Mortgage Servicing Quality Control Analyst

The Dart Bank; Michigan; On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Medical Benefits

401(K) Plan with Employer Matching

Paid vacation & sick time

Flexible scheduling

Employee Stock Ownership Plan (ESOP)

Job summary

The Dart Bank is seeking a Mortgage Servicing QC Analyst in Mason, MI to perform detailed audits of servicing activity and ensure compliance with federal, state, investor guidelines, and internal policies.

The role identifies errors, analyzes risk trends, validates data integrity, and collaborates with servicing teams to drive corrective actions, while adhering to BSA requirements and established QC policies.

Qualifications

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

Responsibilities

• Conduct monthly and quarterly mortgage servicing QC audits to ensure regulatory compliance.
• Review files and transitions to loss mitigation to ensure guidelines are met.
• Audit servicing functions: loan boarding, ARM setup, statements, escrow administration, mortgage insurance billing, fee assessments, and customer service interactions.

Skills

Regulatory knowledge

Data analysis

Attention to detail

Communication

Organizational skills

Education

Bachelor’s degree or equivalent

Tools

MSP Servicing

ACES software

Job description

Job Details

Job DetailsLevel: ExperiencedJob Location: Mason Main Office - Mason, MI 48854Position Type: Full TimeJob Shift: DayFLSA Status Non Exempt

Job Summary

The 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 Duties

• 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.
• 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 Functions

To 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.

Qualifications

Education

• Bachelor’s degree or an equivalent combination of education and relevant work experience.

Experience

• 2-5 years’ experience in mortgage servicing and/or Servicing QC experience.
• Experience on MSP Servicing and /or ACEs software preferred.

Skills

• Strong 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 by

VP, Loan Servicing Strategist

Supervises

None

Who We Are

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 ourcustomersand we are there for them for the most important times in their lives. Dart Bank. For What Matters Most.

We offer:

• Medical Benefits
• Dental
• Vision
• 401(K) Plan with Employer Matching
• Employee Stock Ownership Plan (Profit Sharing)
• Paid vacation & sick time
• Flexible scheduling
• Employee Assistance Program
• Dart Bank University

Dart Bank is committed toprovidingequal opportunity in employment,maintaininga 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, willcomply withapplicable 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 employerparticipatesin E Verify and will provide the federal government with your Form I 9 information to confirm that youare authorized towork 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 employercan only use E Verify once you have accepted a job offer and completed Form I 9.

Technology & Workspace Requirements

Dart 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.