TEKsystems
Quality Control Auditor II (Mortgage Lending)
TEKsystems, Saint Louis, Missouri, United States, 63146
Quality Control Auditor II (Mortgage Lending)
Job Title: Quality Control Auditor – Mortgage Lending
Location: Remote (Preference for CST or MST time zones)
Schedule: Monday–Friday, 9:00 AM – 5:00 PM (local time)
Contract Type: 5‑Month Contract‑to‑Hire
Department: Quality Assurance – Lending Operations
We are seeking an experienced Quality Control Auditor to join our growing mortgage lending QA team. This role is critical in ensuring the accuracy, compliance, and integrity of closed loan files through detailed credit, appraisal, and compliance reviews. The ideal candidate will have deep expertise in mortgage underwriting and quality control, with a strong focus on credit analysis and fraud detection.
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 while maintaining high quality standards.
Participate in ongoing training and mentoring with senior QC Auditors.
Core Areas of Review
Credit – 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
Employee Value Proposition 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 This is a Contract to Hire position based out of Saint Louis, MO.
Pay and Benefits The pay range for this position is $31.25 - $31.25/hr.
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 19, 2025.
About TEKsystems We’re partners in transformation. We help clients activate ideas and solutions to take advantage of a new world of opportunity. TEKsystems is an Allegis Group company and a leading provider of business and technology services. TEKsystems 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 characteristic protected by law.
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Location: Remote (Preference for CST or MST time zones)
Schedule: Monday–Friday, 9:00 AM – 5:00 PM (local time)
Contract Type: 5‑Month Contract‑to‑Hire
Department: Quality Assurance – Lending Operations
We are seeking an experienced Quality Control Auditor to join our growing mortgage lending QA team. This role is critical in ensuring the accuracy, compliance, and integrity of closed loan files through detailed credit, appraisal, and compliance reviews. The ideal candidate will have deep expertise in mortgage underwriting and quality control, with a strong focus on credit analysis and fraud detection.
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 while maintaining high quality standards.
Participate in ongoing training and mentoring with senior QC Auditors.
Core Areas of Review
Credit – 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
Employee Value Proposition 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 This is a Contract to Hire position based out of Saint Louis, MO.
Pay and Benefits The pay range for this position is $31.25 - $31.25/hr.
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 19, 2025.
About TEKsystems We’re partners in transformation. We help clients activate ideas and solutions to take advantage of a new world of opportunity. TEKsystems is an Allegis Group company and a leading provider of business and technology services. TEKsystems 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 characteristic protected by law.
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