Ensure Compliance, Strengthen Mortgage Integrity

Great mortgages start with great lenders, and our client is one of the best. With a streamlined lending process, diverse loan products, and deep industry expertise, they make homeownership possible for thousands. Their commitment to precision and innovation fuels their success, making them a leader in mortgage banking. Be part of a team that raises the bar.

Job Description

As a QC Auditor, you will handle quality control and assurance for residential mortgage loans, ensuring compliance and accuracy. Your role includes auditing, filing, correcting, and following up on both closed and active loan packages. With a keen eye for detail, you'll help maintain loan integrity while collaborating with teams to resolve discrepancies efficiently.

Job Overview

Employment type: Full-time

Shift: Night Shift (Monday – Friday, 09:00 PM - 06:00 AM, Weekends Off)

Work setup: Temporary Work From Home, Any Emapta PH site

Perks: PHP 45,000 sign-on bonus, Above-market salary, Global exposure

Exciting Perks Await!

• HMO coverage with free dependent upon regularization
• Competitive Salary Package
• With sign-on bonus
• Temporary WFH arrangement
• Weekends off
• Prime office locations (Easy access to MRT stations, restaurants, and banks)
• Unlimited upskilling through Emapta Academy courses (Want to know more? Visit https://bit.ly/EmaptaTrainingCalendar)
• Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer!
• Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more!)
• Unlimited opportunities for employee referral incentives across the organization
• Standard government and Emapta benefits
• Total of 20 annual leaves to be used on your own discretion (including 5 credits convertible to cash)
• Fun engagement activities for employees
• Mentorship and exposure to global leaders and teams
• Career growth opportunities
• Diverse and supportive work environment

The Qualifications We Seek

• Bachelor’s degree in a relevant field, such as finance, business, or real estate.
• At least 2–3 years of experience in US mortgage processing, with hands-on involvement in the end-to-end mortgage process (closing, post-closing, or real estate documentation).
• Background in U.S. mortgage regulations, including TRID guidelines and compliance requirements, ensuring adherence to industry standards.
• Experience working in a title company or financial institution, handling mortgage-related transactions.
• Proficiency in Encompass loan management software is preferred.
• Excellent written and verbal communication skills, with the ability to communicate effectively with clients and stakeholders.
• Strong problem-solving abilities, with a proactive approach to identifying and resolving issues.
• Exceptional time management and attention to detail, ensuring accuracy in a fast-paced, process-driven environment.
• Highly organized and deadline-oriented, with the ability to prioritize tasks and meet production goals.

Your Daily Tasks

• Perform quality control and assurance (QC/QA) for residential mortgage loans, including document follow-up.
• Audit, file, correct, and follow up on both closed and active loan packages.
• Compare and verify that all closing conditions listed on the closing instructions are completed and properly documented.
• Research and analyze loan files using internal and external resources.
• Audit file documents to ensure compliance with state, county, investor, and federal guidelines.
• Retrieve final documents from settlement agents, brokers, and county clerk offices for submission to investors.
• Utilize strong customer communication skills to provide effective and timely resolutions.
• Communicate daily with the state-side QC Manager and team members regarding progress, goals, and relevant updates.
• Coordinate with affiliates, loan originators, title companies, and third parties to correct defects and ensure regulatory compliance.
• Record, monitor, and report deficiencies and corrective actions, ensuring timely resolution and proper documentation.
• Stay updated on company policies, secondary market investor requirements, and government-insured agency guidelines (FHA, VA, Rural Housing).

Welcome to Emapta Philippines!

Join a team that values camaraderie, excellence, and growth. Recognized as one of the Top 20 Dream Companies of Filipinos in 2024, Emapta stands proudly alongside industry giants, offering stability and exciting career opportunities. Work with global clients across industries, supported by a strong foundation and a community of like-minded professionals. We empower your success with opportunities for personal and professional development in an inclusive environment. Apply now and discover the #EmaptaExperience!

Please refer to job description.