Company: Trophy Point Capital
Position: Loan File Quality Analyst (Bank Pledging & Compliance)
Location: Remote-International
Status Type: Contractor
Compensation: $7–$9 USD/hour (commensurate with experience)
Website: https://trophypointcapital.com
Position Overview: Trophy Point Investment Group originates, services, and pledges residential transition loans across 32+ states. The Loan File Quality Analyst is responsible for reviewing closed loan files for accuracy, completeness, and compliance with bank pledging requirements, rep and warranty standards, and internal policies.
This role serves as a key internal quality and audit control, helping reduce pledge rejections, clawbacks, and audit risk while ensuring files are prepared for bank and regulatory review.
Key Responsibilities:
Loan File Quality & Bank Compliance
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Review closed loan files for completeness, accuracy, and compliance with internal, underwriting, and bank pledging requirements.
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Verify loan terms, title and closing documents, borrower information, wire instructions, insurance, property documentation, and other required conditions.
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Review files for rep & warranty and bank-specific requirements before pledging.
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Identify and document defects or exceptions and ensure files are ready for bank transfer.
Audit & Portfolio Compliance
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Maintain audit checklists, compliance documentation, and organized audit trails for reviewed files.
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Prepare loan files, exception summaries, and supporting documentation for bank examiners, external auditors, and regulatory reviews.
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Conduct periodic reviews of pledged loans and monitor ongoing compliance requirements.
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Track audit findings, compliance gaps, and corrective actions through resolution.
Remediation, Reporting & Process Improvement
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Coordinate with transaction, servicing, title, closing, and other teams to resolve documentation and compliance issues.
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Track remediation progress and escalate critical or unresolved issues.
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Maintain defect and remediation logs and prepare regular file quality and compliance reports.
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Identify recurring issues and recommend improvements to lending and closing processes.
Qualifications:
Requirements:
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Strong knowledge of residential mortgage or non-bank lending documentation and closing processes.
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Understanding of loan pledging, warehouse lending, or bank funding requirements preferred.
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Strong attention to detail with the ability to identify documentation and compliance defects.
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Experience with audit preparation, quality assurance, or compliance documentation.
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Strong organizational, analytical, and problem-solving skills.
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Proficiency with Excel/Google Sheets and document management systems.
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Excellent written and verbal communication skills.
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Ability to work independently in a remote environment and manage deadlines effectively.
Preferred Experience:
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3+ years of experience in mortgage or non-bank lending, loan operations, quality assurance, audit, or compliance.
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Experience with loan pledging or warehouse lending preferred.
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Experience preparing loan files for external audits or regulatory examinations.
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Experience coordinating with origination, transaction, closing, and servicing teams.
What Success Looks Like
Success in this role means consistently maintaining accurate, complete, and bank-compliant loan files while identifying and resolving defects before they create pledge, audit, or compliance issues. The analyst completes reviews and remediation within expected timelines, keeps audit documentation organized and up to date, responds promptly to bank and auditor requests, and proactively identifies recurring issues that can be addressed through process improvements.
Why Join Trophy Point:
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Be part of a premier private direct lender with a strong reputation in the real estate industry.
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Work with a dedicated and passionate team committed to excellence and integrity.
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Enjoy the flexibility and convenience of a remote working environment, with opportunities to work from anywhere in the world.
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Contribute to the financial growth and success of real estate investors across the country.
About Us: Trophy Point is a premier private direct lender providing flexible financing solutions for real estate professionals. Founded by West Point graduates, we uphold the highest standards of integrity and service.
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