Quality Control Analyst

• Prepare TRID-compliant Loan Estimates (LEs), Change of Circumstances (COCs), and Closing Disclosures (CDs).
• Review loans for compliance with all applicable mortgage regulations including RESPA, TILA, HMDA, Regulation B, and other relevant guidelines.
• Prepare and issue all required regulatory disclosures accurately and within mandated timeframes.
• Ensure all loan documentation is complete, accurate, verified, and consistent with bank policy and investor guidelines.
• Review and analyze borrower documentation and third-party reports, including appraisals, title commitments, and credit reports.
• Perform quality review and analysis of borrower credit, employment history, income, and assets in accordance with applicable loan program requirements.
• Verify conditions of approval, including income/asset documentation, credit review, and property eligibility.
• Review bank-prepared forms for accuracy and inconsistencies; advise on necessary corrections prior to closing.
• Monitor and manage the loan pipeline to ensure timely closings and adherence to compliance deadlines.
• Assist management in periodic loan audits to verify compliance with bank policy and regulatory requirements.
• Maintain up-to-date knowledge of mortgage products, market conditions, and regulatory changes.
• Manage a high-volume pipeline while meeting product-specific turn time requirements.
• Perform other projects and duties as assigned by management.

Required Qualifications:

• Minimum 2-3 years of experience in mortgage loan processing, quality control, compliance, or underwriting.
• Working knowledge of TRID, RESPA, TILA, HMDA, Regulation B, and other applicable Federal and State mortgage regulations.
• Experience preparing Loan Estimates, Closing Disclosures, and Change of Circumstance notices.
• Strong analytical ability with experience reviewing and validating borrower financial documentation.
• Proficiency in Microsoft Office Suite (Word, Excel, Outlook) required.
• Experience with Loan Origination Systems (LOS); Encompass or similar platform preferred.
• Exceptional attention to detail and strong organizational skills.
• Effective written and verbal communication skills.
• Ability to work independently with minimal supervision in a fast-paced environment.
• Flexibility to work overtime as needed to meet closing deadlines.

• Experience with FHA, VA, USDA, or conventional loan programs.
• Familiarity with Fannie Mae (FNMA) and Freddie Mac (FHLMC) guidelines.
• Prior experience in a community bank or financial institution setting.

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