Pre-Close QC Auditor at Cake Mortgage Corp.

Los Angeles, California, United States -

Full Time

Start Date

Immediate

Expiry Date

20 Jan, 26

Salary

0.0

Posted On

22 Oct, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Mortgage Experience, Underwriting, QC, Non-QM Products, Documentation Accuracy, Compliance, Regulatory Requirements, Analytical Skills, Organizational Skills, Communication Skills, Loan File Structure, FHA, VA, Fannie Mae, Freddie Mac, Mortgage Software

Industry

Financial Services

Description

Description CAKE Mortgage is a cutting-edge wholesale mortgage lender specializing in Non-QM products. We're redefining the lending experience with innovative programs, streamlined processes, and a commitment to speed and precision. As we grow, we're looking for forward-thinking professionals who thrive in fast-paced, collaborative environments. The Pre-Close QC Auditor is responsible for reviewing residential mortgage loan files prior to closing to ensure accuracy, completeness, and compliance with investor guidelines, company policies, and federal/state regulations. This position plays a critical role in identifying and mitigating potential defects before loans are funded, protecting the company from repurchase risk and regulatory violations. Key Responsibilities: Perform thorough pre-close audits of loan files to verify documentation accuracy and compliance with internal policies, agency (Fannie Mae, Freddie Mac, FHA, VA), and investor guidelines. Validate key elements such as income, assets, credit, appraisal, disclosures, and AUS findings. Ensure loans are underwritten in accordance with applicable loan program guidelines. Confirm compliance with federal and state regulatory requirements (e.g., TRID, HMDA, RESPA, TILA). Identify, document, and communicate findings and deficiencies to appropriate stakeholders. Collaborate with underwriting, processing, and closing teams to ensure timely resolution of findings. Track trends and report common issues or risks to management to assist with training and process improvement. Maintain clear and accurate records of audit reviews in QC systems. Stay current on changes in agency, investor, and regulatory guidelines. Requirements 3+ years of mortgage experience, with at least 1–2 years in underwriting or QC. Experience with Non-QM, conventional, and government loan programs (FHA, VA). Strong understanding of residential mortgage documentation and loan file structure. Familiarity with agency and investor guidelines (Fannie Mae, Freddie Mac, FHA, VA). Knowledge of federal and state mortgage regulations, including TRID and HMDA. Detail-oriented with excellent analytical and organizational skills. Ability to work independently, meet deadlines, and manage multiple audits simultaneously. Proficient in mortgage software systems (e.g., Encompass, Empower, or similar LOS). Excellent written and verbal communication skills.

Responsibilities

The Pre-Close QC Auditor reviews residential mortgage loan files prior to closing to ensure accuracy, completeness, and compliance with guidelines. This role is critical in identifying potential defects before loans are funded, protecting the company from risks.