QAQC Supervisor

WHO WE ARE: Xactus (pronounced ‘Zac-tus’) is the leading verification innovator for the mortgage industry. We have over 6,500 clients ranging from the largest bank and non-bank mortgage originators to credit unions and mortgage brokers. Xactus works closely with our clients to digitally integrate a 360° approach to verification across their workflows. As a result, lenders can easily access the technology necessary to meet consumer demands for a modern mortgage experience with industry-leading speed, reliability, and accuracy – while also closing more loans more quickly with greater profitability. Xactus is proud to provide a friendly work environment that is primarily remote (unless specifically a hybrid or on-site role). Our remote workforce provides many opportunities for you to enhance your skills while maintaining a healthy work/life balance. Our top-notch financial leadership team prioritizes building talent. If you are curious and searching for a change that will be fun and rewarding, please reach out to us! We would love to have you on our team! WHO YOU ARE: You are a career-minded, driven individual who is looking for a position that challenges you and supports your professional development. THE BENEFITS WE OFFER: - A friendly, supportive environment which is highly rated by Xactus employees. Feedback from our employees says: “The people I work with treat each other with respect,” “I feel accepted by my coworkers,” and “The person I report to cares about me as a person.” - Xactus offers medical, vision and dental insurances, bonus programs, fitness reimbursement and other healthy life-style programs through our benefits carrier, 401k plan with a company match, short and long-term disability, life insurance, accident and critical illness insurance, health savings account, flexible spending account, employee assistance program, legal services, employee discounts and more. SUMMARY: - Responsibilities include managing quality control operations staff as assigned, providing support with rebuttal submissions, training and serving as a subject matter expert on the team, ensuring that QA/QC projects are efficiently and accurately completed in compliance with agency guidelines and internal Policy and Procedures, while acting as a day-to-day contact for external clients. ESSENTIAL FUNCTIONS: - The following is a list of essential functions, which is subject to change at any time and without advance notice. Management may assign new duties, reassign existing duties, or eliminate a function based on business needs or at its sole discretion. ESSENTIAL DUTIES AND RESPONSIBILITIES: - Manage assigned team members. - Perform random reviews of work completed by the team (others as needed). - Develop training opportunities to further expand and enhance the team’s knowledge and practice experience. - Identify and assign necessary training. - Serve as a subject matter expert for other team members as needed. - Complete annual performance reviews. - Adhere to all personnel policies as directed by Human Resources as an individual contributor and manager. - Identify and communicate rebuttal trends based on client feedback and recommend corrective action. - Maintains day to day contact with clients. - Manage the process of rebuttals and sample selections in accordance with expected SLAs. - Conducts client calibration calls and relay necessary updates to audit staff. - Develop and manage Client Implementation process. - Manage the Appraisal Quality Control process and associated vendor relationships. - Communicate with all levels of management to provide insight into the team’s performance, goals and improvement metrics. - Serve as the primary point of contact from the Operations management team to identify and resolve QC system issues. - Coordinate with Quality Control Risk Manager to ensure internal Policy and Procedures are being followed. - Performs other duties as available by the Quality Control Risk Manager. - Performs other duties as required. QUALIFICATIONS: - To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION AND/OR EXPERIENCE: - Two – Five years mortgage underwriting/audit experience - Bachelor’s degree in business, or related field; or equivalent work experience. SKILLS AND COMPETENCIES: - Knowledge of Fannie Mae, Freddie Mac, FHA, and VA lending requirements and lending compliance. - Analytical ability to develop reports and supporting documentation. - Excellent verbal and written communication skills. - Self-directed and able to adjust tasks as needed by the business. - Sound decision and judgment making skills. - Knowledge of lending compliance such as TRID and current regulatory mandates is expected. - Ability to read, analyze, and interpret common mortgage and financial documentation. - Ability to effectively document and explain specific mortgage loan defects in a concise but thorough manner. - Use of proper grammar and spelling is a must - Ability to apply advanced mathematical concepts such as calculating complex income scenarios, liabilities and overall ratios for any given loan. - Ability to apply mathematical operations to assess credit eligibility criteria as required for agency underwriting approval. - Ability to define problems, collect data, establish facts, and draw valid conclusions. - Ability to perform self-directed research using agency guidelines, regulatory policies and state level compliance guidelines. WORKING CONDITIONS: - Traditional office environment with low-to-moderate office noise (computers, phones and business conversations). - The position may be remote from main offices. - May require occasional travel. - May require flexibility in hours. PHYSICAL DEMANDS: - Xactus promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and team members. - Please contact your supervisor with questions regarding the physical demands of this position. - Lifting/carrying up to 10 lbs. - Manual dexterity for computer work - Speaking, hearing and vision are required to perform essential functions. ADDITIONAL INFORMATION REGARDING EMPLOYMENT WITH XACTUS: - If applying for a position at Xactus, candidates must be a resident of the United States, and should be authorized and eligible for employment in the United States. - Xactus does not provide visa sponsorship at this time. - If hired to work at Xactus, employment is contingent upon successful completion of required background checks and pre-employment drug screening. - No agency submissions, please. We do not accept unsolicited resumes from third-party recruiters.