Mortgage Quality Control & Regulatory Compliance Analyst

UNMB Home Loans Inc.; Levittown (NY); On-site; USD 65,000 - 98,000; Full time

Job summary

UNMB Home Loans Inc. in Levittown, NY is seeking a Mortgage Quality Control Analyst to support compliance by monitoring federal and state regulations, conducting risk assessments, and coordinating audits to uphold the integrity of mortgage operations.

The role requires 2+ years in mortgage quality control or 5+ years in processing with decisioning authority; familiarity with Encompass and QC software; and a Bachelor’s degree.

Qualifications

• 2+ years' experience in residential mortgage lending quality control or 5+ years in processing with decisioning authority.
• Experience with Encompass LO System and QC software preferred.
• Knowledge of TILA, ECOA, FCRA and related mortgage lending laws.

Responsibilities

• Conducts pre-closing audits of mortgage loans to identify deficiencies and ensure compliant documentation.
• Performs post-closing audits to identify defects and establish remediation plans.
• Validates data on files, including income, assets, and debt-to-income calculations.
• Verifies appraisals and data relied upon during loan decisions and order reviews as needed.
• Supports monthly compliance audits for violations of procedures or laws (ECOA, TILA, FCRA, etc.).
• Maintains and updates Quality Control Manual per HUD/USDA/VA and GSE guidance.
• Manages government insuring/guarantee requirements as applicable.

Skills

Mortgage quality control

Regulatory compliance

Credit decisioning

Communication skills

Education

Bachelor's Degree

Tools

Encompass

QC Software

Job description

UNMB Home Loans Inc. in Levittown, NY is seeking a Mortgage Quality Control Analyst to support compliance by monitoring federal and state regulations, conducting risk assessments, and coordinating audits to uphold the integrity of mortgage operations.

The role requires 2+ years in mortgage quality control or 5+ years in processing with decisioning authority; familiarity with Encompass and QC software; and a Bachelor’s degree.