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Careers

Diligence Auditor

US - Remote

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“Indecomm is an Equal Employment Opportunity Employer”

Job Brief

The Diligence Auditor performs post close quality control reviews on conventional, government and non-conforming loan production in accordance with the requirements of Fannie Mae, Freddie Mac, Housing and Urban Development, the Veterans Administration, the USDA, and private investors. The Diligence Auditor will also review re-verification documents received on loan files to ensure the information re-verified, aligns with the documentation in the loan file. Review of loan files for red flags indicating potential fraud or misrepresentation. Additionally, the Diligence Auditor will also examine loans for federal and state compliance.

Key Responsibility Areas

  • Audit loan file in compliance with agency or private investor guidelines. This includes, but is not limited to eligibility, calculation and analysis and documentation of income, assets, liabilities and borrower and mortgage program eligibility.
  • Perform data integrity check of Automated Underwriting System.
  • Perform collateral assessment/review of appraisal for data, validity of comparable, value conclusion, and if repairs were required to meet safety and soundness requirements.
  • Identify and review results of required reverification documentation.
  • Review and identify fraud/misrep red flags.
  • Perform federal compliance audit including, but not limited to initial disclosures, RESPA, TILA, MDIA, ECOA, Patriot Act, Flood Act, and Fact Act.
  • Accurate input of all loan information utilizing AuditGenius system for quality control audit.
  • Respond to Internal Quality Assurance feedback and other reporting functions, as instructed.
  • Auditor may be asked to perform the following review types: State Compliance, HECM, Canceled/Withdrawn/Denied, Pre-funding, HELOC/Second Mortgages, Adverse Action, and/or Fraud Investigations.
  • Other tasks and assignments as assigned.

Must Have/Preferred

  • Tenured Auditor: Generally, a minimum of 5 years underwriting and/or post close audit experience in the mortgage industry.
  • Ability to research agency and/or product specific guidelines.
  • Strong written communication skills.
  • Direct Endorsement Certificate is a plus.
  • Compliance experience is a must.
  • Strong organizational skills are a must.
  • Basic/advanced knowledge of mortgage documents, formats, procedures, guidelines.
  • Command of the English language (both verbal and written), to include proper grammar and punctuation.
  • Strong math aptitude.
  • Microsoft Office (i.e., Word, Excel, and Outlook).
  • Must have High school Diploma or GED.
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