Job Description

CapCenter is a growth-oriented mortgage, real estate, and title company focused on transparency, efficiency, and long-term customer trust. We’re seeking a detail-driven Mortgage Pre-Closing Quality Control Manager to lead our pre-funding QC efforts and help ensure loan quality, compliance, and investor confidence before loans close.

About the Role

As the Mortgage Pre-Closing Quality Control Manager, you’ll oversee CapCenter’s pre-funding quality control process, serving as a critical risk-management checkpoint prior to loan closing. You’ll work closely with Underwriting, Processing, Closing, and Compliance teams to identify defects early, drive corrective action, and support consistent, compliant loan production.

This role is ideal for someone with deep underwriting and guideline knowledge who enjoys being hands-on while also shaping scalable QC processes.

Key Responsibilities

• Manage and oversee the pre-closing (pre-funding) Quality Control program in accordance with FNMA, FHLMC, FHA, VA, USDA, and investor guidelines
• Perform and/or supervise pre-closing loan file reviews to identify compliance, credit, collateral, income, and documentation issues prior to funding
• Review conditions, underwriting decisions, and documentation for accuracy and guideline adherence
• Identify defect trends and root causes; escalate issues and recommend process improvements
• Partner with Underwriting, Processing, and Closing teams to resolve findings prior to loan closing
• Track and report pre-closing QC results, turn times, and defect trends to leadership
• Maintain and update pre-closing QC policies, procedures, and sampling methodology
• Ensure timely resolution of material findings that could impact salability or repurchase risk
• Serve as a subject matter expert on pre-funding risk, underwriting standards, and investor requirements
• Support internal audits, investor inquiries, and regulatory examinations related to pre-funding reviews

Qualifications

• 5+ years of mortgage experience with a strong focus on underwriting, quality control, or compliance
• Direct experience performing or managing pre-closing / pre-funding QC reviews
• Thorough knowledge of agency, government, and investor guidelines
• Strong analytical skills with the ability to identify trends and systemic issues
• Excellent communication skills with the confidence to challenge and escalate when necessary
• Highly organized, detail-oriented, and able to manage multiple priorities
• Experience working in an LOS and QC/audit tools (e.g., Encompass or similar systems)

Why CapCenter?

• Competitive compensation and benefits
• Hybrid work environment with flexibility
• Opportunity to build and refine pre-closing QC processes in a growing organization
• Collaborative culture focused on quality, compliance, and doing the right thing

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