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About the Role
The Mortgage Quality Control Analyst supports UNMB's compliance efforts by monitoring mortgage regulations, conducting compliance risk assessments, coordinating audits, and providing guidance on regulatory requirements. This role helps identify and mitigate risks across lending systems, products, and services to ensure adherence to federal and state requirements and maintain the integrity of UNMB's mortgage operations.
Responsibilities
- Conducts Pre-closing audits of mortgage loans, identifying deficiencies related to agency, investor, or internal requirements.
- Conducts Post closing audits of mortgage loans, identifying deficiencies related to agency, investor, regulatory, or internal requirements.
- Completes independent calculation and analysis of key aspects of mortgage file, including compliance requirements, loan-to-value and debt-to-income ratios, employment/income, assets, credit, liabilities, and collateral.
- Completes independent unbiased validation and re-verification of data/documentation relied upon during the loan decision.
- Evaluates decision made by origination underwriter and completion of other required items attributable to various business units.
- Assist in conducting monthly compliance audits to determine violations of procedure or law.
- Responsible for the annual maintenance and updating of Quality Control Manual to align with industry standards and regulatory updates.
- Manage, perform, or outsource all government insuring/guarantee requirements.
Requirements
- Minimum 2 years' recent experience in residential mortgage lending quality control and/or origination underwriting, or 5 or more years' residential mortgage processing experience with current or past credit decisioning authority.
- Experience with Encompass Loan Origination System and QC Software is preferred.
- Understanding of regulatory compliance applicable to mortgage lending including TILA, RESPA, ECOA, FCRA and other applicable laws.
- Strong knowledge of Fannie Mae/Freddie Mac guidelines is required.
- Firm comprehension of Desktop Underwriter ("DU"), and Loan Product Advisor ("LPA") Findings Summaries/Feedback Certificates.
- Proven ability to influence at all levels within the organization.
- Organizational skills permitting the effective management of several concurrent projects and priorities.
- Strong computer literacy and expertise with Microsoft Office suite.
- Excellent verbal and written communication skills.
- Ability to coordinate multiple tasks simultaneously.
- Ability to understand and respond to a diverse population.
- Ability to perform some repetitive motion activities.
- Ability to sit for long periods of time.
- Ability to require close vision and the ability to adjust eye focus often.
- Ability to talk and hear.
- Ability to reach with hands and arms.
- Requires minimal weight to be lifted (not more than 10 pounds) or force exerted on a regular basis.
- Ability to communicate electronically.
- Ability to occasionally stoop, kneel, crouch, and crawl.
- All offers are contingent on the successful completion of criminal background check.
Skills
- Mortgage lending
- Quality control
- Origination underwriting
- Mortgage processing
- Credit decisioning
- Encompass Loan Origination System
- QC Software
- Regulatory compliance
- TILA
- RESPA
- ECOA
- FCRA
- Fannie Mae guidelines
- Freddie Mac guidelines
- Desktop Underwriter (DU)
- Loan Product Advisor (LPA)
- Microsoft Office suite
- Verbal communication
- Written communication
Experience Level
- Minimum 2 years' recent experience in residential mortgage lending quality control and/or origination underwriting
- 5 or more years' residential mortgage processing experience
Education Level
- Bachelor's Degree Required