Cake Mortgage Corp · 3 months ago
Post-Close Underwriter
Chatsworth,CA,US
Full-time
Onsite
Mid Level
3+ years expCAKE Mortgage is a cutting-edge wholesale mortgage lender specializing in Non-QM products. The Post-Close Underwriter will review closed loans for compliance and underwriting accuracy, ensuring adherence to various guidelines and clearing conditions identified by third-party firms or investors.
CreditFinanceFinancial ServicesLendingMortgage
Responsibilities
Conduct post-close reviews of funded mortgage loan files to ensure loans were underwritten and closed in compliance with FNMA, FHLMC, FHA, VA, USDA, Cake Non-QM and investor guidelines
Validate credit, income, asset, and collateral documentation against the original underwriting decision
Confirm that all loan conditions were properly satisfied prior to funding
Identify and document any deficiencies, inconsistencies, or compliance issues
Review findings and conditions issued by third-party review (TPR) firms, aggregators, or investors during post-close quality control
Research and respond to TPR conditions with supporting documentation, updated calculations, or narrative explanations
Coordinate with internal teams (underwriting, closing, compliance) to gather necessary documents for clearance
Track and report status of open TPR conditions to internal stakeholders
Maintain detailed audit trails of all communications and clearance actions
Assist in analyzing trends in TPR findings to identify process improvements or training needs
Qualification
Required
Minimum 3–5 years of mortgage underwriting experience
Strong knowledge of agency and investor guidelines (FNMA, FHLMC, FHA, VA USDA and Non-QM)
Excellent organizational skills, analytical thinking, and attention to detail
Ability to communicate findings professionally and clearly in written responses
Comfortable working in a fast-paced, deadline-driven environment
Preferred
Experience responding to TPR or investor loan reviews is strongly preferred
Familiarity with LOS platforms such as Encompass, DU/LP, and investor delivery systems
Benefits
Competitive compensation and performance-based bonuses.
Collaborative and entrepreneurial culture.
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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