QC Auditor | Sage Home Loans

We are seeking a detail-oriented, analytical, and compliance-driven Quality Control Auditor to join our growing Direct-to-Consumer mortgage company. This role is critical in ensuring that our loan origination and servicing activities are of the highest quality, and are conducted in accordance with internal policies, investor guidelines, and regulatory requirements (e.g., Fannie Mae, Freddie Mac, FHA, VA, and CFPB).

As a QC Auditor, you'll perform pre-funding and post-funding audits, evaluate sales, underwriting, and operational outcomes and processes, identify process gaps, assess documentation quality, and help the company maintain its commitment to excellence and consumer trust.

What You'll Do

Audit & Compliance

• Conduct monthly post-closing loan audits to assess accuracy, completeness, and compliance with applicable laws, guidelines, and policies.

• Execute pre-funding audits as needed to identify early-stage risk indicators.

• Audit loan files for data integrity across credit, income, asset, appraisal, and underwriting documentation.

• Identify and escalate any red flags, misrepresentation, or fraud concerns.

• Ensure QC audits align with GSE requirements, HUD/FHA Handbook, and other Agency/Investor guidelines.

• Communicate directly with lines of business in understanding and clarifying circumstances during audit activities, explain findings, and evaluate responses and action plans.

Reporting & Documentation

• Draft clear, actionable audit reports summarizing findings, risk levels, and remediation timelines.

• Collaborate with the QC Manager to prepare monthly and quarterly trend reports for leadership.

• Maintain meticulous audit logs, loan-level data, and backup documentation in compliance with internal recordkeeping standards.

Remediation & Process Improvement

• Work closely with operations, underwriting, and compliance teams to investigate root causes and resolve issues.

• Track and validate remediation efforts in response to audit findings.

• Recommend process enhancements or training needs based on recurring issues or systemic risks.

Internal Support

• Assist in external audits or investor reviews, including data gathering and audit defense.

• Stay up to date with regulatory changes, investor announcements, and industry trends that may impact QC procedures.

• Participate in quality assurance projects, system testing, or training program development.

What We're Looking For

• 2–5 years of mortgage quality control, underwriting, or risk management experience.

• Bachelor's degree in Finance, Business, or related field preferred.

• Strong knowledge of FNMA/FHLMC guidelines, FHA, VA, and USDA requirements.

• Working knowledge of TRID, RESPA, ECOA, and other compliance regulations.

• Strong understanding of appraisals and appraisal quality review.

• Proficiency in LOS platforms (e.g., Encompass, Blend), Excel, and audit management tools.

• High attention to detail and a strong sense of integrity and confidentiality.

• Previous experience at a DTC or fintech mortgage lender preferred

• Understanding of Servicing QC requirements is a plus.

Compensation

• USA Compensation Range: $70-85k

Additionally, the following benefits are provided by Red Ventures, subject to eligibility requirements.

• Health Insurance Coverage (medical, dental, and vision)

• Life Insurance

• Short and Long-Term Disability Insurance

• Flexible Spending Accounts

• Paid Time Off

• Holiday Pay

• 401(k) with match

• Employee Assistance Program

• Paid Parental Bonding Benefit Program

• Flexible Paid Time Off (PTO): We believe time to rest and recharge is essential. That's why we offer a generous and flexible PTO policy. Full-time employees accrue 20 days of PTO for a full calendar year annually, with an increase to 25 days after five years of service.

Who We Are:

Sage Home Loans Corporation is a digital mortgage lender solution redefining the mortgage origination experience. By building new technology solutions we're creating simple and clean customer experiences to simplify the mortgage application process. Our team has developed a fully digital online application that enables the user to complete their application and start looking for the right mortgage that matches their needs 24/7. We then marry the digital journey with exceptional human interaction from our expert Loan Officers to create the best possible borrower experience.

Founded in 2000, Red Ventures (RV) is home to a diverse portfolio of industry-leading brands and businesses, strategic partnerships and proprietary technology, including Sage Home Loans, Bankrate, Lonely Planet, The Points Guy, BestColleges and more. Together, RV helps millions of people worldwide make life's most important decisions, accelerates digital adaptation, and innovates the online consumer experience by improving every step of the consumer journey from first discovery of information, throughout the decision-making process, to transactions. Headquartered south of Charlotte, NC, Red Ventures employs thousands of people across the US and Puerto Rico, with international offices in the UK and Brazil. For more information, visit https://redventures.com and follow @RedVentures on social platforms.

At Red Ventures, we believe diverse, inclusive teams are better. To help you better understand our core values and beliefs, we encourage you to watch this brief YouTube video: Our Belief Statements. This will give you insight into the principles that guide our work and our commitment to fostering an inclusive environment.

We offer competitive salaries and a comprehensive benefits program for full-time employees, including medical, dental and vision coverage, paid time off, life insurance, disability coverage, employee assistance program, 401(k) plan and a paid parental leave program.

Red Ventures is an equal opportunity employer that does not discriminate against any employee or applicant because of race, creed, color, religion, gender, sexual orientation, gender identity/expression, national origin, disability, age, genetic information, veteran status, marital status, pregnancy or any other basis protected by law. Employment at Red Ventures is based solely on a person's merit and qualifications.

We are committed to providing equal employment opportunities to qualified individuals with disabilities. This includes providing reasonable accommodation where appropriate. Should you require a reasonable accommodation to apply or participate in the job application or interview process, please contact accommodation@redventures.com.

If you are based in California, we encourage you to read this important information for California residents linked here.