Staff Accountant (Mortgage Lending / QuickBooks Online)

Job Title: Staff Accountant (Mortgage Lending / QuickBooks Online)

Location: Remote (open to global talent)

Compensation: Up to USD $2,500/month (full-time), based on experience

Schedule: Monday–Friday | 30–40 hrs/week (starts at 30 hrs during onboarding/cleanup, may move to 40; min. 4 hours daily overlap with Pacific Time)

Type: Independent Contractor

About the Role

We're hiring a Staff Accountant with mortgage lending experience to own day-to-day accounting for a U.S.-based correspondent mortgage lender. You'll maintain accurate financial records in QuickBooks Online, manage loan-level accounting from funding through investor purchase, execute month-end close, and keep warehouse line reconciliations clean.

This is a detail-heavy, process-driven role for a self-directed accountant who works confidently from documented procedures. Mortgage-specific accounting — warehouse lines, purchase advices, and gain-on-sale — sits at the core of the day-to-day.

What You'll Do

• Record loan funding, loan sale activity, warehouse line advances/payoffs, escrows, gain-on-sale entries, and interim interest in QuickBooks Online using standardized journal entry templates.
• Maintain the loan-level subledger from funding through investor purchase, tying out against purchase advices.
• Perform daily warehouse line reconciliations and promptly report any discrepancies.
• Classify and record daily income and expenses; manage the AP inbox and process vendor invoices per documented procedures.
• Prepare and reconcile weekly commission and revenue-share reports, plus AP aging and ACH request reports for leadership approval.
• Execute monthly close — loan-held-for-sale reconciliations, balance tie-outs, and bank, credit card, and trust account reconciliations.
• Prepare monthly financial reports and supporting schedules, and maintain depreciation schedules and recurring journal entries.
• Complete historical reconciliation and cleanup projects, and support external audits with schedules and requested documentation.

What We're Looking For

• 2+ years of accounting or bookkeeping experience within a mortgage lender, mortgage banker, or similar financial services environment.
• Experience with warehouse lines, purchase advices, and gain-on-sale accounting strongly preferred.
• Proficiency with QuickBooks Online.
• Advanced Microsoft Excel or Google Sheets skills.
• Ability to work independently from documented processes with minimal supervision.
• Strong written English and proactive communication — flagging issues before they become problems.
• Availability to dedicate this role as a primary professional commitment.
• Reliable internet connection and a secure, private remote workspace.

Nice to Have

• Experience with loan origination systems such as ARIVE or similar platforms.
• Experience supporting financial audits or regulatory examinations.
• Familiarity with mortgage trust or impound account handling.
• Experience working with US-based lenders.
• Knowledge of US GAAP accounting practices.