, Freddie Mac, FHA, VA guidelines Excellent written and verbal communication skills Ability to interpret and analyze mortgage and financial documentation Strong mathematical skills for income and liability calculations Detail‑oriented with sound judgment and decision‑making abilities Proficient in self‑directed research using agency and regulatory guidelines Preferred Qualifications
Experience in a QC environment within mortgage lending Background in fraud investigation Underwriting certifications (e.g., SAR, CHUMS IV) Familiarity with TRID compliance and disclosure review Licensed Loan Officer experience Experience with Freddie, Fannie, FHA, and HELOCs Work Environment & Equipment
Remote setup with equipment provided (laptop, monitor, docking station, headset) Internet speed requirement: 200–300 Mbps upload/download Web‑based phone system support required Collaborative team environment with growth opportunities in a newly launched QA business line Join a dynamic team at a pivotal moment of growth. This role offers the opportunity to transition into a full‑time position and grow within a department that is expanding its focus on servicing‑side QA. You’ll be part of a supportive environment that values precision, integrity, and continuous improvement. Job Type & Location: Contract to Hire position based out of Houston, TX. Pay: $31.25 – $31.25 per hour. Pay and Benefits
Benefits are subject to change and may be contingent on job classification and length of employment. Medical, dental & vision Critical Illness, Accident, and Hospital 401(k) Retirement Plan – Pre‑tax and Roth post‑tax contributions available Life Insurance (Voluntary Life & AD&D for the employee and dependents) Short and long‑term disability Health Spending Account (HSA) Transportation benefits Employee Assistance Program Time Off/Leave (PTO, Vacation or Sick Leave) Workplace Type: This is a fully remote position. Application Deadline: This position is anticipated to close on Nov 14, 2025. The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information, or any other characteristic protected by law.
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Position: Quality Control Auditor – Mortgage Lending Location: Remote (CST or MST preferred) Schedule: Monday–Friday, 9:00 AM – 5:00 PM (local time) Contract Type: 5‑Month Contract‑to‑Hire Department: Quality Assurance – Lending Operations Key Responsibilities
Conduct credit re‑underwriting on closed loan files based on AUS findings or manual approvals. Analyze property appraisals to confirm value support and eligibility. Recalculate and verify borrower income sources, including employment, rental, and other income types. Assess borrower debt load and calculate debt‑to‑income (DTI) ratios. Ensure loan elements meet investor guidelines (Fannie Mae, Freddie Mac, FHA, VA, HELOCs). Identify potential misrepresentation or fraud within loan documentation. Detect and report defect trends across QC periods. Interpret re‑verification results and cite defects accordingly. Enter loan data into the Quality Control system accurately. Review closing documents and disclosures for completeness and accuracy. Analyze Note, Mortgage, and Assignment documents for legal and compliance accuracy. Perform compliance tests, including High Cost, APR, Amount Financed, and State Predatory tests. Document and comment on loan inaccuracies, deficiencies, and missing items. Assign loan‑level defects based on severity and risk to investors/agencies. Meet and exceed daily productivity goals and maintain high quality standards. Participate in ongoing training and mentoring with senior QC Auditors. Core Areas of Review
Credit (most critical): Income calculation, credit eligibility, investor guidelines Appraisal: Property valuation and eligibility Compliance: Regulatory and state‑level compliance checks Required Qualifications
5–10 years of mortgage underwriting and/or audit experience Bachelor’s degree in Business or related field (or equivalent experience) Strong knowledge of Fannie Mae, Freddie Mac, FHA, VA guidelines Excellent written and verbal communication skills Ability to interpret and analyze mortgage and financial documentation Strong mathematical skills for income and liability calculations Detail‑oriented with sound judgment and decision‑making abilities Proficient in self‑directed research using agency and regulatory guidelines Preferred Qualifications
Experience in a QC environment within mortgage lending Background in fraud investigation Underwriting certifications (e.g., SAR, CHUMS IV) Familiarity with TRID compliance and disclosure review Licensed Loan Officer experience Experience with Freddie, Fannie, FHA, and HELOCs Work Environment & Equipment
Remote setup with equipment provided (laptop, monitor, docking station, headset) Internet speed requirement: 200–300 Mbps upload/download Web‑based phone system support required Collaborative team environment with growth opportunities in a newly launched QA business line Join a dynamic team at a pivotal moment of growth. This role offers the opportunity to transition into a full‑time position and grow within a department that is expanding its focus on servicing‑side QA. You’ll be part of a supportive environment that values precision, integrity, and continuous improvement. Job Type & Location: Contract to Hire position based out of Houston, TX. Pay: $31.25 – $31.25 per hour. Pay and Benefits
Benefits are subject to change and may be contingent on job classification and length of employment. Medical, dental & vision Critical Illness, Accident, and Hospital 401(k) Retirement Plan – Pre‑tax and Roth post‑tax contributions available Life Insurance (Voluntary Life & AD&D for the employee and dependents) Short and long‑term disability Health Spending Account (HSA) Transportation benefits Employee Assistance Program Time Off/Leave (PTO, Vacation or Sick Leave) Workplace Type: This is a fully remote position. Application Deadline: This position is anticipated to close on Nov 14, 2025. The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information, or any other characteristic protected by law.
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