Quality Control Manager

Acra Lending; United States; Remote; USD 80,000 - 85,000; Full time

Job summary

A leading company in the mortgage industry is seeking a Quality Control Manager to oversee the Quality Control Audit Department. This role involves risk identification, compliance oversight, and process improvement. The ideal candidate will have extensive experience in mortgage lending and strong analytical skills, contributing to a team dedicated to operational excellence and regulatory adherence.

Benefits

Free gym membership

Medical, dental, vision benefits

401k match program

Employee appreciation events

Qualifications

• Five years of mortgage lending industry experience.
• At least 3 years of experience as a manager in financial services.
• Project management experience is a plus.

Responsibilities

• Oversees QC Audit Department and manages staff training.
• Create QC testing scripts and finalize QC reporting.
• Conduct fraud investigation audits and report findings.

Skills

Knowledge of FDCPA

Excellent written and verbal communications skills

Strong problem solving and analytical skills

Education

High School graduate or equivalent

Bachelor’s degree or college coursework preferred

Tools

Microsoft Office applications (Word, Excel, Outlook)

Job description

Posted Sunday, April 13, 2025 at 10:00 AM

At Acra Lending our employees enjoy an opportunity to work with great people. We celebrate several events throughout the year accompanied by raffles and giveaways for employees nationwide. We are especially proud to give back to our community and truly enjoy one another's company. We provide a continental breakfast daily and cater lunch every Friday.

We are looking for candidates to join our team who are passionate about their vocation. Who are committed to making a contribution and are looking to gain experience in order to grow in their career. Our headquarters are located on a beautiful campus in Irvine, California and if you work out of our Irvine office we can also provide a free gym membership.

Summary

This position manages Acra Lending's Quality Control Audit Department and oversees the Post Close Due Diligence Department. Responsibilities include identification of risk and remediation, designing Quality Control review process for internal processes and third-party vendor processes. This position will develop Quality Control reviews and prepare internal Quality Control reports reflecting the results of the test work performed. Work performed will include coverage of Loan Operations and Third-Party Vendors which support Loan Operations, with focus on compliance/regulatory and operational processes including identifying process gaps, root cause analysis and recommending remediation. This position will also have responsibility for Process Improvement and Project Management. The Quality Control Manager must stay current with all applicable regulatory changes and internal policy updates to ensure that Loan Operations is and continues to operate in a compliant manner with all such requirements. The Quality Control Manager will work closely with the Loan Operations leadership teams and regularly interact with the Compliance team.

Essential Duties and Responsibilities

• Oversees QC Audit Department. Includes hiring, staff training, audit pipeline/timeline management, meeting minimum monthly audit percentage standards as directed by management, review of material findings, engage with staff, operations and sales as needed to resolve issues/needs, follow up to corrective action and loan defect issues.
• Create QC testing scripts.
• Escalate trends and material audit findings to management.
• Finalize QC reporting along with monthly/quarterly executive summary.
• Manage Regulatory, Audit and Fraud Training to QA/QC staff.
• Conduct or provide oversight on fraud investigation audits. Reporting of all fraud/misrepresentation to all management groups. Underwriting, QC, Executives, Legal. Recommendation of SAR files to executive/legal group and placement of individuals to applicable ineligible list.
• Provide support as needed to operations to resolve material deficiencies and find solutions to mitigate findings with regulators and investors.
• Establishing goals and objectives with QA Staff and Post QC Supervisor.
• Manage special projects assigned by the Managing Director of Compliance and Licensing.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Knowledge of FDCPA, CFPB Servicing Guidelines and state regulations related to both loan origination and loan servicing practices.
• Must work well under pressure, meeting multiple and sometimes conflicting deadlines.
• Must have demonstrated ability to collaborate and work well with others.
• Thorough understanding of Federal and State licensing and lending laws.
• Excellent written and verbal communications skills.
• Strong problem solving and analytical skills.
• Ability to work on multiple projects with minimum direction and supervision.
• Strong personal computer (Excel and Word) knowledge and general office skills.

Education and/or Experience

• High School graduate or equivalent. Batchelor’s degree or college coursework preferred. Can be supplemented with mortgage lending or servicing experience.
• Five years of mortgage lending industry experience.
• At least 3 years of experience as a manager in financial services, vendor management or in mortgage licensing.
• Must be an articulate, effective communicator able to prepare and deliver projects specific reports.
• Project management experience is a plus.
• Familiarity with both Mortgage Loan Origination and Mortgage Loan Servicing.

Language Skills

Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.

Mathematical Skills

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.

Computer Skills

Advanced knowledge of Microsoft Office applications (Word, Excel, Outlook, etc).

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is frequently required to walk and sit. The employee is occasionally required to stand. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus. Always practice good judgment and refer to the safety guidelines.

Pay Range: $80,000 - $85,000

Our benefit offerings include: Medical, dental, vision, wellness programs, EAP counseling services, FSA & HSA, company sponsored life insurance for employee, voluntary life insurance for employee, spouse and child, AD&D Insurance, voluntary short-term and long-term disability, critical illness insurance, accident insurance, legal assistance, pet insurance, living will and trust preparation discounts, commuter program, annual walking challenge, employee appreciation events and monthly sales awards.

At Acra Lending, we were founded with a clear purpose: to specialize in alternative income loan products that help borrowers qualify for our flexible loan programs. We operate in 39 States, out of nine offices in Arizona, California, Florida, Georgia, Hawaii, Missouri, Nevada, Texas, and Utah along with a growing team of remote professionals across the country. Throughout the mortgage industry, Acra Lending is widely known for responsible lending practices, product innovation and operational efficiency. The foundation of our Company is built on helping our customers by providing Non-QM mortgage solutions for today’s borrower in residential and commercial properties across America.

Our Leadership team will encourage you to grow, make time to have fun, and work together to make great things happen. We embrace the strengths and values of each team member. We believe in having diverse perspectives where everyone is included, to serve customers from all walks of life. We reward our employees with a competitive salary and a variety of benefits to help our team members reach their health, retirement, and professional goals along with an exceptional 401k match program. We look forward to meeting you!