Mortgage QC Manager

CAKE Mortgage is a cutting-edge wholesale mortgage lender specializing in Non-QM products. We're redefining the lending experience with innovative programs, streamlined processes, and a commitment to speed and precision. As we grow, we're looking for forward-thinking professionals who thrive in fast-paced, collaborative environments.

The QC Manager is responsible for leading the quality control function within the mortgage lending division to ensure compliance with federal and state regulations, CAKE Non-QM guidelines (Fannie Mae, Freddie Mac, FHA, VA, etc.), and internal policies. This position manages post-closing and pre-funding loan audits, coordinates with internal and external auditors, and ensures timely reporting of findings and remediation strategies.

Key Responsibilities:

• Develop, implement, and manage a comprehensive mortgage quality control program.
• Oversee pre-funding audits to ensure accuracy, completeness, and compliance.
• Manage QC staff, including hiring, training, supervision, and performance evaluation.
• Ensure audits are conducted in compliance with agency (FNMA, FHLMC, FHA, VA, USDA) and CAKE Non-QM guidelines.
• Analyze audit results and report findings to senior management, identifying trends and systemic issues.
• Collaborate with underwriting, processing, closing, and compliance teams to resolve deficiencies and implement corrective action.
• Prepare and submit monthly, quarterly, and annual QC reports.
• Monitor changes in mortgage regulations and agency/investor guidelines to keep the QC process up to date.
• Coordinate third-party audits and regulatory exams.
• Maintain documentation of all audit procedures, results, and remediation actions.
• Support training and education efforts across departments to reduce QC errors.

• Minimum of 5 years of experience in mortgage quality control, underwriting, or compliance.
• Minimum of 3 years of prior leadership experience in mortgage QC or risk management.
• Strong knowledge of mortgage loan products, processes, and documentation.
• In-depth understanding of investor guidelines and regulatory compliance (e.g., RESPA, TILA, HMDA, TRID).
• Analytical and detail-oriented with excellent problem-solving skills.
• Proficient in mortgage LOS platforms (e.g., Encompass) and QC tools.
• Excellent verbal and written communication skills.
• Ability to work independently and collaboratively across departments.

Why Join CAKE Mortgage?

• Be part of a fast-growing company changing the game in Non-QM.
• Competitive compensation and performance-based bonuses.
• Collaborative and entrepreneurial culture.
• Opportunities for career advancement and innovation.

Cake Mortgage does not tolerate discrimination of any type. Cake Mortgage offers equal employment opportunity to all qualified persons without regard to race, age, color, religion, sex/gender, gender identity, sexual orientation, marital status, medical condition, military or veteran status, national origin, ancestry, disability, or any other considerations made unlawful by Federal, State, or Local law. Cake Mortgage provides eligible and qualified employees with opportunities to advance. Cake Mortgage is an at will employer. Cake Mortgage is committed to providing employees with a work environment free of discrimination and harassment.