Mortgage Quality Control Analyst

Coca-Cola Beverages Northeast; City of Olean (NY); On-site; USD 26,000 - 35,000; Full time

Benefits offered by this job

11 paid holidays

Medical insurance

Vision & Dental insurance

401K with generous match

Pension

Job summary

Community Financial System, Inc. (CFSI) is seeking a mortgage processing professional responsible for evaluating loan applications, ensuring compliance with TILA-RESPA, HMDA and related regulations, and determining borrower creditworthiness.

The role requires attention to detail and strong analytical skills. The position emphasizes adherence to guidelines, coordinating closing actions, and maintaining accurate documentation, with opportunities for advancement within the bank's retail and

Qualifications

• Associates Degree or equivalent mortgage processing experience or legal office real estate closing experience required.
• Proficient reading, writing, grammar and mathematics skills.
• Ability to analyze and interpret income, assets and credit.
• Good written and verbal communication skills.
• Research and problem solving skills.
• Proficient in Microsoft Word and Excel.
• Two (2) years Mortgage experience preferred.

Responsibilities

• Understand, review and maintain compliance with TILA-RESPA, ATR/QM, and HMDA requirements.
• Review loan applications and supporting documents to assess credit worthiness and ensure guideline adherence.
• Adhere to Bank QC timing requirements.
• Provide corrective action on findings to management for problem loan applications.
• Review closing documents to ensure regulatory compliance and coordinate with loan office or attorney for corrections.
• Review LE and CD to ensure RESPA compliance.
• Prepare loans to proceed to closing table.
• Review flood files and participate in writing procedures.
• Cooperate with department and other departments to meet goals.
• Maintain ongoing regulatory compliance and training.

Skills

Credit analysis

Regulatory compliance

Attention to detail

Communication

Education

Associate’s degree or mortgage processing/real estate closing experience

Tools

Microsoft Word

Excel

Job description

Community Financial System, Inc. (CFSI) is seeking a mortgage processing professional responsible for evaluating loan applications, ensuring compliance with TILA-RESPA, HMDA and related regulations, and determining borrower creditworthiness.

The role requires attention to detail and strong analytical skills. The position emphasizes adherence to guidelines, coordinating closing actions, and maintaining accurate documentation, with opportunities for advancement within the bank's retail and