Senior Mortgage Quality Control Underwriter

Lake Michigan Credit Union; Grand Rapids (MI); Hybrid; USD 70,000 - 95,000; Full time

Benefits offered by this job

Weekly pay

Health coverage

HSA match

Tuition reimbursement

Parental leave

Job summary

Lake Michigan Credit Union is seeking a Senior Mortgage Quality Control Underwriter in Grand Rapids, MI, with a hybrid schedule after training. You will audit prefunding and post-closing files, review income assets and appraisals, and ensure adherence to investor guidelines and regulations.

Strong analytical, detail-oriented, and communication skills are essential. The role requires a 2-year business degree, 3–5 years of mortgage experience, and FHA knowledge; VA/USDA and software tools

Qualifications

• Two-year college degree or equivalent business training.
• Three to five years of direct mortgage experience.
• Three years of mortgage underwriting experience.
• Experience with FHA required; VA/USDA preferred.
• Fannie Mae/Freddie Mac/FHA guidelines knowledge; MS Word/Excel proficiency.

Responsibilities

• Conduct prefunding and post-closing audits of mortgage files to identify discrepancies and potential fraud.
• Review credit reports, income docs, appraisals, title reports for accuracy.
• Evaluate LTV and DTI to assess loan risk and ensure compliance with investor guidelines.
• Escalate fraudulent/misrepresented files to management and document findings clearly.
• Support QA audit plan development and contribute to quality improvements.

Skills

Mortgage underwriting

Attention to detail

Analytical skills

Regulatory compliance

Communication skills

Education

Two-year college degree

Tools

Microsoft Word

Microsoft Excel

Empower

BlackKnight

ACES

Loan Beam

AllRegs

DataVerify

Job description

## Senior Mortgage Quality Control UnderwriterApplylocations: Grand Rapids, MItime type: Full timeposted on: Posted Todayjob requisition id: REQ-2026-6846**General Information**Primary Location: Grand Rapids, MI (4027 Lake Dr.)Employee Status: Full-TimeWorkplace Type: Hybrid | Following training, this role offers 2 remote days per week**Who we are:**At LMCU, you'll find more than just a job - discover a fulfilling career where your contributions truly matter. Join our talented team at Lake Michigan Credit Union and discover the difference an employer who puts people first can make in your career and life.**About this position:**The Senior Mortgage Quality Control Underwriter reviews mortgage loan files to ensure compliance with agency regulations and company policies, identifies errors, fraud risks, and documentation gaps. Key responsibilities include auditing prefunding and post-closing files, analyzing more complex income, asset and collateral documentation, and calculating risk factors. Essential skills include extensive underwriting experience, strong attention to detail, strong analytical and communication skills, familiarity with mortgage products and regulatory requirements.**What you’ll do:*** Conduct thorough prefunding and post-closing audits of mortgage loan files to identify discrepancies, errors, and potential fraud.* Review credit reports, income documents, appraisals, title reports, and other supporting documentation for accuracy and completeness.* Evaluate creditworthiness, income stability, loan-to-value (LTV), and debt-to-income (DTI) ratios to determine the loan’s risk level.* Ensure loan files adhere to investor guidelines, federal and state regulations, and internal company policies, with emphasis on more complex loans.* Escalate files showing evidence of fraud or misrepresentation to management. Detect patterns or red flags during reviews to proactively mitigate risk.* Document audit findings accurately and assist in identifying quality trends. Recommend corrective actions to management and underwriting teams to address recurring issues and strengthen loan quality.* Assist in developing and implementing quality control audit plans and procedures. Contribute to ongoing efforts to enhance quality and efficiency within loan operations.* Adhere to and champion our core values of curious minds, collaborative hearts, and continuous excellence* Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.**What you’ll bring:*** A two-year college degree or completion of a specialized course of study at a business or trade school equivalent to approximately 64 credit hours.* Three to five years of direct mortgage experience is required.* Three years of mortgage underwriting experience is required.* Experience in FHA is required.* Experience in VA and USDA loans is preferred.* Experience using Fannie Mae, Freddie Mac and FHA applications and technology.* Experience using Microsoft Word and Excel applications.* Experience using software such as Empower, BlackKnight, ACES, Loan Beam, AllRegs, and DataVerify a plus.* Should be comfortable with knowing how and where to search for investor/agency guidelines and compliance regulations.**What you’ll get:*** All Employees: weekly pay and retirement savings options.* Full Time Employees: comprehensive health coverage including medical (with prescription), dental, vision, HSA match, paid parental leave, and tuition reimbursement.* To see a full list of our benefit offerings, check out this helpful guide!**Have additional questions about the role? Email the Talent Acquisition Team at:** **[e-mail]****.**If you lack access to the internet or require an accommodation in the application process, please send your resume via mail to P.O. Box 2848, Grand Rapids, MI 49501-2848.