Mortgage Quality Control Analyst

Aplusfcu; Austin (TX); On-site; USD 70,000 - 90,000; Full time

Job summary

A leading credit union is seeking a Mortgage Quality Control Analyst to oversee its mortgage lending quality control program. The role ensures compliance with regulations and standards while managing loan reviews and improving quality processes. Ideal candidates will have extensive experience in mortgage quality control and compliance, alongside strong analytical and communication skills.

Qualifications

• Minimum 7 years in a financial institution, 5 years in mortgage QC.
• Underwriting experience preferred.

Responsibilities

• Oversee mortgage quality control program for compliance.
• Conduct third-party reviews and collaborate with leadership.
• Prepare monthly reports on findings.

Skills

Attention to detail

Analytical skills

Communication

Problem-solving

Education

High school diploma or GED

Tools

Microsoft Office Suite

Job description

Current job opportunities are posted here as they become available.

The Mortgage Quality Control Analyst oversees the Credit Union’s mortgage lending quality control program to ensure compliance with all applicable regulations, investor guidelines, and industry standards. This role manages third-party loan reviews, implements quality control processes, analyzes loan trends, and partners with leadership to maintain the integrity and efficiency of mortgage lending operations.

Quality Control Responsibilities

• Develop and maintain the mortgage lending quality control program in collaboration with third-party loan review providers.
• Implement procedures to ensure compliance with Fannie Mae, Freddie Mac, FHA, and VA guidelines.
• Ensure third-party reviews align with GSE guidelines and internal policies.
• Conduct due diligence on third-party findings and assess mortgage loan applications for regulatory compliance.
• Collaborate with leadership to identify trends, risks, and recommend corrective actions.
• Prepare and present monthly reports summarizing findings and recommendations.
• Provide training and guidance to staff on compliance and loan quality best practices.
• Support the development of new mortgage products and services with a focus on compliance.
• Collect and report HMDA data in coordination with Corporate Compliance.
• Monitor the mortgage loan pipeline for compliance and regulatory adherence.
• Monitor industry trends to support continuous improvement.
• Stay current with regulations including TRID, HMDA, Regulation B, UDAAP, and Fair Lending.
• Participate in organizational or departmental projects.
• Conduct monthly one-on-one meetings with manager.
• Represent the Credit Union at sponsored activities and community events.
• Attend meetings, training sessions, and other initiatives as needed.
• Maintain strict confidentiality of member information.
• Perform other duties as assigned.

Education and Experience

• High school diploma or GED required.
• Minimum 7 years of experience in a financial institution.
• At least 5 years of experience in mortgage and quality control.
• Underwriting experience (5 years) preferred.

Knowledge, Skills & Abilities

• In-depth knowledge of mortgage origination, underwriting, and QC requirements (Fannie Mae, Freddie Mac, FHA, VA).
• Strong understanding of federal and state compliance laws (TRID, RESPA, TILA, ECOA, HMDA).
• Exceptional attention to detail and accuracy.
• Ability to identify risks and compliance issues.
• Strong written and verbal communication skills.
• Ability to work independently and collaboratively.
• Excellent research, problem-solving, and analytical skills.
• Ability to manage multiple priorities and maintain confidentiality.
• Proficiency in Microsoft Office Suite.
• Familiarity with A+FCU policies and procedures.
• Professional appearance.
• Ability to manage stress and perform under pressure.
• Leadership qualities with integrity and trustworthiness.
• Strong ethical standards in computing and data handling.
• Flexibility in work hours and emergency responsiveness.
• Dependability and accountability.

Physical Requirements

• Ability to work a minimum of 40 hours per week.
• Frequent reaching, bending, stooping, carrying, and data entry.
• Effective communication via phone, email, and in-person.
• Strong problem-solving skills for field-related issues.

Supervisory Approval Required For

• Any decisions outside of established Credit Union policies and procedures.