Underwriter (Post-Close/QC)

Job description

Lendz Financial offers a full-service direct wholesale residential mortgage lending platform, focused on helping mortgage brokers grow their loan origination volume with simplified processes and intuitive, tech-based solutions. We emphasize a modern, customer-centric approach, offering competitive rates, a diverse range of products, and rapid turnaround times. Committed to delivering a world-class experience for our broker partners, we streamline the lending process to ensure a smooth journey from application to closing. Our core values, Thrive Together, Act Like an Owner, and Exceed Expectations, cultivate a collaborative, high-performance culture that drives our pursuit to become the undeniable leader in mortgage lending. Lendz is proud to be [Great Place to Work](https://www.greatplacetowork.com/certified-company/7037364) certified and recognized as a [Scotsman Guide Top Workplace](https://www.scotsmanguide.com/features/top-workplaces-2026/) **About the Role** Lendz Financial is seeking an experienced and detail-oriented Post-Closing Underwriter to join our growing Operations team. This role is designed for a mortgage professional with a strong understanding of loan documentation, post-closing processes, and investor delivery requirements who can ensure loans are accurately completed, purchased, and delivered with the highest level of quality and efficiency. Rather than serving solely as an administrative reviewer, this individual will play a critical role in protecting loan salability, maintaining file integrity, and supporting operational excellence throughout the post-closing lifecycle. The ideal candidate brings a thorough understanding of residential mortgage documentation—particularly within Non-QM lending—and can proactively identify and resolve issues that may impact investor purchase, compliance, or collateral completeness. **This is a fully remote position**, within a collaborative, high-accountability environment that values ownership, continuous improvement, and professional growth. **What You'll Do** - Conduct detailed post-closing reviews of residential mortgage loan files to ensure accuracy, completeness, and salability - Review executed loan documents for compliance with company, investor, agency, and regulatory requirements - Audit closed loan packages to identify missing documentation, document discrepancies, signature deficiencies, and data inconsistencies - Coordinate with Closing, Processing, Underwriting, Account Management, and external settlement partners to obtain required corrections and trailing documents - Manage post-closing conditions and clear outstanding deficiencies in a timely manner - Ensure collateral files are complete, accurately imaged, and prepared for investor purchase and delivery - Review final loan documentation for adherence to product guidelines, closing instructions, and internal policies - Monitor and track trailing documents, including recorded mortgages, final title policies, assignments, and other collateral-related items - Assist with investor purchase suspense resolution and respond to post-purchase documentation requests - Support loan boarding, shipping, and investor delivery processes as applicable - Maintain accurate records of post-closing activity, exception tracking, and document status reporting - Partner cross-functionally with Operations, Underwriting, Secondary Marketing, Compliance, and Quality Control teams to resolve file-level issues efficiently - Identify recurring documentation or process deficiencies and provide recommendations for operational improvements - Support internal audits, due diligence reviews, regulatory examinations, and investor inquiries as needed - Stay current on Non-QM product requirements, investor guidelines, and applicable federal and state regulations - Contribute to a collaborative team environment focused on accountability, operational excellence, and continuous improvement **What We're Looking For** - 3+ years of mortgage underwriting, post-closing, closing, collateral, funding, quality control, or related mortgage operations experience - Strong understanding of residential mortgage loan documentation and post-closing workflows - Experience reviewing closed loan packages for accuracy, completeness, and investor compliance - Familiarity with Non-QM loan products, including Bank Statement programs, DSCR, Asset Utilization, and 1099 income loans - Working knowledge of mortgage compliance regulations, including TRID, RESPA, ECOA, ATR/QM, and applicable federal and state requirements - Understanding of collateral management, trailing document processes, investor delivery requirements, and loan salability standards - Ability to identify documentation deficiencies, assess materiality, and resolve issues efficiently - Excellent organizational skills with strong attention to detail and accuracy - Strong written and verbal communication skills, with the ability to work effectively across multiple departments and external partners - Ability to manage multiple priorities and deadlines in a fast-paced environment - High level of accountability, professionalism, and ownership - Experience with mortgage loan origination systems, document management platforms, and Microsoft Office Suite - Previous experience with Non-QM lending, investor delivery, collateral review, or quality control preferred **What We Offer** - Highly subsidized medical insurance - Low-cost dental and vision insurance - 401(k) program - Health Savings Account (HSA) - Generous paid time off and company holidays - Ongoing training, mentorship, and professional development opportunities - A collaborative and supportive work environment that values ownership, innovation, and growth