Mortgage Quality Control Specialist

Our team is redefining the industry – and creating a culture of excellence.

Founded in 2011, Atlantic Coast Mortgage embodies a people‑first culture rooted in commitment, character, and innovation. What began as a small team has grown into a thriving organization where our people remain the driving force behind our mission to redefine the mortgage industry. We believe individuals do their best work in an environment designed for success—and we’re proud to be recognized by The Washington Post as a Top Workplace.

As we continue to grow, we’re not just hiring employees—we’re looking for driven, energetic, and creative problem‑solvers. If that sounds like you, and you're ready to build your career with a company committed to making meaningful change in our industry, we’d love to connect.

Job Duties and Responsibilities:

• Responsible for Quality Control of the following areas: pre‑funding, post‑closing, servicing, and EPDs.
• Audit loan files for accuracy, completeness, and compliance with investor, federal, and company guidelines. Identify loan‑level risks and report findings to improve the process and reduce lender liability.
• Autonomous review of loan‑level documentation, such as appraisal, income, assets, and verifications. Ensure adherence to policies, guidelines, and regulations.
• Identify and investigate potential red flags, including fraud or compliance risks and discrepancies.
• Conduct QC‑related vendor reviews, per Agency requirements.
• Review adverse disposition requests to ensure files met HMDA requirements, fair lending requirements, and denial notification requirements.
• Remain current on all FHA, VA, Fannie Mae, Freddie Mac, investor, and state and federal guidelines and regulations.

Qualifications:

• 3+ Years of background in residential mortgage underwriting or mortgage QC experience.
• Detail‑oriented with strong analytical and problem‑solving abilities.
• Ability to work with a high degree of accuracy in a fast‑paced work environment.
  
  Excellent written and verbal skills for reporting and team collaboration.
• Proficiency with Encompass loan origination system and QC software.
• Strong understanding of mortgage origination, mortgage regulations and Agency and investor guidelines.