QA & Controls Analyst

Toyota; Henderson (NV); Hybrid; USD 68,000 - 111,000; Full time

Benefits offered by this job

Compliance certification

Salesforce/Archer experience

Job summary

Toyota Financial Services in the United States is seeking a Loan QA & Controls professional to execute first-line QA/compliance for residential mortgage, deposits, and commercial loans. You will partner with mortgage origination, servicing teams and TFSB Compliance to reduce risk.

The role is located in Henderson, NV or Plano, TX and is hybrid. You will contribute to testing FDICIA controls, reporting findings, and supporting audits while helping improve lending processes and ensuring regulatory

Qualifications

• 3+ years of banking or lending experience.
• Experience with Quality Control/Validations of bank products.

Responsibilities

• Execute first-line compliance testing for loan originations and servicing.
• Provide responses and remediation tracking for state and federal examinations.
• Perform real-time QA for mortgage origination, closing and funding.
• Perform real-time QA for deposit origination and boarding.
• Collaborate with mortgage originations on remediation of issues.
• Develop recommendations to improve lending processes for compliance.
• Track changes to procedures and LOS/POS for mortgage originations.

Skills

Banking experience

QC/Validations

Tools

Salesforce

Archer

Job description

Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like at Toyota. As one of the world’s most admired brands, Toyota is growing and leading the future of mobility through innovative, high-quality solutions designed to enhance lives and delight those we serve. We’re looking for talented team members who want to Dream. Do. Grow. with us.

An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company- delivering on Toyota's vision to move people beyond what's possible. At TFS, you will help create best-in-class customer experience in an innovative, collaborative environment.

Toyota does not offer support or sponsorship of job applicants for employment-based visas or any other work authorization for this role now or in the future. You must have the right to work in the United States and not require Toyota support or sponsorship for immigration-related employment (e.g., H-1B, O-1, E-3, H-1B1, TN, F-1 OPT, F-1 STEM OPT, F-1 CPT, 'job flexibility benefits' [also known as I-140 or Adjustment of Status portability], etc.) now or in the future. You should not apply for this role if you will require Toyota to assist with immigration support or sponsorship now or in the future.

Who we’re looking for

This position will report to the Loan QA & Controls Manager and is responsible for executing and enhancing first-line QA/compliance/controls functions for TFSB to reduce the compliance and operational risk, in the areas of Residential Mortgage, Consumer/Business Deposits, and Commercial Loans. Responsibilities include execution of quality assurance and compliance processes, FDICIA control testing, performing ongoing compliance monitoring activities, issues remediation and creating performance reporting for key stakeholders within the Bank on the above activities and outcomes.

This position requires regular and active partnership with mortgage origination and servicing teams, commercial lending operations as well as TFSB Compliance.

This job is located in either Henderson, NV or Plano, TX, but is expected to be in a hybrid work environment. Occasional travel from Henderson to Plano or vice-versa may be required.

What you’ll be doing

• First-Line Compliance
  • Execute first-line compliance testing for loan originations and servicing, including creation of recommended enhancements to business processes to mitigate operational or compliance risk
  • Provide responses, evidence and requested documentation for state and federal examinations and track associated remediation items in partnership with TFSB Compliance
• Quality Assurance & Process Improvement
  • Execute real-time QA processes related to mortgage origination, closing and funding
  • Execute real-time QA processes related to deposit origination and boarding
  • Execute real-time QA processes related to commercial loan origination and funding
  • Collaborate with the mortgage originations team on remediation of business process or quality issues
  • Develop recommendations for improving lending processes and procedures for compliance with state and federal laws and regulations
  • Track changes and/or updates to procedures, forms, LOS/POS for mortgage originations to enhance quality and/or compliance
• Controls & FDICIA
  • Execute testing of lending-related FDICIA controls owned by the TFSB Operations Department and update key control inventory for lending processes
  • Partner with project teams to ensure effective controls are in place pre-implementation of new processes or systems related to lending
• Reporting and Documentation
  • Create and enhance internal reporting for management and key stakeholders on finding trends and recommendations related to operations gaps and issues
• Support audit and examination requests related to lending
• Ensure accurate inventory of control environment is maintained
• Support projects, enhancements, conversions, system implementations, etc. as they relate to lending

What you bring

• 3+ years of relevant work experience in banking or lending
• Prior experience with Quality Control/Validations of bank products

Added bonus if you have

• Compliance or Audit-related certification or license – CRCM, CRVPM, CIA, CPA, etc.
• Experience working with Sales Force and/or Archer

What we’ll bring

• A work environment built on teamwork, flexibility, and respect
• Professional growth and development programs to help advance your career, as well as tuition reimbursement
• Team Member Vehicle Purchase Discount
• Toyota Team Member Lease Vehicle Program (if applicable)
• Comprehensive health care and wellness plans for your entire family
• Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyotaregardless of whether you contribute (if applicable)
• Paid holidays and paid time off
• Referral services related to prenatal services, adoption, childcare, schools and more
• Tax Advantaged Accounts (Health Savings Account, Health Care FSA, Dependent Care FSA)
• Relocation assistance (if applicable)

The annual base salary range for this position is $68,100.00 - $110,600.00. Employees (and their families) are covered by medical, dental, vision, and basic life insurance. Employees are able to enroll in our company’s 401k plan.

Belonging at Toyota

Our success begins and ends with our people. We embrace all perspectives and value unique human experiences. Respect for all is our North Star.

Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, military or veteran status, or any other characteristics protected by law.