Home Lending Quality Assurance Representative

1st Security Bank of Washington; Mountlake Terrace (WA); On-site; USD 70,000 - 85,000; Full time

Job summary

A financial institution in Mountlake Terrace is seeking a Home Lending Quality Assurance Representative. In this full-time role, you will be responsible for reviewing quality control measures related to mortgage origination and compliance. The ideal candidate will have strong analytical skills, attention to detail, and a bachelor's degree or relevant experience. Competitive benefits and a supportive work environment are offered.

Benefits

Full medical, dental, and vision coverage

Life insurance

401K matching program

Qualifications

• Experience with disclosures and post-close audits.
• Understanding of mortgage quality control regulations.
• Ability to work independently with limited supervision.

Responsibilities

• Conduct audits and rebuttal reports in a timely manner.
• Assist in updates of policies and procedures.
• Communicate solutions to audit documentation requests.

Skills

Analytical skills

Communication skills

Attention to detail

Education

Bachelor's degree or 10+ years of related experience

Tools

Encompass

Microsoft Office

Job description

Home Lending Quality Assurance Representative

Join to apply for the Home Lending Quality Assurance Representative role at 1st Security Bank of Washington

Home Lending Quality Assurance Representative

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Description

**This position is located out of our Mountlake Terrace Redstone II office and is a full-timeonsite position.**

Description

**This position is located out of our Mountlake Terrace Redstone II office and is a full-timeonsite position.**

A GREAT PLACE TO WORK AND BANK

Join our team! 1st Security Bank team members deliver service that "WOWs" each other and our customers. We value relationships, teamwork, community, and professional growth in a safe, friendly, and progressive workplace. We celebrate diversity and support equality for all. If you share these core values and are committed to career excellence, let us help you reach your dreams!

If you are the type of individual that would enjoy working at one of the Puget Sound's Best Places to Work for 9 years in a row and focuseson providing an exceptional client experience, then 1st Security Bank is the place for you. 1st Security Bank was named a bronze medal winner in its class in the Puget Sound Business Journal's Best Workplaces contest in its first year nominated and is also consistently rated a 5 star Bank in Washington State by Bauer Financial, an independent bank rating firm.

POSITION SUMMARY:

Individual is responsible for review of investor quality control measures including Fannie Mae, Freddie Mac, FHA, and VA as well as correspondent investor requirements. Individual will assist and report directly to Quality Assurance Manager in identification, monitoring, and reporting on both pre-funding and post-funding reviews related to the origination process, underwriting, process review, and documentation requirements per guidelines. Individual will also provide independent confirmation of Policy compliance with 1st Security Bank of Washington’s guidelines.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following:

• Conduct Post-Close and Prefunding audit and rebuttal report in a timely manner.
• Respond to Post-close audit documentation request from Fannie Mae, Freddie Mac, and third-party vendors in a timely manner.
• Clear Encompass Mavent Fail and communicate solution to requested party.
• Review HMDA data for accuracy and send initial and redisclosure as relates to Loan Estimates and TRID.
• Assist in the update of Disclosures, Post-Closing, PreFunding, and Pipeline Management policies and procedures.
• Attend regular meeting, take minute notes, follow-up on meeting request, and report directly to Quality Assurance Manager.
• Complete required monthly assigned BVS Compliance training courses.
• Performs other duties as assigned.
  
  
  

Benefits And Perks

• Full medical, dental, and vision coverage for individual or family plan.
• Life insurance.
• Long-term disability insurance.
• 401K matching program.
• Paid sick and vacation time.
  
  
  

OUR CORE VALUES

• Relationship Driven - we strive to "WOW" (surprise, excite and delight) each other and our customers.
• Ethical - fair, honest and act with integrity.
• Lead by Example - maintain a positive attitude, show respect for others, and have some fun!
• Accountable - we take our responsibilities seriously and we meet our commitments with urgency.
• Team Player - dependable, enthusiastic contributor to team success and to the greater good of the bank.
• Embrace Dreams - we encourage each other to reach for our dreams.
• Diversity - we celebrate diversity and support equality for all.
• Community Oriented - we actively support our communities and the Bank's CRA initiatives.
• Open and Honest Communication - always professional, responsive, and timely.
  
  
  

Qualifications

EDUCATION and/or EXPERIENCE

• Bachelor's degree or 10+ years of related experience; or the equivalent combination of education and experience.
• Prior experience and understanding of Disclosures, Post-Close Audit, Prefunding Audit, HMDA review, and Pipeline Management.
• Prior experience and understanding of regulations related to Mortgage Quality Controls, including TRID, RESPA, TILA, ECOA, and HMDA.
• Encompass and ACES software experience preferred.
• Ability to work independently with limited direct supervision. Attend meeting and take minutes.
• Ability to communicate across all departments within the organization.
• Strong analytic skills, attention to detail, and ability to work within time constraints.
• Excellent level of oral and written communication skills.
• Intermediate level of computer skills and the ability to function in a windows environment utilizing Outlook, Word and Excel.
  
  
  

COMPUTER SKILLS

To perform this job successfully, an individual should have advanced skills in Microsoft Office Products, Zoom and Microsoft Teams.

PHYSICAL DEMANDS AND WORK ENVIRONMENT

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• The employee will primarily operate in a general office environment, using office equipment such as a phone and a computer. The employee will also work in various client locations, which could have varying environments. Extensive travel is required, including overnight travel.
• The noise level in the work environment is usually quiet to moderate as compared to a private office with light foot traffic and office equipment. However, when traveling or at client locations, the employee may be exposed to significant noise, weather, and other discomfort. The employee must be able and willing and able to interact frequently with the general public.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Quality Assurance

• Industries

  Banking

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