Quality Control Underwriter

Lendz Financial offers a full-service direct wholesale residential mortgage lending platform, focused on helping mortgage brokers grow their loan origination volume with simplified processes and intuitive, tech-based solutions. We emphasize a modern, customer-centric approach, offering competitive rates, a diverse range of products, and rapid turnaround times. Committed to delivering a world-class experience for our broker partners, we streamline the lending process to ensure a smooth journey from application to closing.

Our core values, Thrive Together, Act Like an Owner, and Exceed Expectations, cultivate a collaborative, high-performance culture that drives our pursuit to become the undeniable leader in mortgage lending. Lendz is proud to be Great Place to Work certified and recognized as a Scotsman Guide Top Workplace

About the Role

Lendz Financial is seeking an experienced and detail-oriented Quality Control Underwriter to join our growing team. This role is designed for a mortgage professional with a strong underwriting foundation who can apply critical thinking, guideline interpretation, and risk analysis throughout the quality control process.

Rather than performing checklist-based audits alone, this individual will serve as a key partner in maintaining loan quality, identifying trends, mitigating risk, and supporting operational excellence across the organization. The ideal candidate brings a deep understanding of mortgage underwriting—particularly within Non-QM lending—and can evaluate loan files with the mindset of an underwriter while ensuring compliance with investor, regulatory, and internal standards.

This is a fully remote position within a collaborative, high-accountability environment that values ownership, continuous improvement, and professional growth.

What You’ll Do

• Conduct detailed pre-closing and post-closing quality control reviews of residential mortgage loan files


• Evaluate borrower credit, income, assets, and collateral documentation with an underwriting-level understanding of risk assessment


• Review complex Non-QM income scenarios, including Bank Statement programs, DSCR loans, Asset Utilization, 1099 income, and self-employed borrowers


• Analyze loan documentation for accuracy, completeness, consistency, and adherence to company, investor, and regulatory guidelines


• Identify discrepancies, documentation gaps, calculation errors, and compliance concerns, while determining overall materiality and loan-level risk


• Provide thoughtful feedback and recommendations to Underwriting, Processing, and Operations teams to support loan quality and process improvement


• Document audit findings clearly and professionally, including rationale for identified defects or required corrective actions


• Partner cross-functionally with Underwriting, Sales, Account Management, Processing, and Closing teams to resolve file-level issues efficiently


• Monitor loan quality trends and recurring defects, escalating concerns and recommending process enhancements where appropriate


• Support internal and external audit initiatives, including regulatory reviews and third-party due diligence requests


• Maintain detailed and accurate QC reporting and audit records


• Stay current on Non-QM guideline updates, investor overlays, and federal and state regulatory requirements


• Contribute to a collaborative team environment focused on accountability, operational excellence, and continuous improvement

What We’re Looking For

• 3+ years of mortgage underwriting experience, preferably with exposure to Non-QM or alternative documentation loan products


• Strong working knowledge of residential mortgage underwriting guidelines and risk assessment practices


• Experience reviewing complex borrower income scenarios, including self-employed borrowers and alternative income documentation


• Familiarity with Non-QM products such as Bank Statement programs, DSCR, Asset Utilization, and 1099 income


• Strong understanding of mortgage compliance regulations, including TRID, RESPA, ECOA, ATR/QM, and applicable federal and state requirements


• Ability to identify material loan-level risk and exercise sound judgment beyond checklist-based review processes


• Excellent analytical, organizational, and problem-solving skills


• Strong written and verbal communication skills, with the ability to clearly articulate findings and recommendations


• Ability to manage multiple priorities and deadlines in a fast-paced environment


• High level of accountability, professionalism, and attention to detail


• Experience with mortgage loan origination systems and Microsoft Office Suite


• Previous experience in quality control, auditing, underwriting, or post-closing review preferred


• Mortgage-related certifications or designations are a plus

What We Offer

• Highly subsidized medical insurance


• Low-cost dental and vision insurance


• 401(k) program


• Health Savings Account (HSA)


• Generous paid time off and company holidays


• Ongoing training, mentorship, and professional development opportunities


• A collaborative and supportive work environment that values ownership, innovation, and growth