Commercial Quality Control Specialist

Burke & Herbert Bank & Trust; Moorefield (WV); On-site; USD 42,000 - 62,000; Full time

Job summary

Ideal candidates have 2 years in compliance reviews and a 4-year degree or equivalent, with TRID/Reg Z knowledge and strong attention to detail. Office-based with standard banking workflows.

Qualifications

• 2 years experience in conventional and government compliance and loan file reviews.
• In-depth knowledge of federal, state, and local compliance regulations included (Truth in Lending; ECOA; Reg Z; Reg B; Reg X).
• Advanced knowledge of closing function including underwriting conditions to closing, TRID, and closing procedures.

Responsibilities

• Conduct pre-funding review of commercial loans to ensure accuracy and completeness of closing packages.
• Conduct post-closing review of completed commercial loan documents for regulatory compliance.
• Perform independent compliance and post-closing audits to verify investor guidelines are met.
• Identify deficiencies and maintain records of audits and responses.
• Verify that loan terms match those approved in the loan request/presentation.
• Ensure closers correct outstanding errors prior to closing.
• Establish and maintain production standards and quality requirements.
• Produce QC reports for pre/post-funding and denied/early payoff files.
• Collaborate with auditors to resolve exceptions related to underwriting and data integrity.
• Manage and report QC monthly review of production to Director of Loan Operations.
• Coordinate with other departments on action plans for QC exceptions.
• Determine if internal/external parties meet lender guidelines for loan programs.

Skills

Compliance knowledge

Loan file review

Regulations TRID/Reg Z

Detail-oriented

Microsoft Office

Education

4-year college degree or equivalent

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Commercial Quality Control Specialist

Moorefield, WV, US

3 days ago Requisition ID: 2464

Commercial Quality Control Specialist

CLASSIFICATION: Non-exempt

REPORTS TO: Loan Quality Control Manager

DATE: September 18, 2025

JOB DESCRIPTION

Summary/Objective

Responsible for reviewing commercial pre-closing and post-closing loan packages to ensure accuratedocumentation, compliance with regulations, identification of legal issues and adherence to bank policies and department procedures.

Essential Functions

• Conducts pre-funding review of commercial loans to ensure accuracy and completeness of closing packages.
• Conducts post-closing review of completed commercial loan documents to ensure compliance with all Federal, State, and local regulations.
• Acts as an independent reviewer to conduct compliance and post-closing audits on commercial loans to ensure compliance and investor guidelines have been met.
• Identify areas of deficiency and maintain records, responses, and results of all audits.
• Verify that the terms included in loan documentation match terms approved in the loan request and/or loan presentation.
• Ensure loan closers correct outstanding errors prior to closing.
• Establish and maintain production standards and quality requirements.
• Responsible for the quality control reporting of pre-funding and post-funding files in addition to denied loan files and early payment defaults.
• Work independently with auditors to resolve exceptions, questions, and concerns about underwriting, documentation, and data integrity errors.
• Assign, manage, and report Quality Control monthly review of production to Director of Loan Operations.
• Work with other department managers in complying with responses and action plans for Quality Control exceptions.
• Determine if internal/external parties involved in all aspects of the loan have successfully met the guidelines and responsibility for particular loan programs.

Other Duties

• Other duties as assigned.

Skills/Abilities

• Detail-oriented and well-organized.
• Highly professional in all written and verbal communications.
• Advanced computer skills with working knowledge of Microsoft Office (Word, Excel, Outlook).
• Able to manage time efficiently and prioritize workloads to meet strict deadlines while handling multiple tasks.
• Thorough knowledge of various types of secured and unsecured commercial transactions, loan products, and legal and regulatory issues related to lending.

Supervisory Responsibility

This position does not have supervisory responsibilities.

This job operates in an office setting, the opportunity to telework is not available. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Office environment with job duties conducted via telephone, face to face meetings, and on the computer.

Physical Demands

This position requires manual dexterity, the ability to lift files and open cabinets. This position requires bending, stooping or standing as necessary.

Travel

Limited local travel may be requiredfor this position.

Education and Experience

• 2 yearsexperience in conventional and government compliance, loan file reviews, or associated processes in the lending industry required.
• 4-year college degree or equivalent additional related work experience preferred.
• In-depth knowledge of all federal, state, and local compliance regulations to include: Truth in Lending; Equal Credit Opportunity laws, Reg Z, Reg B, and Reg X.
• Advanced knowledge of total closing function to include: underwriting condition to closing, closing instructions, closing procedures, and TRID.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.