Mortgage Quality Control Analyst

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. Position Summary The Mortgage Quality Control Analyst is responsible for performing in-depth reviews of mortgage loan files to ensure compliance with federal and state regulations, agency/investor guidelines, and internal company policies. This role identifies defects, documents findings, and provides insights to help improve loan quality and reduce organizational risk. The QA Analyst collaborates with Underwriting, Operations, and Compliance teams to resolve issues and support continuous quality improvement. Key Responsibilities Loan File Auditing Conduct detailed pre-funding, post-closing, or targeted audits of mortgage loan files. Validate accuracy of loan data, documentation, disclosures, and calculations. Ensure compliance with federal and state regulations (TRID, RESPA, TILA, ATR/QM, HMDA) and agency/investor requirements (Fannie Mae, Freddie Mac, FHA, VA, USDA). Document findings clearly and consistently, including supporting evidence and guideline references. Quality & Compliance Review Identify defects, inconsistencies, and risk factors that may impact loan salability or regulatory compliance. Escalate complex or high-risk issues to the QA Team Lead or Manager. Participate in calibration sessions to ensure consistent application of guidelines. Support quality control checks or second-level reviews as needed. Reporting & Documentation Record audit results accurately in QA systems and tracking tools. Assist in analyzing trends, recurring issues, and systemic risks. Provide clear, concise feedback to Operations and Underwriting to support corrective actions. Contribute to monthly/quarterly reporting as requested. Collaboration & Support Work closely with Underwriters, Processors, Loan Officers, and Compliance partners to clarify guidelines and resolve issues. Provide feedback that supports training initiatives or process improvements. Maintain up-to-date knowledge of regulatory changes and investor updates. Qualifications High school diploma required; Bachelor’s degree in Business, Finance, or related field preferred. 2–5+ years of mortgage industry experience in processing, underwriting, or quality assurance. Strong knowledge of mortgage regulations and agency/investor guidelines (Conventional, FHA, VA, USDA). Excellent attention to detail, with strong analytical and critical-thinking skills. Strong written and verbal communication skills. Proficiency in mortgage LOS systems, QC/QA platforms, and Microsoft Office Suite. Ability to work independently, manage priorities, and meet deadlines. Key Competencies Regulatory & Investor Guideline Knowledge Risk Identification Documentation & Analytical Skills Attention to Detail Communication & Collaboration Problem-Solving Time Management Compensation and Benefits The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location. To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page! SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law. The Company hires the best qualified candidate for the job, without regard to protected characteristics. Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. New York applicants: Notice of Employee Rights SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com. Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time. Internal Employees If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.