Mortgage Quality Control Specialist

First Citizens Bank; Columbia (SC); On-site; USD 52,000 - 68,000; Full time

Job summary

First Citizens Bank is seeking a Mortgage Quality Control Analyst to support the mortgage credit decision process in Columbia, SC. The role analyzes loan data, identifies discrepancies, and communicates findings to ensure accurate credit decisions and regulatory compliance.

The ideal candidate will have a Bachelor's degree or equivalent experience in residential mortgage underwriting, with strong knowledge of underwriting guidelines and data quality controls.

Qualifications

• Proficient in analyzing loan data for quality control and credit decisions.
• Familiar with Fair Lending reporting and underwriting guidelines for agency loans.

Responsibilities

• Analyze data in loans sent for review to verify quality control and credit decisions.
• Communicate analysis output and any exceptions identified.
• Assist in reviewing data quality for compliance with regulatory and bank policies.
• Maintain up‑to‑date knowledge of bank procedures and applicable laws to ensure compliance in all activities.

Skills

Mortgage data analysis

Underwriting guidelines knowledge

Education

Bachelor's Degree

High School Diploma or GED

Job description

Overview

This position provides operational support for the mortgage credit decision process. Analyzes all loans sent for review to verify quality control and credit decisions, conveying discrepancies or exceptions as identified. Assists in monitoring data and files for accuracy and compliance. Ensures all mortgage loans are complete, move efficiently through the work queue, and are fully compliant with applicable legal regulations and Bank policies.

Overview

This position provides operational support for the mortgage credit decision process. Analyzes all loans sent for review to verify quality control and credit decisions, conveying discrepancies or exceptions as identified. Assists in monitoring data and files for accuracy and compliance. Ensures all mortgage loans are complete, move efficiently through the work queue, and are fully compliant with applicable legal regulations and Bank policies.

Responsibilities & Qualifications

• Analysis - Reviews and interprets data in loans sent for review. Analyzes data to verify quality control and to review credit prior to loan funding. Effectively communicates analysis output and any identified exceptions.
• Compliance - Reviews data quality comparing system against approved loan data to ensure accuracy and compliance with Fair Lending reporting. Assists in reviewing Home Mortgage Disclosure Act data as needed.
• Documentation - Manages the queue of pre-funding quality control files to ensure review and analysis are completed in a timely, efficient manner. May assist team with other documentation related to loans and loan data.
• Business Support - Performs a number of administrative and operational support tasks during the course of pre-funding quality control efforts. Remains current on Bank procedures and applicable legal regulations to ensure compliance in all activities.

Position Specific Skills

• Knowledge of statutory policies regarding mortgage loans
• Knowledge of Fannie Mae, Federal Housing Administration, and Veteran Affairs underwriting guidelines

Qualifications

Minimum Required Education and Experience: Bachelor's Degree and 1 years' experience OR High School Diploma or GED/Equivalent and 5 years' experience in Residential mortgage or Consumer loan underwriting

Additional Information

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.