First Colony Mortgage is a Utah-based lender dedicated to simplifying the path to homeownership. We bring clarity, trust, and innovation to every step of the process, helping borrowers understand their options and move forward with confidence. With strategic financial creativity and personalized guidance, we go beyond traditional lending. Because when we do our job well, we don't just close loans, we open doors.
RESPONSIBILITIES
· Review and analyze pre-close and post-close audit results to determine compliance with Agency guidelines, investor overlays, and regulatory requirements.
· Evaluate the validity of audit findings and independently determine whether cited deficiencies are supported by applicable guidelines and documented loan file evidence.
· Prepare clear, well-supported rebuttals or concurrence responses, citing specific guideline references where appropriate.
· Collaborate with underwriting, operations, and closing teams to resolve identified issues and implement corrective actions.
· Document QC conclusions, supporting analysis, and final determinations in accordance with internal quality control standards.
· Compile, track, and analyze trends in audit findings to identify systemic risks and areas for process improvement.
QUALIFICATIONS
· Prior experience in the mortgage industry in a Quality Control, Underwriting or Processing role.
· Demonstrated ability to review, analyze, and interpret Agency guidelines, investor overlays, and regulatory requirements, and apply them accurately in a QC environment.
· Ability to independently evaluate audit findings and determine whether identified deficiencies are valid based on applicable Agency guidelines and documented loan file evidence.
· Strong working knowledge of underwriting standards pertaining to income, assets, credit, collateral, and appraisal review.
· Proficiency in identifying discrepancies, documentation deficiencies, and guideline variances within mortgage loan files.
· High level of accuracy with meticulous attention to detail and documentation support.
· Strong analytical skills with the ability to defend conclusions using specific guideline citations and file documentation.
· Excellent written and verbal communication skills, including the ability to articulate QC determinations to underwriting, operations, and senior management.
· Proficient in Microsoft Office Suite, including Word, Excel, and Outlook.
· Ability to manage multiple files and deadlines in a fast-paced environment.
· Self-directed with sound judgment and the ability to make timely, well-supported decisions.
EXPERIENCE
· Minimum of 3 years in mortgage Quality Control, Underwriting or Processing.
· Familiarity with Fannie Mae, Freddie Mac, FHA, VA, Non-QM and USDA mortgage lending processes is essential.
Pay: From $28.00 per hour
Benefits:
- 401(k)
- 401(k) matching
- Dental insurance
- Flexible spending account
- Health insurance
- Health savings account
- Life insurance
- Paid time off
- Vision insurance
Application Question(s):
- How many years of mortgage industry experience do you have and what areas have you worked in?
- How many years of experience do you have reviewing mortgage loan files, and have you worked in pre-funding QC, post-closing QC or both?
- Have you worked in a role where QC findings were delivered by a third party vendor or outsources? If yes, briefly describe how you handled disputed or unclear findings.
- Which agency or investor guidelines have you applied when reviewing loan files?
Work Location: Remote
