Mortgage Quality Control Analyst - CO, AZ, TX (In-Office)

National Bank of Arizona; Denver (CO); On-site; USD 53,000 - 85,000; Full time

Benefits offered by this job

Medical, dental and vision insurance -

401(k) with company match

Paid time off (PTO)

Holiday pay

Tuition reimbursement

Parental leave

Health savings account (HSA)

Adoption assistance

Job summary

National Bank of Arizona is seeking a Mortgage Quality Control Analyst to lead strategic quality control, operational analytics, and compliance monitoring across Mortgage Banking. This senior role partners with Compliance, Risk, Fulfillment, and Underwriting to optimize processes using data and AI-driven solutions.

The position focuses on auditing, reviewing procedures, and ensuring loans meet guidelines while identifying risks and driving policy improvements.

Qualifications

• Advanced Excel, Power BI, reporting tools, and AI-powered analytics solutions.
• Monitor adherence to Agency, Investor, State, and Federal mortgage requirements.
• Support internal audits, regulatory examinations, and compliance reviews.
• Requires some college and 1+ yrs experience with mortgage lending, credit, compliance, underwriting or other directly related experience.
• A combination of education and experience may meet requirements.
• Basic knowledge of residential mortgage lending policies, procedures, and practices.
• Must be knowledgeable in credit, finance, and lending procedures.
• Working knowledge of lending systems, government lending programs, guidelines, and other lending-related laws, regulations, and requirements.
• Good analysis, decision making, and problem resolution skills.
• Proficiency in PC and MS Office skills, Power Point.
• Sound client relations and communications skills, both written and verbal.
• Experience with mortgage origination platform.
• Experience with and knowledge of CFPB, FDIC, OCC mortgage origination requirements.
• Experience with and knowledge of SOX, Reg B, Reg Z, etc. and USPAP.
• Must have sound communication and presentation skills.
• Ability to manage and accomplish multiple tasks and resolve competing priorities effectively.
• Individual must be a proven Team Player, with initiative and flexibility.

Responsibilities

• Assist with AI and automation initiatives (loan review activities, defect Identification, policy, and procedure research).
• Performs audit functions for both risk controls and regulatory Quality Control to ensure compliance and provide framework for management to examine and adjust policy and procedures.
• Responsible for reviewing completed work, quality control reviews, investigation and reporting on processes, procedures, and programs.
• Validates standards, measures performance, and determines compliance with mortgage originations, which includes monitoring trending, reporting loan defects and ensures that loans delivered to investors meet agency guidelines and sound underwriting decisions.
• Re-underwrites original credit and collateral lending decisions, identifying red flags, and determining if targeted loan selections met the terms, conditions, representations and warranties of the applicable contractual documents and underwriting.

Skills

Excel Power BI

AI analytics

Quality controls

Regulatory compliance

data analysis

MS Office

Education

Some college

Tools

Mortgage origination platform

PowerPoint

Job description

Mortgage Quality Control Analyst - CO, AZ, TX (In-Office)

This Quality Control Analyst is a senior-level professional responsible for leading strategic quality control, operational analytics, process improvement, and compliance monitoring initiatives across the Mortgage Banking division. This position serves as a subject matter expert (SME) for mortgage quality control and quality assurance processes and regulatory requirements within the Quality Risk Group. This role serves as a strategic partner to Mortgage Quality Risk Group leadership by leveraging data, technology, and AI-driven innovation to enhance quality, reduce risk, improve compliance outcomes, and modernize mortgage operations.

Working closely with Compliance, Risk Management, Fulfillment, Underwriting, Closing, Post Closing, Technology, and Leadership, this role analyzes business processes, identifies opportunities for improvement, develops data-driven solutions, and implements automation strategies that enhance quality, efficiency, compliance, and customer experience.

Responsibilities

• Assist with AI and automation initiatives (loan review activities, defect Identification, policy, and procedure research).
• Performs audit functions for both risk controls and regulatory Quality Control to ensure compliance and provide framework for management to examine and adjust policy and procedures.
• Responsible for reviewing completed work, quality control reviews, investigation and reporting on processes, procedures, and programs.
• Validates standards, measures performance, and determines compliance with mortgage originations, which includes monitoring trending, reporting loan defects and ensures that loans delivered to investors meet agency guidelines and sound underwriting decisions. Identifies and assesses operational risk and impact and makes recommendations for effective policies and controls to manage risk within various operational and corporate functions.
• Re-underwrites original credit and collateral lending decisions, identifying red flags, and determining if targeted loan selections met the terms, conditions, representations and warranties of the applicable contractual documents and underwriting

Qualifications

• Utilize advanced Excel, Power BI, reporting tools, and AI-powered analytics solutions.
• Monitor adherence to Agency, Investor, State, and Federal mortgage requirements.
• Support internal audits, regulatory examinations, and compliance reviews.
• Requires some college and 1+ yrs experience with mortgage lending, credit, compliance, underwriting or other directly related experience.
• A combination of education and experience may meet requirements.
• Basic knowledge of residential mortgage lending policies, procedures, and practices.
• Must be knowledgeable in credit, finance, and lending procedures.
• Working knowledge of lending systems, government lending programs, guidelines, and other lending-related laws, regulations, and requirements.
• Good analysis, decision making, and problem resolution skills.
• Proficiency in PC and MS Office skills, Power Point.
• Sound client relations and communications skills, both written and verbal.
• Experience with mortgage origination platform.
• Experience with and knowledge of CFPB, FDIC, OCC mortgage origination requirements.
• Experience with and knowledge of SOX, Reg B, Reg Z, etc. and USPAP.
• Must have sound communication and presentation skills.
• Ability to manage and accomplish multiple tasks and resolve competing priorities effectively is essential.
• Individual must be a proven Team Player, with initiative and flexibility.

Benefits

• Medical, Dental and Vision Insurance - START DAY ONE!
• Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts
• Paid Training, Paid Time Off (PTO) and Paid Federal Holidays, and any applicable state holidays
• Salary range: $53,000.00 to $85,000.00 depending on experience.
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Mental health benefits including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire
• Employee Ambassador preferred banking products

This position will be open until filled.

All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations.

Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.

It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.

Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site. You can request reasonable accommodations by contacting us at [e-mail] or 801/844-7618. Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.

National Bank of Arizona a division of Zions Bancorporation, N.A. Member FDIC