California Licensed Pre-Closing Auditor

Job Summary

To ensure compliance and reduce repurchase risk, the full-time California Licensed Pre-Closing Auditor will conduct comprehensive pre-funding reviews of residential mortgage loan files in a hybrid work environment, focusing on loan quality, compliance, and risk identification.

Key responsibilities

• Perform comprehensive pre-closing quality reviews of residential mortgage loan files to validate documentation accuracy and compliance
• Identify and document risks related to compliance deficiencies, documentation defects, and investor eligibility issues
• Collaborate with internal departments to communicate findings and ensure identified deficiencies are corrected prior to funding

Required qualifications

• Minimum five years of recent residential mortgage experience, including roles in underwriting, quality control, or compliance
• Strong understanding of residential mortgage lending and comprehensive knowledge of underwriting and closing documentation
• Familiarity with mortgage regulations such as TRID, ECOA, RESPA, and TILA
• Ability to interpret investor guidelines and make objective, risk-based decisions
• Experience with Non-QM and DSCR loan products is preferred