Cake Mortgage Corp · 3 months ago
Pre-Close QC Auditor
Chatsworth,CA,US
Full-time
Onsite
Mid Level
3+ years expCAKE Mortgage Corp is a cutting-edge wholesale mortgage lender specializing in Non-QM products, and they are seeking a Pre-Close QC Auditor to ensure accuracy and compliance in mortgage loan files prior to closing. The role involves performing audits, validating key elements of loans, and collaborating with various teams to mitigate risks and enhance processes.
CreditFinanceFinancial ServicesLendingMortgage
Responsibilities
Perform thorough pre-close audits of loan files to verify documentation accuracy and compliance with internal policies, agency (Fannie Mae, Freddie Mac, FHA, VA), and investor guidelines
Validate key elements such as income, assets, credit, appraisal, disclosures, and AUS findings
Ensure loans are underwritten in accordance with applicable loan program guidelines
Confirm compliance with federal and state regulatory requirements (e.g., TRID, HMDA, RESPA, TILA)
Identify, document, and communicate findings and deficiencies to appropriate stakeholders
Collaborate with underwriting, processing, and closing teams to ensure timely resolution of findings
Track trends and report common issues or risks to management to assist with training and process improvement
Maintain clear and accurate records of audit reviews in QC systems
Stay current on changes in agency, investor, and regulatory guidelines
Qualification
Required
3+ years of mortgage experience, with at least 1–2 years in underwriting or QC
Experience with Non-QM, conventional, and government loan programs (FHA, VA)
Strong understanding of residential mortgage documentation and loan file structure
Familiarity with agency and investor guidelines (Fannie Mae, Freddie Mac, FHA, VA)
Knowledge of federal and state mortgage regulations, including TRID and HMDA
Detail-oriented with excellent analytical and organizational skills
Ability to work independently, meet deadlines, and manage multiple audits simultaneously
Proficient in mortgage software systems (e.g., Encompass, Empower, or similar LOS)
Excellent written and verbal communication skills
Benefits
Competitive compensation and performance-based bonuses.
Opportunities for career advancement and innovation.
Company
Cake Mortgage Corp
Our Mission is to be a Partner For Life by empowering our customers to get the most value out of their biggest investment–whether they’re purchasing a new home, refinancing to a lower rate or tapping some hard-earned equity, we’ll stop at nothing to make every stage of home ownership a piece of Cake.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Hilton Sher
Cyber Security Information Executive & CTO
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