Act as the primary mortgage audit SME during onboarding, pilots, and go-live phases.
Conduct end-to-end QC validation across income, assets, credit, appraisal, compliance, and closing documentation.
Present audit findings clearly to customers and explain system outputs in underwriting language.
Translate underwriting and QC checklists into structured automation workflows.
Work with Product and Engineering to clarify guideline logic, exception handling, and calculation methodologies.
Validate AI-generated audit outputs and flag discrepancies.
Ensure customer work is delivered accurately and within defined SLAs.
Partner with India-based audit and DP teams to ensure consistent interpretation of guidelines.
Identify gaps between customer guidelines and platform behavior.
Support smooth transition from pilot to scaled delivery.
Drive continuous process improvement and feedback loops.

5+ years of hands-on experience in US Residential Mortgage Underwriting or Post-Closing QC with direct responsibility for full loan file review.
Deep working knowledge of Conventional, FHA, VA, USDA, Jumbo, and Non-QM guidelines, with the ability to interpret and apply investor overlays.
Proven experience reviewing complete loan files including income (self-employed preferred), assets, credit, appraisal, compliance, and closing documentation.
Ability to break down complex underwriting decisions into clear, structured explanations and documented findings.
Strong analytical skills with demonstrated ability to identify root causes, not just surface-level deficiencies.
Comfortable engaging with customers, defending audit positions, and explaining guideline interpretations confidently.
Experience working in distributed or cross-functional environments, collaborating with product, operations, or offshore teams.
Ability to operate independently in a US-based remote role with required overlap across time zones.

Lead Mortgage Auditor – Automation, Customer Delivery

Key skills