Mortgage Compliance and Quality Control Specialist

First United Bank; Plano (TX); On-site; USD 60,000 - 80,000; Full time

Job summary

First United Bank in Plano is seeking a Mortgage Compliance and Quality Control Specialist to oversee compliance with regulations in the mortgage loan lifecycle. Responsibilities include conducting quality control reviews and collaborating with various departments to ensure adherence to federal and state laws.

The ideal candidate will possess a high school diploma, preferably a Bachelor of Science in Business, along with at least two years of relevant experience. Excellent analytical and communication skills are essential for this role.

Qualifications

• Minimum two years’ experience in mortgage lending or a banking environment.
• Technical knowledge of banking, mortgage, and compliance/regulatory matters.

Responsibilities

• Oversee mortgage loans to ensure compliance with regulatory requirements.
• Conduct quality control reviews and document findings.
• Provide regular compliance reports to senior management.
• Maintain up-to-date knowledge of mortgage compliance regulations.

Skills

Analytical skills

Organizational skills

Problem-solving skills

Detail-oriented

Verbal communication

Written communication

Education

High school diploma or equivalent

Bachelor of Science in Business

Tools

Microsoft Excel

Microsoft Word

Microsoft PowerPoint

Microsoft Outlook

Job description

MORTGAGE COMPLIANCE AND QUALITY CONTROL SPECIALIST

SUMMARY: The Mortgage Compliance & Quality Control Specialist is responsible for overseeing and ensuring adherence to federal and state regulatory requirements throughout the mortgage loan lifecycle. This role plays a critical part in maintaining compliance with applicable laws, conducting quality control reviews, and providing actionable insights to improve operational effectiveness and mitigate risk.

All Locations: Plano-Parkwood.

Responsibilities

• Oversee, review, and monitor mortgage loans during pre‑funding and post‑closing stages to ensure compliance with regulatory requirements, including TILA, RESPA, FCRA, ECOA, and other applicable laws.
• Conduct comprehensive quality control reviews and ensure all findings are properly documented and addressed.
• Provide regular compliance reports, summaries, and updates to senior management, highlighting trends, risks, and recommended corrective actions.
• Monitor and evaluate the loan origination system to ensure updates and configurations align with current regulatory requirements.
• Maintain up‑to‑date knowledge of mortgage compliance regulations and proactively identify upcoming changes that may impact operations.
• Perform monthly HMDA exception reviews, including data scrubbing, batch updates, and validation to ensure data integrity and accuracy.
• Conduct monthly Origination and Adverse HMDA testing and provide recommendations for process improvements.
• Identify recurring errors or trends in quality control reviews and elevate issues when thresholds are exceeded.
• Perform vendor quality control reviews to ensure third‑party compliance with regulatory and organizational standards.
• Conduct quarterly VA IRRRL quality control reviews and maintain accurate reporting and documentation.
• Collaborate with the Marketing Department to review mortgage‑related advertisements and ensure compliance with federal and state regulations.
• Other duties as assigned.

Additional Duties

• Perform other duties requested by Executive Management or Supervisor.
• Complete all required compliance training on a yearly basis.
• Adhere to all company policies and procedures and maintain professional dress.

Education & Work Experience

High school diploma or equivalent (GED) required. Bachelor of Science, Business preferred. Minimum two years’ experience in mortgage lending or a banking environment preferred or other professional business environment.

Technical / Functional Competencies

• Excellent analytical, organizational, and problem‑solving skills.
• Detail‑oriented with a strong commitment to accuracy and regulatory adherence.
• Proficient in Microsoft Excel, Word, PowerPoint, and Outlook.
• Experience with loan origination systems and compliance monitoring tools.
• Strong written and verbal communication skills with the ability to present findings to senior leadership.
• Ability to follow written and verbal directives, articulate ideas, work independently, and manage multiple projects while meeting strict deadlines.
• Demonstrated technical knowledge of banking, mortgage, federal and state lending and compliance/regulatory matters.

Equal Employment Opportunity Statement

First United is an Equal Opportunity Employer. To the extent required by Federal or State law, First United does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex, national origin, or any other characteristic protected by law.