Servicing Compliance Testing & Validation Auditor

RPMS RoundPoint Mortgage Servicing; Fort Mill (SC); On-site; USD 70,000 - 110,000; Full time

Benefits offered by this job

Medical, dental, vision

401K

Short-term disability

Employee assistance program

Wellness program

Job summary

CrossCountry Mortgage, LLC is seeking a Servicing Compliance Testing and Validation Auditor to conduct independent testing and monitoring for regulatory and company policy compliance. The role demands mortgage servicing knowledge, testing discipline, and collaboration with operations teams.

The ideal candidate will perform loan-level testing, document findings, and drive remediation with Partners and leadership, contributing to our commitment to compliance and quality service.

Qualifications

• 3+ years mortgage servicing experience.
• Experience identifying or evaluating mortgage loan servicing exceptions or control gaps.
• Experience auditing loans including reviewing loan files for accuracy and compliance.
• Experience researching and evaluating complex transactions using multiple systems.

Responsibilities

• Perform independent, in-depth loan-level SCTV testing using defined scripts.
• Evaluate testing results and document findings in the system of record.
• Communicate testing results with stakeholders to determine dispositions.
• Ensure testing and tracking systems are updated with descriptions of results and rationale.

Skills

Mortgage servicing

Loan auditing

Regulatory compliance

Testing scripts

Communication

Time management

Tools

MSP

Job description

CrossCountry Mortgage (CCM)is the nation's number one distributed retail mortgage lender with more than 9,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture. A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You’ll get unwavering support from all departments and total transparency from the top down. CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.

Position Overview

The Servicing Compliance Testing and Validation Auditor will support RoundPoint Mortgage Servicing LLC. The primary responsibility of the Servicing Compliance Testing and Validation (SCTV)Auditor is to conduct independent and effective testing and monitoring to assess compliance with all applicable requirements, including federal, state, and agency guidance, as well as RoundPoint policies and procedures. The SCTV Auditor is expected to demonstrate a working knowledge of mortgage servicing activities and associated regulatory compliance requirements.

Job Responsibilities

• Perform independent, in-depth, loan-level SCTV testing utilizing the defined testing scripts.
• Utilize the appropriate subsystems and applications as needed and leverage guidance from SCTV Lead, Supervisor and Manager as needed.
• Evaluate testing results to identify findings that signal process or control weaknesses, gaps, or potential non-conformance with requirements, and document the findings as required in the system of record.
• Review assessment of testing results with designated testing partner.
• In partnership with SCTV Lead or Supervisor, communicate testing results with the relevant operational line(s) of business to determine the disposition of all findings, whether valid, eliminated or mitigated.
• Ensure that testing results are thoroughly documented within the system of record by confirming that the testing and tracking systems are updated with required descriptions of testing results, documentation and rationale relative to the disposition of all findings (Valid, eliminated or mitigated).
• In partnership with SCTV Lead or Supervisor, identify valid exceptions and ensure that they are rated, documented, and reviewed with line of business representatives, documenting all dispositions in the tracking system.
• In partnership with SCTV Lead or Supervisor, calibrate with operational line of business partners to identify and document evidence of process or control gaps and the actionable remediations.
• Identify and document compliance gaps when consensus cannot be reached, partnering with the SCTV Manager and Servicing Compliance to conduct gap assessments and support remediation planning.
• Perform discretionary testing as required and report the results to SCTV Lead, Supervisor or Manager as directed.
• Maintain an understanding and knowledge of the required audit scope, loan criteria, servicing activity, required systems, documentation, and regulatory requirements to successfully execute SCTV testing.
• Maintain responsibility for meeting RoundPoint’s commitment to compliance.
• Perform other duties as assigned.

Qualifications and Skills

• 3+ years mortgage servicing experience.
• Experience identifying or evaluating mortgage loan servicing exceptions or control gaps.
• Experience auditing loans including reviewing loan files for accuracy, compliance with regulatory and investor requirements, and adherence to internal policies and procedures.
• Experience in researching and evaluating complex transactions or issue resolution requiring the use of multiple systems and applications.
• Experience identifying and testing compliance and control related activities.
• Thorough knowledge of mortgage servicing activities and associated compliance requirements.
• Familiarity with MSP and associated systems.
• Skill in working collaboratively with others.
• Excellent oral and written communication skills.
• Skill in independently prioritizing and completing assignments while ensuring reporting requirements and established deadlines are met.
• Excellent time management and organizational skills to manage multiple assignments with competing deadlines.
• Skill in navigating testing scripts and question trees, interpreting requirements and evaluating whether actions taken were appropriate.

This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position.

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CrossCountry Mortgage, LLC offers MORE than a job, we offer a career.

CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: https://mycrosscountrybenefits.com

California residents: Please see CrossCountry’s privacy statement for information about how CrossCountry collects and uses personal information about California applicants.

CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual’s association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion.

CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit www.NMLSConsumerAccess.org

Our growth is creating great opportunities! Our team is expanding, and we want to hire the most talented people we can. Continued success depends on it! So once you've had a chance to explore our current open positions, apply to the ones you feel suit you best and keep track of both your progress in the selection process, and new postings that might interest you! Thanks for your interest in working on our team! Our Work Experience is the combination of everything that's unique about us: our culture, our core values, our company meetings, our commitment to sustainability, our recognition programs, but most importantly, it's our people. Our employees are self-disciplined, hard working, curious, trustworthy, humble, and truthful. They make choices according to what is best for the team, they live for opportunities to collaborate and make a difference, and they make us the #1 Top Workplace in the area.