Lending Quality Control Specialist – Birmingham Branch

Southern Energy Credit Union; Birmingham (AL); On-site; USD 50,000 - 65,000; Full time

Job summary

Paycom - ATS in Birmingham, AL is seeking a Lending Quality Control Specialist to perform post-closing QC reviews of loan files, ensuring accuracy, compliance with regulations and internal policies.

You will liaise with lending staff to resolve issues, maintain QC databases, and assist with lien perfection, mortgage filings, and file archiving. The role demands attention to detail, strong communication, and the ability to manage multiple tasks independently.

Qualifications

• High school diploma required; bachelor's degree preferred.
• 3+ years experience in Consumer/Mortgage Lending, Real Estate, or equivalent.
• Experience in Consumer Loan Processing, Servicing, or Underwriting preferred.
• Accurate with strong attention to detail and organizational skills.

Responsibilities

• Maintain a QC database of originated and non-originated loan files (Consumer and Mortgage).
• Perform quality control audits on each loan file to verify applicable regulations and policies.
• Communicate with lending staff and management by phone and email to follow up on missing files and issues.
• Prepare and review reports (regularly scheduled and as assigned).
• Assist in accurately archiving lending files electronically.
• Assist with loan compliance monitoring activities to ensure lending practices align with policies and regulations.
• Assist with tracking lien perfection and mortgage filings, including UCC filings and mortgages.
• Other duties or projects as assigned.

Skills

Attention to detail

Organizational skills

Communication skills

Independent work

Multitasking

Education

High school diploma

Bachelor's degree or equivalent preferred

Tools

Microsoft Word

Microsoft Excel

Microsoft Outlook

Internet proficiency

Job description

# Loan Quality Control SpecialistMain Office - Birmingham, AL 35203## OverviewPosition TypeFull TimeCategoryBanking## DescriptionThe Lending Quality Control Specialist is part of the Lending and Operations Team and is responsible for conducting post-closing quality control reviews of loan files originated by the credit union. This role ensures that each file is reviewed for accuracy, completeness, regulatory compliance, and adherence to written policies and procedures. If a loan file does not meet established quality control standards, the Specialist will work directly with lending staff to identify and resolve the issue and will escalate matters to management when necessary.**Key Responsibilities:*** Maintain a Quality Control (QC) database of originated and non-originated loan files (Consumer and Mortgage)* Perform quality control audits on each loan file to verify that applicable regulations, internal policies, and established procedures have been followed* Communicate regularly with lending staff and management, by phone and email, to follow up on missing files, quality control issues, insurance concerns, lien recording matters, and related documentation; ensure all identified issues are tracked through resolution* Prepare and review reports (regularly scheduled and as assigned)* Assist in accurately archiving lending files electronically* Assist with loan compliance monitoring activities to help ensure lending practices, file documentation, and related processes align with credit union policies, established procedures, and applicable regulatory requirements* Assist with tracking lien perfection and mortgage filing requirements, including titles, uniform commercial code (UCC) filings, and mortgages, ensuring required documentation is completed, recorded, and followed up on in a timely manner* Other duties or projects as assigned## Qualifications**Essential Qualifications and Competencies:*** High school diploma required; bachelor’s degree or equivalent related work experience preferred* Minimum 3 years of experience in Consumer/Mortgage Lending, Real Estate, or equivalent* Experience in Consumer Loan Processing, Servicing, or Underwriting preferred* Accurate in completing responsibilities with strong attention to detail and organizational skills* Excellent communications skills: phone, personal contact/verbal and written* Ability to work independently, set priorities and handle multiple tasks* Strong abilities in problem solving, researching and decision-making* Keyboarding skills and proficiency in Word/Excel/Outlook and the internet with ability to learn new software applications* Able to accept and facilitate change* Willing to ask questions, seek clarification when needed, and respond constructively to coaching, feedback, and direction