Mortgage Quality Control Analyst

UNMB Home Loans Inc.; Town of Smithtown (NY); On-site; USD 65,000 - 95,000; Full time

Job summary

UNMB Home Loans Inc. in New York seeks a Mortgage Quality Control Analyst to support compliance efforts, monitor mortgage regulations, and coordinate audits across lending systems, products and services. You will analyze loan data, validate documentation, and advise on regulatory requirements to maintain integrity of mortgage operations.

A Bachelor's degree and experience with Encompass are preferred. This role requires strong communication, attention to detail, and the ability to manage

Qualifications

• Bachelor's degree required.
• 2+ years in residential mortgage lending QC or 5+ years in mortgage processing with decisioning authority.
• Knowledge of TILA, ECOA, FCRA and related laws.
• Familiar with DU/LPA findings summaries.
• Experience with Encompass LOS preferred.

Responsibilities

• Perform pre-closing audits to detect defects and prevent misrepresentations.
• Conduct post-closing audits to identify defects in loan files.
• Analyze key loan data including LTV, DTI, income, assets, and collateral.
• Validate data/documentation and order appraisals when needed.
• Evaluate origination underwriter decisions across units.
• Support monthly compliance audits for ECOA, TILA, FCRA, and others.
• Maintain and update Quality Control Manual per HUD/VA/GSE updates.
• Manage government insuring/guarantee requirements.

Skills

Mortgage QC

Underwriting

Regulatory compliance

Auditing

Education

Bachelor's Degree

Tools

Encompass

QC Software

Job description

Mortgage Quality Control Analyst – UNMB

The Mortgage Quality Control Analyst supports UNMB's compliance efforts by monitoring mortgage regulations, conducting compliance risk assessments, coordinating audits, and providing guidance on regulatory requirements. This role helps identify and mitigate risks across lending systems, products, and services to ensure adherence to federal and state requirements and maintain the integrity of UNMB's mortgage operations.

Duties And Responsibilities

• Conducts Pre-closing audits of mortgage loans, identifying deficiencies related to agency, investor, or internal requirements, to prevent closing with significant defects such as misrepresentation, inaccurate data or inadequate documentation.
• Conducts Post closing audits mortgage loans, identifying deficiencies related to agency, investor, regulatory, or internal requirements, to identify defects in the loan manufacturing process from which actionable remediation plans are implemented.
• Completes independent calculation and analysis of key aspects of mortgage file, including but not limited to, compliance requirements, loan-to-value and debt-to-income ratios, employment/income, assets, credit, liabilities, and collateral.
• Completes independent unbiased validation and re-verification of data/documentation relied upon during the loan decision, including when necessary, ordering desk and field review appraisals.
• Evaluates decision made by origination underwriter and completion of other required items attributable to various business units, including but not limited to processing and closing
• Assist in conducting monthly compliance audits to determine violations of procedure or law in areas such as ECOA and Fair Lending, TILA, FDCPA, FCRA, EFTA, TCPA, UDAAP, SCRA, BSA/AML and OFAC, and GBLA.
• Responsible for the annual maintenance and updating of Quality Control Manual to align with industry standards and regulatory updates from HUD, USDA, VA, and GSE Agencies, including Fannie Mae and Freddie Mac
• Manage, perform, or outsource all government insuring/guarantee requirements.

Qualifications

• Minimum 2 years' recent experience in residential mortgage lending quality control and/or origination underwriting, or 5 or more years' residential mortgage processing experience with current or past credit decisioning authority, is required.
• Experience with Encompass Loan Origination System and QC Software is preferred.
• Understanding of regulatory compliance applicable to mortgage lending including TILA, RESPA, ECOA, FCRA and other applicable laws.
• Strong knowledge of Fannie Mae/Freddie Mac guidelines is required along with a firm comprehension of Desktop Underwriter ("DU"), and Loan Product Advisor ("LPA") Findings Summaries/Feedback Certificates
• Bachelor's Degree Required
• Proven ability to influence at all levels within the organization.
• Organizational skills permitting the effective management of several concurrent projects and priorities.
• Strong computer literacy and expertise with Microsoft Office suite
• Excellent verbal and written communication skills

Physical/Mental Requirements

• Coordinate multiple tasks simultaneously
• Understand and respond to a diverse population
• Perform some repetitive motion activities
• Sit for long periods of time
• Require close vision and the ability to adjust eye focus often
• Required to talk and hear
• Required to reach with hands and arms
• Requires minimal weight to be lifted (not more than 10 pounds) or force exerted on a regular basis.
• Required to communicate electronically
• Occasionally required to stoop, kneel, crouch, and crawl

All offers are contingent on the successful completion of criminal background check.