Subservicing and Quality Control Manager

About the role

UNMB is seeking an experienced and detail-oriented Subservicing & Quality Control Manager to lead mortgage quality control, compliance oversight, and subservicer governance activities. This critical role is responsible for ensuring adherence to federal and state mortgage regulations, investor requirements, and agency guidelines while strengthening risk management across the loan lifecycle. The ideal candidate will oversee pre-closing and post-closing quality control reviews, conduct compliance and risk assessments, manage regulatory and investor audits, and provide oversight of third-party subservicers. This position plays a key role in protecting the integrity of UNMB's mortgage operations by identifying risks, driving corrective actions, and ensuring compliance with agency, investor, and regulatory standards.

Responsibilities

• Manage and perform pre-closing and post-closing mortgage loan quality control reviews.
• Identify and report loan defects, documentation deficiencies, compliance exceptions, and operational weaknesses.
• Independently validate income, assets, credit, liabilities, collateral, loan-to-value ratios, debt-to-income ratios, and regulatory compliance requirements.
• Conduct reverifications and independent file reviews to ensure the accuracy of information used in underwriting decisions.
• Evaluate loan origination, processing, underwriting, and closing activities for compliance with agency, investor, and internal standards.
• Assist with compliance testing and audits related to ECOA, Fair Lending, TILA, FDCPA, FCRA, EFTA, TCPA, UDAAP, SCRA, BSA/AML, OFAC, and other applicable regulations.
• Coordinate examinations and audits with regulators, investors, and external parties.
• Maintain and update UNMB's Quality Control Program and Quality Control Manual in accordance with HUD, VA, USDA, Fannie Mae, Freddie Mac, and other investor requirements.
• Track findings, identify trends, and ensure timely remediation of quality control and compliance issues.
• Lead UNMB's subservicer oversight program to ensure compliance with investor, contractual, and regulatory requirements.
• Conduct initial and ongoing due