Mortgage Servicing Quality Control Analyst

Dart Bank; Michigan; Hybrid; USD 60,000 - 90,000; Full time

Benefits offered by this job

Medical benefits

Dental

Vision

401(K) Plan with Employer Matching

Employee Stock Ownership Plan (Profit)

Paid vacation & sick time

Flexible scheduling

Employee Assistance Program

Dart Bank University

Job summary

Dart Bank is seeking a Mortgage Servicing QC Analyst to perform detailed audits of servicing activities, ensuring compliance with Federal and State regulations, investor guidelines, and internal policies. You will review files, validate data, document findings, and communicate results to servicing teams, supporting remediation and corrective actions.

The role requires 2-5 years in mortgage servicing, familiarity with MSP Servicing/ACES, and a Bachelor’s degree; remote/hybrid work options

Qualifications

• Bachelor’s degree or an equivalent combination of education and relevant work experience.
• 2-5 years’ experience in mortgage servicing and/or Servicing QC experience.
• Experience on MSP Servicing and /or ACEs software preferred.

Responsibilities

• Conduct monthly and quarterly mortgage servicing quality control audits to ensure compliance with Federal, State, investor, and agency requirements.
• Review collection files, early payment defaults, and transitions to loss mitigation to ensure adherence to regulatory and internal guidelines.
• Audit servicing functions including loan boarding, ARM setup, periodic statements, escrow administration, mortgage insurance billing, fee assessments, customer service interactions, and paid-in-full processing.
• Evaluate servicing and collection call recordings to ensure compliance with regulatory, investor, and customer service standards.
• Validate data integrity within servicing systems to ensure accurate loan information and reporting.
• Document audit findings, analyze trends, and prepare comprehensive compliance reports and risk summaries with recommended corrective actions.
• Communicate clear, accurate, and actionable audit results to servicing teams to support timely remediation.
• Escalate any evidence of fraud or misrepresentation in accordance with established protocols.
• Follow established QC policies, procedures, and audit scopes to ensure consistency and integrity of reviews.
• Create and complete servicing QC reviews within ACES QC software.
• Serve as a subject matter expert, providing guidance and support to staff and management within the QC function.
• Assist with the development and implementation of process improvements, procedures, and system enhancements.
• Adheres to all Federal and State laws and regulations, including the Bank Secrecy Act.

Skills

Regulatory compliance

Data analysis

Attention to detail

Mortgage servicing

MSP Servicing

Education

Bachelor’s degree or equivalent

Tools

MSP Servicing

ACES

Job description

FLSA StatusNon ExemptJob SummaryThe Mortgage Servicing QC Analyst performs detailed audits of servicing activities to ensure compliance with Federal and State regulations, investor guidelines, and internal policies. This role identifies errors, analyzes risk trends, validates data integrity, and partners with servicing teams to drive corrective actions.Job DutiesConduct monthly and quarterly mortgage servicing quality control audits to ensure compliance with Federal, State, investor, and agency requirements.Review collection files, early payment defaults, and transitions to loss mitigation to ensure adherence to regulatory and internal guidelines.Audit servicing functions including loan boarding, ARM setup, periodic statements, escrow .administration, mortgage insurance billing, fee assessments, customer service interactions, and paid-in-full processing.Evaluate servicing and collection call recordings to ensure compliance with regulatory, investor, and customer service standards.Validate data integrity within servicing systems to ensure accurate loan information and reporting.Review credit bureau reporting for accuracy and proper reporting of delinquent or negative credit information.Document audit findings, analyze trends, and prepare comprehensive compliance reports and risk summaries with recommended corrective actions.Communicate clear, accurate, and actionable audit results to servicing teams to support timely remediation.Escalate any evidence of fraud or misrepresentation in accordance with established protocols.Follow established QC policies, procedures, and audit scopes to ensure consistency and integrity of reviews.Create and complete servicing QC reviews within ACES QC software.Serve as a subject matter expert, providing guidance and support to staff and management within the QC function.Assist with the development and implementation of process improvements, procedures, and system enhancements.Adheres to all Federal and State laws and regulations, including the Bank Secrecy Act.Other duties as assigned.Essential FunctionsTo perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed in this job description are representative of the knowledge, skills, and abilities required. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions of the position.QualificationsEducationBachelor’s degree or an equivalent combination of education and relevant work experience.Experience2-5 years’ experience in mortgage servicing and/or Servicing QC experience.Experience on MSP Servicing and /or ACEs software preferred.SkillsStrong knowledge of servicing systems, regulatory requirements, and operational process.High-level organizational, research, analytical, and attention to detail.Communicates information and can state problems or challenges to be resolved in a clear, concise, courteous, nondiscriminatory and professional manner, and be able to provide clarification if necessary.Result-driven mindset with the ability to adapt to evolving business requirements.Supervised byVP, Loan Servicing StrategistSupervisesNoneManagement retains the discretion to change this job description at any time.Dart Bank is a community bank, serving our community since 1925. We specialize in providing financial services, but we are passionate about serving the community and building real relationships with people. Dart Bank provides innovative financial services for both personal and business banking, consumer and mortgage loans, commercial loans and lines of credit, merchant credit card processing, investment services and more. Our array of products and services and our longstanding history within our communities shows we care about what matters most for our customers and we are there for them for the most important times in their lives. Dart Bank. For What Matters Most.We offer:Medical BenefitsDentalVision401(K) Plan with Employer MatchingEmployee Stock Ownership Plan (Profit Sharing)Paid vacation & sick timeFlexible schedulingEmployee Assistance ProgramDart Bank UniversityDart Bank is committed to providing equal opportunity in employment, maintaining a diverse workforce, and prohibiting all forms of unlawful discrimination and harassment.All employment decisions, policies, and practices, in terms of the recruitment process and other conditions and privileges of employment, will comply with applicable federal, state, and local anti discrimination laws. The Company seeks, employs, promotes, and compensates qualified individuals based on ability, as demonstrated by performance and other legitimate nondiscriminatory factors, without regard to race, color, religion, national origin, citizenship, ancestry, sex (including sexual orientation, gender expression, and gender identity), age, physical or mental disability, pregnancy, genetic information, military status, veteran status, or any other protected status under federal, state (in Michigan: marital status, familial status, height, weight, and misdemeanor arrest record), or local law (individually and collectively, “Protected Class”). This employer participates in E Verify and will provide the federal government with your Form I 9 information to confirm that you are authorized to work in the United States. If E Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so that you can begin to resolve the issue before this employer can take any action against you, including terminating your employment. This employer can only use E Verify once you have accepted a job offer and completed Form I 9.Technology & Workspace RequirementsDart Bank is committed to supporting flexible work arrangements when they align with business and position requirements. Remote and hybrid work are privileges that carry additional responsibilities and workspace requirements to ensure employees can effectively and securely perform their job duties.To support our technology and security standards, employees are required to have a modern smartphone capable of supporting company authentication and communication applications.Employees in remote or hybrid roles will be provided with a computer, monitors, docking station, keyboard, and mouse to perform their work. Employees must maintain a work environment that supports the effective performance of their job duties, including a reliable high speed internet connection with minimum speeds of 25 Mbps download and 5 Mbps upload