Home Loans Post Closing Quality Control Analyst

The Role:

At SoFi, we’re under a mission to help our members achieve financial independence to realize their ambitions. Our Mortgage team is at the forefront of this, ensuring that the dream of homeownership is built on a foundation of integrity and precision.

We are looking for a Post Closing Mortgage Quality Control Analyst who possesses a keen eye for detail and a passion for "getting it right." You won't just be checking boxes; you’ll be a critical line of defense ensuring our loan files meet the highest standards of quality, compliance, and GSE requirements. If you thrive in an environment where you can navigate complex data, escalate issues with confidence, and contribute to the continuous improvement of our lending operations, we want to talk to you.

What You’ll Do:

• Audit Excellence: Conduct comprehensive post-closing audits on mortgage loan files to ensure compliance with federal/state regulations, internal policies  and investor guidelines. Audit Right of Rescission compliance ensuring perfect timing and disclosure to maintain 100% investor saleability.
• Financial Reconciliation: Perform detailed ALTA Settlement Statement reconciliations to ensure all fees, credits, and disbursements are accurate and documented.
• Data Integrity: Oversight of the Loan Boarding process, ensuring data transfers from the LOS to the servicing system are seamless and error-free.
• Trailing Docs & Custodial Care: Manage the quality review of trailing documents (Title Policies, Recorded Deeds of Trust) to ensure lien perfection and secondary market saleability.
• Cross-Functional Collaboration: Partner with various lines of business (Underwriting, Closing, Servicing etc.) to escalate identified defects and coordinate remediation efforts.
• Strategic Reporting: Synthesize audit findings into clear, actionable summaries for management, highlighting trends and recommending process improvements.
• Compliance Watchdog: Stay ahead of the curve on changing TRID, RESPA, and TILA regulations to ensure SoFi remains a leader in compliant lending.

What You’ll Need:

• The Experience: 5+ years of experience specifically in Mortgage Post-Closing, Quality Control, or a closely related audit function with an emphasis on TRID Compliance for mortgage transactions.
• GSE Expertise: Deep familiarity with Fannie Mae and Freddie Mac selling/servicing guides.
• Technical Chops: Proficiency in Google Suite and Intermediate Excel skills (you should be comfortable with VLOOKUPs, pivot tables, and navigating large data sets).
• Analytical Mindset: The ability to spot a needle in a haystack and the persistence to see an issue through to resolution.
• Communication Skills: Strong written and verbal skills; you can explain complex compliance issues to stakeholders in a way that is easy to understand.
• Self-Starter Mentality: You’re comfortable working in a fast-paced, remote-first environment where your "owner’s mindset" helps you manage your own desk effectively.

Nice to Have:

• Education: Bachelor’s Degree in Finance, Business, or a related field.
• Specialty Loans: HELOCs, Portfolio Loans, and Closed End Second experience.
• Servicing Knowledge: Prior experience in Loan Servicing or Default Management.
• Tech Stack: Experience with Encompass or similar Loan Origination Systems (LOS).  ACES Quality Management (including checklist creation) and MSP experience is also a plus.