Mortgage Quality Control Analyst / Underwriter (100% Remote)

Our Customer is a tech real-estate marketplace company with a portfolio of the largest and most vibrant real estate and home-related brands on the web and mobile. The company’s brands focus on all stages of the home lifecycle: renting, buying, selling, financing and home improvement. They are committed to empowering consumers with unparalleled data, inspiration and knowledge around homes, and connecting them with the right local professionals to help.

We are seeking a Mortgage Quality Control Analyst / Underwriter on a contract basis to support our Customer’s business needs. This role is 100% remote. The core collaboration hours are 10-2 EST, where the zones overlap the most. For training purposes, it may be easier to join my EST time zone for the first assignments/training.

Responsibilities:

• Perform comprehensive quality control reviews on Conventional, FHA, VA, USDA, Jumbo, and Down Payment Assistance loan files.
• Evaluate underwriting decisions, income calculations, asset verification, credit risk, collateral analysis, and compliance with agency and lender guidelines.
• Utilize established audit checklists, job aids, and QC technology systems to document findings accurately.
• Review historical QC findings to identify defect trends and determine whether additional discretionary reviews are warranted.
• Prepare clear, actionable QC reports outlining defects, risks, and recommended remediation steps.
• Collaborate with Underwriting, Production, and Compliance teams to resolve questions, clarify documentation, and support timely file completion.
• Assist in building charts, graphs, and management-level summaries of QC trends and performance metrics.
• Support remediation planning, process improvement initiatives, and training efforts related to identified issues.
• Maintain strong attention to detail and exercise independent judgment in a fast-paced, high-volume review environment.

Qualifications

• 5+ years as a mortgage underwriter for Conventional, FHA, VA, and USDA loans at a high-volume, direct-to-consumer lender; OR
• 10+ years as a residential mortgage QC review analyst.
• DE (Direct Endorsement) Certification.
• Experience in underwriting Jumbo loan products and Down Payment Assistance programs.
• Must be proficient in Google Sheets, AirTable, Adobe Acrobat, and Encompass.
• Role is manual, requiring detailed review of vendor-provided items and new documents.
• Ability to interpret all major mortgage documentation, including initial disclosures, AUS findings, underwriting notes, and full closing packages.
• Strong analytical skills with the ability to evaluate large data sets and produce summary reports using tools such as Google Sheets, AirTable, and Adobe Acrobat.
• Deep knowledge of FHA, VA, FNMA, and FHLMC quality control requirements and modern regulatory expectations.
• Exceptional attention to detail with the ability to work independently and manage multiple priorities simultaneously.

We offer a competitive salary range for this position. Most candidates who join our team are hired at the median of this range, ensuring fair and equitable compensation based on experience and qualifications.

Contractor benefits are available through our 3rd Party Employer of Record (Available upon completion of waiting period for eligible engagements) Benefits include: Medical, Dental, Vision, 401k.

An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.