Remote Mortgage Loan Audit Specialist

Position Overview

Step into a pivotal role where precision and accountability define success. As a Remote Mortgage Loan Audit Specialist, you will ensure the integrity and compliance of loan files by performing in-depth reviews. This position is ideal for individuals who thrive on structure, analytical accuracy, and independent work—all within a modern, remote-first environment—annual salary: $56,250.

Key Responsibilities

Audit Execution

• Conduct comprehensive pre- and post-closing mortgage loan audits.
• Review documentation for compliance with lending guidelines, investor requirements, and regulatory standards.
• Validate data integrity and verify calculations within underwriting, processing, and closing files.

Reporting and Documentation

• Maintain accurate records of audit results and flag discrepancies for resolution.
• Draft audit summaries with clear explanations of findings and corrective actions needed.
• Track audit trends and escalate recurrent issues to the compliance team.

Communication and Collaboration

• Coordinate with loan officers, underwriters, and processing staff to clarify file content.
• Provide concise, constructive feedback for continuous improvement.
• Participate in cross-functional meetings to support audit readiness and policy refinement.

Tools and Technologies Used

Core Systems

• Loan origination software (LOS) such as Encompass or Calyx.
• Document management platforms for paperless file handling.
• Compliance review tools to ensure alignment with federal and investor guidelines.

Technical Proficiency

• Confident using spreadsheets for data validation and reporting.
• Comfortable navigating remote work tools such as Zoom, Slack, and Microsoft Teams.
• Familiarity with automated underwriting systems (e.g., DU, LP) is highly preferred.

Required Qualifications

Educational Background

• High school diploma or GED required.
• An associate's or bachelor’s degree in finance, accounting, or a related field is preferred.

Professional Experience

• 3+ years of experience in mortgage quality control, auditing, or compliance roles.
• In-depth knowledge of mortgage documents, disclosures, and audit checkpoints.
• Demonstrated ability to identify risk factors and resolve discrepancies accurately.

Competencies and Attributes

• Meticulous attention to detail and high ethical standards.
• Excellent time management abilities with proven success in juggling concurrent audit projects effectively.
• Exceptional communication, both written and verbal.

Work Environment

Fully Remote Structure

• Work from the comfort of your home with a flexible schedule.
• Collaborate with a distributed team across multiple time zones.
• Receive IT support and onboarding tools delivered directly to your home.

Team Culture

• Expect a respectful, no-fluff culture focused on outcomes.
• Regular performance reviews and feedback loops to support professional growth.
• Transparent communication across departments promotes alignment and trust.

Why Join This Role?

Impactful Contribution

• Your expertise safeguards the integrity of mortgage operations.
• Each audit you complete directly supports risk reduction and regulatory success.

Stability and Growth

• Enjoy long-term remote stability with structured responsibilities.
• Develop audit specialties and gain access to advanced compliance training.
• Opportunities to mentor junior auditors and participate in internal improvement initiatives.

Competitive Benefits

• Comprehensive health, dental, and vision insurance.
• Paid time off, holidays, and remote equipment reimbursement.
• Career development support and skill-building resources.

Professional Value

• This role places you at the forefront of operational excellence.
• Become a subject matter expert in mortgage loan auditing.
• Leverage your analytical mindset to influence real-time improvements.
• Join industry peers who are passionate about doing things the right way.
• Be recognized for your diligence, accuracy, and consistent contributions.

Ideal Candidate Profile

You Might Be a Great Fit If You:

• Enjoy solving puzzles and spotting inconsistencies others miss.
• Excel in independently managing complex workflows.
• Have experience conducting mortgage compliance reviews in a remote or hybrid setting.
• Are proactive in preventing problems before they arise.
• Believe in high standards, clear documentation, and process improvement.

Career Pathways and Advancement

Where This Role Can Lead

• Senior Mortgage Auditor
• Risk and Compliance Specialist
• Mortgage Quality Control Manager
• Training & Policy Development Lead

Call to Action

If you’re ready to use your audit skills to make a meaningful difference from anywhere, apply now. Join a team that respects your time, values precision, and supports your career aspirations. Let’s redefine remote compliance—together.