Senior Quality Control Mortgage Loan Auditor at Spring EQ LLC

Conshohocken, Pennsylvania, United States -

Full Time

Start Date

Immediate

Expiry Date

27 May, 26

Salary

0.0

Posted On

26 Feb, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Mortgage Products, Regulatory Guidelines, Non-QM Lending, Quality Control Software, Auditing Tools, Document Management Systems, Analytical Skills, Loan File Review, Communication Skills, Priority Management, Underwriting Guidelines, Compliance, Risk Assessment, Trend Identification

Industry

Financial Services

Description

Overview Spring EQ is a national home equity lender providing flexible and tailored financing solutions directly to consumers with a national network of experienced brokers and partners. Since its founding in 2016, Spring EQ is among the fastest growing and highest-rated home equity financing partners in the United States. Spring EQ offers a broad range of home equity products and delivers a simple and streamlined process that results in faster funding, trustworthy loans, and less frustration for consumers today. To learn more about Spring EQ, visit www.springeq.com. At Spring EQ, it is our mission to empower homeowners and buyers to achieve and maximize the value of homeownership in a simple, fast, and ethical manner. Our values are to Be kind and treat all people – teammates, customers, and vendors – with respect and consideration Be adaptable and embrace change Be accountable and take responsibility and deliver the effort to fully complete the task Be better and strive for continuous improvement in ourselves, our team, and the company for our customers Be part of the solution and solve problems, find the answers, and collaborate Work hard, have fun, and get things done We are seeking an experienced QC Auditor with a strong understanding of underwriting guidelines to join our Quality Control team. This role is responsible for performing detailed loan file reviews on 1st and 2nd mortgage products, ensuring compliance with company policies, investor requirements, and regulatory standards. The ideal candidate has deep mortgage knowledge, exceptional analytical skills, and a commitment to accuracy and integrity. Responsibilities Perform detailed pre-close and post-close QC audits on 1st and 2nd mortgage files, including non-QM, to evaluate compliance with agency, investor, regulatory, and company underwriting guidelines. Review credit, income, assets, collateral, title, fraud tools, and all supporting documentation for completeness and accuracy. Identify discrepancies, missing documentation, eligibility issues, and guideline exceptions. Validate AUS findings and ensure adherence to DU/LP guidelines (or other automated underwriting systems). Identify defects, trends, and risk areas; provide clear, detailed audit findings and communicate results to internal SpringEQ teams, including Underwriting, Operations, and Credit Policy & Compliance. Ensure all audits meet internal QC timelines and reporting requirements. Stay current on industry regulations, investor updates, federal/state compliance rules, and underwriting changes. Participate in internal quality improvement initiatives as assigned. Work closely with manufacturing team to resolve outstanding audits in a timely manner Qualifications Required Skills/Abilities: In-depth knowledge of mortgage products, services, and regulatory guidelines (e.g., RESPA, TILA, TRID, HMDA, CFPB). In-Depth knowledge of Non-QM lending requirements Experience with quality control software and auditing tools, as well as document management systems. Excellent analytical skills, with the ability to review complex loan files and identify issues or discrepancies. Strong written and verbal communication skills to interact with senior management, team members, auditors, and regulatory bodies. Ability to manage multiple priorities and meet deadlines in a fast-paced, high-pressure environment. Education and Experience: Bachelor’s degree in Business, Finance, or a related field (or equivalent work experience). 3+ years of experience in mortgage quality control, mortgage underwriting, or a similar role Healthy work-life balance. We are committed to supporting a healthy work-life balance and fostering an environment of productivity and collaboration. This position follows a hybrid schedule for team members working in our corporate offices, combining on-site presence with remote flexibility. Our hybrid model is designed to promote teamwork and engagement while also providing the adaptability professionals need to manage their responsibilities effectively. Benefits 401k Company Match Annual Charitable Matching Gift Program Commuter Benefits Company Holidays Credit Union Membership Dental Insurance Dependent Care Plan Disability Insurance Employee Assistance Program Life Insurance Medical Insurance Paid Time Off Plan Vision Insurance Weekly Non-Management Dinner Benefit Spring EQ is an Equal Opportunity Employer. We make all employment decisions based on merit and business needs. If you require a reasonable accommodation at any stage of the hiring or employment process, please contact recruiting@springeq.com

Responsibilities

This role is responsible for performing detailed pre-close and post-close Quality Control audits on 1st and 2nd mortgage files, including non-QM, to ensure compliance with all relevant guidelines. The auditor must identify discrepancies, validate automated underwriting findings, and communicate clear audit results and trends to internal teams.