Summary:
The QM Auditor is responsible for reviewing closed loans delivered for purchase to the client specific Correspondent Lending Division. The review consists of determining loan eligibility and compliance to Qualified Mortgage (QM) and Ability to Repay (ATR) guidelines.
Responsibilities:
- Use Company systems (including LOS and OnBase) to review loans for compliance to QM and ATR guidelines and perform loan level data entry into Company systems on each loan reviewed to determine purchase eligibility while meeting production and quality standards.
- Use Company systems to review and clear loan level suspense conditions
- Communicate with Lenders to answers questions, explain guidelines, and resolve loan level suspensions while demonstrating outstanding customer service levels
- Assist in review of monthly QA qualified mortgage related findings, analyzing trends, and reporting of data to Department Head.
Participate in regular team meetings regarding trends, training, and updates to policies and procedures
Education:
- College degree from a 4-year institution or equivalent experience preferred
Experience:
- Minimum 3 - 5 years of experience working in a mortgage banking operation preferred
- At least 1 year experience auditing closed loans at FAMC preferred.
- Extensive knowledge of the Ability to Repay/Qualified Mortgage Rule.
Must be familiar with automated underwriting systems including Fannie Mae’s Desktop Underwriter and Freddie Mac’s Loan Prospector.
Cognizant will only consider applicants for this position who are legally authorized to work in the United States without requiring company sponsorship now or at any time in the future
Cog2026
Cognizant will only consider applicants for this position who are legally authorized to work in the United States without requiring company sponsorship now or at any time in the future
Cog2026
关于高知特 (Cognizant)
高知特(Cognizant)（纳斯达克代码：CTSH）作为一家AI Builder和相关技术服务提供商，致力于通过打造全栈AI解决方案，帮助企业将人工智能投资转化为实际价值。公司凭借深厚的行业经验、流程优化和工程技术专长，将企业独特的业务场景融入科技系统，赋能组织释放人才潜能，推动切实成果，并帮助全球企业在瞬息万变的环境中保持领先。如需了解更多详情，敬请访问 cognizant.ai 或关注@cognizant。
补充雇佣信息
薪酬信息截至本职位发布之日为准。Cognizant 保留在适用法律允许的范围内随时修改该信息的权利。
申请人可能需要通过现场面试或视频会议的方式参加面试。此外，候选人在每次面试时可能需要出示其当前所在州或政府签发的有效身份证件。
Cognizant 是一家提供平等就业机会的雇主。在招聘过程中，您的申请和候选资格不会因种族、肤色、性别、宗教、信仰、性取向、性别认同、国籍、残疾、遗传信息、怀孕、退伍军人身份或任何其他受联邦、州或地方法律保护的特征而受到影响。
