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Lending Quality Assurance Manager

Remote

About Figure

Figure is maximizing the value of homeownership in ways that benefit consumers and the industry alike. We’re helping homeowners tap their liquidity easily, efficiently and reasonably for purpose-driven, significant expenditures – everything from dream home renovations and debt consolidation to small business formation.

In seven years, we’ve become the country’s #1 non-bank HELOC lender. As a financial technology firm operating at the intersection of regulation and transformation, we’re a “unicorn” – a group of fewer than 1000 companies globally that is valued at $1B or more and has been in operation for less than ten years. 

Our mission requires us to have a creative, team-oriented, and supportive environment where everyone can do their absolute best. We are motivated, innovative, collaborative, and curious. We value individuals who bring a problem-solving mindset to every task. Every day at Figure is a journey in continuous learning combined with a focus on getting work done that makes a difference. Join us!

Wealthfront Career-Launching Company 

Figure Series D Announcement

About the Role

We’re looking for a high-performing, analytical, data-driven Quality Assurance (QA) Manager to join our growing team! In this role, you will partner cross-functionally and help lead the pre-closing QA function in delivering a best-in-class product and customer experience.

What You’ll Do

  • Develop and maintain a strong Quality Assurance program.
  • Perform Quality Assurance reviews on Figure’s lending products such as  HELOCs and mortgages.
  • Assist with monthly QAC reporting, data analysis, and defect trending within QA/QC software and tools 
  • Collaborate with Lending Operations, Product, and Data to improve loan production quality and risk detection 
  • Partner with the Compliance and Capital Markets teams to ensure processes, procedures, and loan products meet investor eligibility requirements 
  • Recommend underwriting and change-management enhancements based on QA audit results and industry/investor product changes 
  • Underwrite Figure loan files for income calculations, assets, red flags, credit, and collateral.
  • Review file data integrity and identify defects in the loan production process
  • Perform credit analysis, ensuring all loans meet agency and investor eligibility
  • Review pre-closing loan documents to ensure compliance with all Federal, State, and local compliance requirements and regulations
  • Work closely with Lending Operations on trending defects and remediation
  • Recommend and implement enhanced quality assurance methodologies and metrics to improve overall quality

What We Look For

  • 5+ years of regulatory underwriting, compliance, quality assurance, lending operations, or related experience
  • Bachelor’s Degree 
  • Ability to handle several projects at once while staying organized, detail oriented, and diligent
  • Ability to work effectively across functions to achieve common goals
  • Strong communication skills - ability to articulate verbally and in writing, plans, processes, policies, and issues to stakeholders
  • Ability to thrive in a fast-paced startup environment
  • Experience navigating and applying Fannie Mae conforming, and investor and aggregator and non-conforming, underwriting guidelines
  • Competency in, and understanding of investor, rating agency and third-party review requirements
  • Knowledge regarding federal and multi-state regulations impacting the mortgage industry a plus
  • Strong analytical skills and attention to detail and time management
  • Ability to handle multiple assignments in a high production, timeline sensitive environment with minimal supervision
  • Excellent verbal and written communication
  • Proficient in Microsoft office products especially Excel as well as QA testing software

Salary

  • Compensation Range: $109,120 - $136,400
  • Quarterly 25% bonus target
  • Equity stock options package
  • This is the compensation range for the United States, actual compensation may vary based on individual candidate experience, location, or evolving business needs

Benefits

  • Comprehensive health, vision, and dental insurance with 100% employer-paid premiums for employees and their dependents on select plans
  • Company HSA, FSA, Dependent Care, 401k, and commuter benefits
  • Employer-funded life and disability insurance coverage
  • 11 Observed Holidays & Accrued PTO plan
  • Up to 12 weeks paid family leave
  • Continuing education reimbursement

Depending on your residential location certain laws might regulate the way Figure manages applicant data. California Residents, please review our California Employee and Prospective Employee Privacy Notice for further information. By submitting your application, you are agreeing  and acknowledging that you have read and understand the above notice.

Figure will not sponsor work visas for this position. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification form upon hire. 

#LI-RF1 #LI-Hybrid

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