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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.
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 ResponsibilitiesLoan File AuditingConduct 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.
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.
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.
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.
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.
Regulatory & Investor Guideline Knowledge
Risk Identification
Documentation & Analytical Skills
Attention to Detail
Communication & Collaboration
Problem-Solving
Time Management
Top Skills
What the Team is Saying
What We Do
SoFi wasn’t built to be a bank. Or a technology company. We were built for one mission: help people achieve financial independence so they can realize their ambitions. Redefining an entire industry isn’t easy work—and it’s not for the faint of heart. It takes a certain kind of team. People with diverse perspectives and expertise, united by a common sense of purpose. People willing to challenge assumptions but always do the right thing. People proving that innovation and responsibility don’t have to compete, but can come together to create something truly unconventional in the world. For the last eight years, we’ve been charting this new path forward. We call it The SoFi Way. At SoFi, we don’t just talk about culture: we live it. The SoFi Way is how we show up every day, how we make decisions, and how we build for our members, clients, and each other.
Why Work With Us
Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation Fintech company using innovative, mobile-first technology to help our members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront.
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Employees engage in a combination of remote and on-site work.
For the majority of our workforce who work on a hybrid schedule, the in-office requirement is a handful of days per month!
