Quality Control Analyst

Zippy was founded with one mission: to make getting a loan for a manufactured home simple, fast, and fully online. We believe modern manufactured homes are affordable, well-built, eco-friendly, and stylish, but finding a lender who understands this market can be challenging. That’s why Zippy focuses exclusively on manufactured home loans, offering a seamless, digital experience.

Headquartered in Dallas, TX, with an office in Tempe, AZ, Zippy provides home loans and insurance to manufactured home buyers throughout the United States. Our remote-first team is spread across cities like Dallas, Houston, Knoxville, Omaha, Philadelphia, Phoenix, and several other states and cities. Backed by institutional investors, we offer competitive pay, stock options, and excellent benefits. At Zippy, we pride ourselves on our commitment to finance happiness through the power of home. We are dedicated to enhancing consumers' financial outcomes and tackling the affordable housing crisis through cutting-edge technology and innovative solutions.

Position Overview: We are seeking a meticulous and experienced Quality Control Analyst to join our team. In this role, you will be responsible for reviewing and verifying that our chattel loan origination and servicing operations comply with applicable state and federal regulations, investor requirements, and internal policies.

In addition to conducting file reviews, this role will play a critical part in performing data trending analysis to identify systemic risk. Your work will directly support regulatory readiness, investor confidence, and continuous process improvement.

Key Responsibilities:

· Regulatory Compliance Reviews: Review and analyze chattel loan origination and servicing documentation and processes to ensure adherence to applicable state and federal regulations, investor requirements, and company policies. Identify discrepancies, document findings, and escalate non-compliance issues as appropriate.

· Audit and Inspection: Conduct regular file reviews of loan originations and servicing activities, including underwriting, closing, boarding, payment processing, default management, and other operational areas. Evaluate the effectiveness of existing controls and recommend corrective actions and process improvements.

· Data Analysis and Trending: Compile review results and perform periodic trending analysis to identify patterns, root causes, and emerging compliance risks. Prepare summary reports for management that include key metrics, risk assessments, and recommended remediation strategies.

· Documentation and Reporting: Maintain accurate and organized records of quality control reviews and findings. Prepare clear and detailed reports outlining review scope, observations, corrective action requirements, and follow-up status.

· Cross-Functional Collaboration: Partner with Operations, Servicing, Compliance, and Management to communicate findings, support corrective action implementation, and strengthen internal controls.

Qualifications:

• Education: High school diploma or equivalent required. Compliance-related certifications are a plus, but not required.

· Experience: 2+ years of experience in home loan/mortgage lending and/or servicing compliance, quality control, quality assurance, risk management, or internal audit, preferably within the manufactured home or chattel lending space.

· Knowledge: Working knowledge of state and federal regulations governing home loan/mortgage lending and servicing, as well as investor oversight expectations.

· Skills: High proficiency in Microsoft Office Suite, including Excel and Microsoft Forms. Strong analytical skills with the ability to synthesize data into actionable insights. Excellent organizational and project management capabilities.

• Communication: Excellent written and verbal communication skills with the ability to clearly convey complex regulatory and operational concepts to stakeholders across departments.

Encouraged to Apply:

If you have experience in any of the following areas, we encourage you to apply:

· Mortgage compliance

· Mortgage quality assurance or quality control (loan origination and/or loan servicing)

· Mortgage risk management

· Internal audit

Important Applicant Information

• While many of our interviews are conducted virtually, all applicants should be prepared to potentially meet in person as part of the process.

• As a participating employer, we will use E-Verify to confirm employment eligibility.

• Please note that we are currently only hiring candidates who reside in the following states: Arizona, Connecticut, Florida, Georgia, Illinois, Indiana, Louisiana, Maryland, Michigan, Missouri, Montana, Nebraska, Nevada, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, and Wisconsin. Applicants that do not reside in the bolded states will be rejected.

Total Rewards

At Zippy, we're passionate about creating a workplace where people love to work. We put a lot of heart into building and nurturing a company culture that not only supports our team but also inspires them to do their best work.

Our benefits and perks are always evolving, but here’s what we offer right now:

• Competitive Compensation: We offer a competitive salary with the potential for annual bonuses and variable pay, depending on your skills and experience.

• Equity for All: As a part of our commitment to shared success, all employees receive equity in the company, allowing you to share in the growth and achievements of Zippy.

• Remote Work: Enjoy the flexibility of working from home in a dynamic, remote-first environment.

• Comprehensive Health Coverage: We provide medical, dental, and vision insurance, along with company-subsidized benefits like STD, LTD, and life insurance for you and your family.

• Flexible Spending Accounts: Take advantage of medical & dependent care FSAs to help manage your expenses.

• Training & Licensing Support: We invest in your professional growth with resources for training and licensing.

• Paid Time Off: We offer generous PTO—and we encourage you to use it!

• Wellbeing Programs: Access a variety of wellbeing resources, including Headspace, Gympass+, Fetch, Spring Health, SoFi, Perkspot, Ladder, and more through our Sequoia Wellbeing Programs.

• Parental Leave: We provide paid parental leave to support you and your growing family.

• No Meeting Wednesdays: Enjoy a mid-week break from meetings to focus and recharge.

• Vibrant Slack Community: Engage with colleagues in our lively remote Slack community, featuring fun channels that connect people around shared interests like travel, pets, sports, food, and more.

• Career Growth: We believe in promoting from within, offering you opportunities to grow your career with us.

Beyond the tangible benefits:

• Core Values: At the heart of everything we do are our core values: Lead with Passion, Own It, Build a Better Way, Results Driven, and The Golden Rule. These values guide our decisions, shape our culture, and inspire us to achieve our best every day.

• Join a Growing Team: Be part of a dynamic team at a pivotal moment in Zippy’s growth, where every contribution makes a significant impact.

• Innovative Work: Collaborate with sharp, passionate teammates to tackle unique challenges in the Manufactured Housing market, positioning our product as a top-tier lending solution.

• Supportive Culture: You’ll be welcomed into a collaborative environment that fosters camaraderie, respect, and a deep sense of belonging.

• Diversity & Inclusion: We’re committed to empowering a diverse and inclusive workforce, celebrating our differences, and ensuring everyone feels safe to bring their whole selves to work.

• Inspirational Leadership: Work alongside leaders who are not only approachable but also dedicated to providing guidance, mentorship, and support to help you succeed.

• Meaningful Impact: Be part of a mission-driven team that’s making housing more affordable for everyone, helping prospective buyers secure fast and simple online loans to purchase manufactured homes. By joining Zippy you will help improve the lives of over 22 million Americans who live in manufactured homes today.

Zippy is an equal opportunity employer that is committed to diversity and inclusion. We do not discriminate based on race, color, national origin, religion, gender, gender expression, sexual orientation, age, veteran status, disability status, or marital status. If you are excited about the role but do not meet 100% of the qualifications listed above, we encourage you to apply. Nothing in this job posting should be construed as an offer or guarantee of employment.