Description
Cake Mortgage is a progressive National Mortgage Lender based out of Chatsworth, CA offering both competitive compensation and career growth. We are always looking for like-minded passionate individuals to join our team and grow within our organization.
We are seeking a detail-oriented and highly organized VOE & CPA Verification Specialist to join our team. This role is critical in ensuring the accuracy and integrity of key documentation on bank statement and P&L-based loans. The ideal candidate will be responsible for verifying employment information (VOE) and conducting outbound calls to CPA offices to confirm the authenticity of CPA letters used to support borrower income.
Key Responsibilities:
Contact employers to complete verbal or written Verification of Employment (VOE) for borrowers as required per loan program guidelines.
Call CPA offices to verify that CPA letters—used to support borrower-prepared P&Ls—were in fact issued and signed by the licensed professional listed.
Confirm the CPA’s license number, office contact information, and relationship to the borrower.
Document all verification attempts and outcomes in the loan file and internal systems with clear, auditable notes.
Flag any discrepancies or red flags to the Underwriting or Credit Risk teams for further review.
Work collaboratively with processors, underwriters, and credit analysts to ensure all documentation meets investor and company guidelines.
Maintain service level expectations for turn times and communication responsiveness.
Protect borrower privacy and maintain strict adherence to compliance and data security standards.
Requirements
1–2 years of experience in mortgage operations, preferably in VOE processing or income verification.
Understanding of non-QM loan programs, especially P&L and bank statement documentation, is a plus.
Excellent verbal communication skills and confidence making outbound calls.
Strong attention to detail and ability to spot inconsistencies in documentation.
Experience working in Encompass or other LOS platforms preferred.
Ability to work in a fast-paced environment while maintaining high accuracy and professionalism.
Preferred Traits:
Comfortable speaking with accountants, CPAs, and employer HR departments.
Self-starter who can manage a queue of files and prioritize effectively.
Team player with a solutions-first mindset.
Highly ethical with a strong sense of borrower data protection and compliance.
Cake Mortgage does not tolerate discrimination of any type. Cake Mortgage offers equal employment opportunity to all qualified persons without regard to race, age, color, religion, sex/gender, gender identity, sexual orientation, marital status, medical condition, military or veteran status, national origin, ancestry, disability, or any other considerations made unlawful by Federal, State, or Local law. Cake Mortgage provides eligible and qualified employees with opportunities to advance. Cake Mortgage is an at will employer. Cake Mortgage is committed to providing employees with a work environment free of discrimination and harassment.
