Job Title: QC Operations Analyst
Compensation: 80K-150K
No 3rd Party Agencies/C2C
Client is re-writing the risk model for the non-QM mortgage market by combining data analytics, proprietary risk intelligence, and Loan Defect Insurance to turn mortgage manufacturing risk into quantifiable, insurable outcomes for lenders, investors, and RMBS issuers. The QC Operations Analyst is the hands-on execution layer of SDS's QC operations, reviewing loan files, validating exception reports, tracking remediation, and ensuring every loan Client binds has been reviewed to the standard its insurance product demands.
In this role you will:
• Coordinate transferring of loan file documentation between sellers and counterparties, requesting, tracking, and preparing documentation packages ahead of QC review and TPR submission.
• Review loan files and exception reports across SDS's QC workflow, validating defect flags, assessing severity, and confirming remediation completeness prior to binding.
• Compare company’s proprietary model outputs and third-party review findings against underlying loan documents to verify accuracy and identify gaps or inconsistencies. Provide feedback to relevant stakeholders.
• Communicate directly with sellers on outstanding exceptions, following up on remediation, logging responses, and escalating aged or unresolved items to the Head of Operations.
• Track exception remediation by sellers by maintaining accurate records of outstanding exceptions, remediation status, and escalation items.
• Maintain accurate loan-level records in SDS's claims management platform. Ensure data integrity across the QC pipeline and policy issuance.
• Assist in claims review by gathering and organizing loan file documentation, exception history, and QC records to support claim assessment and rebuttal.
• Identify patterns in defect types, originator performance, and exception recurrence, flagging observations to the Head of Operations, internal stakeholders.
• Produce QC status reports and exception aging summaries for internal review.
The Ideal Candidate:
• Has read enough loan files to know what a real defect looks like versus a documentation gap.
• Detail-oriented without losing sight of the bigger picture.
• Comfortable working independently in a fast-moving, lean environment.
Basic Qualifications:
• At least 3 years of experience in mortgage loan review, QC, due diligence, or underwriting.
• Solid understanding of non-QM loan types and their documentation requirements: DSCR, bank statement, asset depletion, foreign national.
• Familiarity with common underwriting defects, compliance violations, and fraud indicators in the non-QM space.
• Strong attention to detail and ability to manage multiple files and deadlines simultaneously.
• Proficiency in platform applications, Excel and document management systems. Leveraging LLM and AI tools as force multipliers.
Preferred Qualifications:
• Experience at a TPR firm, GSE seller/servicer review shop, correspondent lender, or mortgage due diligence company reviewing non-QM loan files.
• Familiarity with R&W repurchase processes, GSE defect taxonomy, or RMBS loanlevel review standards.
• Exposure to AI or model-assisted QC tools and ability to validate model-flagged exceptions against source documents.
• Experience supporting repurchase analysis, indemnification claims, or loan buyback review in a mortgage context.