Pre-Funding Auditor

Silverton Mortgage; Atlanta (GA); Remote; USD 55,000 - 75,000; Full time

Job summary

A leading company is seeking a Mortgage Quality Control Auditor to ensure compliance and quality in loan processing. This role involves auditing loan files, maintaining regulatory standards, and providing excellent customer service. The ideal candidate will have strong analytical skills and experience in mortgage underwriting. Join a people-first organization that values teamwork and communication.

Qualifications

• 4 years of Mortgage Underwriting and QC review experience.

Responsibilities

• Perform pre-funding audits on Government and Conventional loans.
• Review loan files for potential fraud indicators.
• Complete reporting and tracking of audits and findings.

Skills

Analytical thinking

Communication

Organizational skills

Education

High school diploma or equivalent

Tools

AUS Lending Systems

Job description

Join to apply for the Mortgage Quality Control Auditor role at Silverton Mortgage

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Join to apply for the Mortgage Quality Control Auditor role at Silverton Mortgage

• We are a people first organization that was voted a top place to work by the Atlanta Journal and Constitution and the Financial Services Industry
• We believe in giving back and we do so through The Silverton Foundation
• We offer extensive product lines and maintain an in-house loan process that offers a competitive edge
• We have fun!
  
  

Why Silverton Mortgage

• We are a people first organization that was voted a top place to work by the Atlanta Journal and Constitution and the Financial Services Industry
• We believe in giving back and we do so through The Silverton Foundation
• Our strong communication skills drive customer satisfaction
• We offer extensive product lines and maintain an in-house loan process that offers a competitive edge
• We have fun!
  
  

Position Title: Pre-Funding Auditor

Location/Branch: Corporate

Reports to: Quality Control Manager

Department: Compliance/Risk Management

Office presence: Remote

FLSA Status: Full-Time, Hourly, Non-Exempt

Job Summary

This position will be responsible for various duties relating to the pre-closing auditing, reporting

and monitoring of selected loan files. The Pre-Funding Auditor maintains a high level of

professionalism and confidentiality while providing exemplary customer service to our internal

and external customers with focus on loan quality and compliance.

Job Functions

• File Management
• Perform the pre-funding audit on Government (all channels) and Conventional loans.
• Participate in independent audit selections to ensure compliance.
• Utilizes various scoping and sampling methodologies to gather and interpret data.
• Maintains strong knowledge on regulations, rules, underwriting guidelines, and processes.
• Review credit, income documentation, calculations, and assets used to qualify for
  
  

accuracy and comply with compliance by validating underwriter’s loan approval and

regulatory standards.

• Review loan file disclosures for completeness and accuracy.
• Complete and document Verbal Verification of Employment process on borrowers.
• Conduct a full credit review to ensure investor and agency guidelines are met.
• Review loan files for potential fraud indicators.
• Verify the accuracy and completeness of files, including MERS records and applicable
  
  

government exclusionary lists.

• Identify issues that may result in the inability to sell a loan on the secondary market and
  
  

escalate concerns appropriately.

• Communicate effectively with operations staff to address any unresolved issues and
  
  

elevate concerns to Quality Control Manager.

• Verify insurance requirements are met.
• Complete reporting and tracking of audits, findings. and trends.
• Assist in Internal and External Audits.
• Completes periodic regulatory research, policy and procedures reviews, and assessments of
  
  

training materials to maintain compliance.

• Reporting and Auditing
• Responsible for independent audit selections to ensure compliance.
• Complete third-party vendor post-closing audit reviews to assess completeness,
  
  

accuracy, and adherence to internal and external quality standards. Including

completing re-verifications and full file post-closing reviews.

• Communicate effectively with operations staff to address any unresolved issues and
  
  

elevates concerns to Quality Control Manager.

• Monthly reporting and tracking of audits, findings and trends.
• Assist in Internal and External Audits.
• Other duties as assigned This job description is not an exhaustive list of all the functions that a team member and other duties may be assigned.
  
  

Education

REQUIREMENTS AND QUALIFICATIONS

• High school diploma or equivalent required.
  
  

Years Of Related Experience

• 4 years of Mortgage Underwriting and QC review experience.
  
  

Knowledge, Skills And Abilities (KSAs)

• Excellent understanding of investor, agency and government guidelines.
• Knowledge of regulatory issues surrounding consumer lending products and guidelines.
• Proficient with AUS Lending Systems – DU/LP/GUS.
• Analytical thinker and consultative mind to support both team members and managers in all
  
  

areas of the business.

• Ability to work as part of a team and independently.
• Open to change and willing to learn new skills.
• Excellent organizational skills and the ability to multitask to complete a wide variety of tasks.
• Excellent written and verbal communication skills along with solid computer skills.
• Goal-oriented, self-motivated with the capacity to meet and exceed assigned goals.
• Willing to learn, industrious, determined, and assertive.
• Strong people skills with ability to interact with all internal teams and external customers.
• Must be able to maintain sensitive and confidential information.
• Diligence to ensure tasks are completed thoroughly and on time.
  
  

Silverton Mortgage is committed to a diverse and inclusive workplace. Silverton Mortgage is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status.

Business Unit -

Silverton Mortgage

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

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