Pre-fund Quality Control Auditor
 Foothill Ranch, CA

Our Operations team is the grease for our wheels. We have a strong ecosystem at loanDepot, and it all revolves around providing the tools to ensure success in every role. Our operations teams which can include Processing, Underwriting, Funding and more, are all invaluable pieces of the mortgage lending puzzle. We warrant a positive culture, promote teamwork & are continuously striving to take care of both our valued borrowers & our extraordinary employees. Come join us!

loanDepot — We are America’s Lender.

Position Summary:

Responsible for performing Pre-Fund Quality Control (PFQC) review of all residential loans for compliance, data integrity, fraud misrepresentation, and ensures investor guidelines are met. Work closely with more Sr. QC Underwriters and QC Management to ensure files reviews are accurate and service level agreements are not exceeded. The primary responsibility is to review and report on the investment quality of loans as they are approved by the underwriting department. Ensures the performance of all duties in accordance with the company’s policies and procedures, all U.S. state and federal laws and regulations, wherein the company operates.


  • Responsible for completing daily minimum required files based on business need per day and meet quality standards.
  • Responsible for accurate and timely audit of all residential loan files selected for discretionary, target, and random audits. The audit is conducted prior to closing, ensuring loan meets FNMA, FHLMC, FHA, VA, Investor, and Industry guideline requirements.
  • Audit consists of a re-Underwrite of mortgage loan files for consistency and compliance to ensure loans are within agency, investor, and internal guidelines. Ensures data integrity, fraud prevention and/or misrepresentation issues are properly addressed, cleared, and/or escalated.
  • Performs written communication to responsible parties to include finding analysis, conclusion, and recommended actions.
  • Upholds proficiency in loan policies, products, procedure manuals, and investor guidelines (FNMA, FHLMC, VA, and FHA) and other correspondent investors.
  • Reviews and analyzes credit, appraisal, title, and complex income documentation. Confirms files meet all agency guideline requirements to produce an acceptable audit review.
  • Assists in monitoring and management of PFQC Escalations Mailbox and Quality Control Audit queue for loan audit assignments of discretionary, target and random audits as needed. Assists in maintaining individual and team reporting.
  • Ensures internal and external service level agreements are met for personal reporting, to conform with SLA’s communicated to business partners.
  • Performs other duties and projects as assigned.
  • Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position.
  • Ability to handle multiple tasks at one time.
  • Detail oriented with strong organizational skills.
  • Must be organized, able to loan balance and prioritize responsibilities.
  • Ability to work in a fast-paced environment and able to adapt to change.
  • Possesses an appropriate combination of technical expertise in fields such as operations, underwriting, and/or auditing.
  • Intermediate skills in computer terminal and personal computer operation; Microsoft Office applications including but not limited to: Word, Excel, PowerPoint and Outlook.
  • Intermediate skills in computer terminal and personal computer operation; Microsoft Office applications including but not limited to: Word, Excel, PowerPoint and Outlook.
  • Effective organizational and time management skills.
  • Exceptional verbal, written and interpersonal communication skills.
  • Ability to make decisions that have moderate impact on the immediate work unit and cross functional departments.
  • Ability to organize and prioritize work schedules on a short-term and long-term basis.
  • Ability to work with little to no supervision while performing duties.


  • Minimum three (3) + years underwriting, quality control auditing, and/or similar experience.
  • High School Diploma or equivalent required.

The Perks:

  • Competitive compensation reliant on ability & experience.
  • Excellent benefits package including multiple health, dental & vision options.
  • Company paid life and AD&D Insurance, as well as additional voluntary benefit possibilities.
  • 401K with robust company match.
  • 15+ PTO days in addition to 8 paid company holidays.
  • The opportunity to work for America’s Lender under the vision of industry legend, Anthony Hsieh.

We are an equal opportunity employer and value diversity in our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.