Quality Control Analyst

Citadel Federal Credit Union; West Chester (Chester County); On-site; USD 55,000 - 85,000; Full time

Job summary

Citadel Federal Credit Union is seeking a Quality Control Analyst to safeguard loan quality across real estate, consumer, and commercial portfolios. You will perform pre‑funding and post‑closing reviews, validate data across systems, and provide reporting to drive corrective actions.

Responsibility includes coordinating with third‑party auditors, tracking audit findings, and presenting results to Operations, Servicing, Credit, and Compliance.

Qualifications

• Bachelor’s degree in business, finance, accounting, or related field or equivalent experience.
• 2–5+ years in lending, servicing, quality control, audit, or compliance within mortgage/consumer/commercial environments.
• Hands‑on experience with pre‑funding and/or post‑closing audit processes and third‑party auditor coordination.

Responsibilities

• Serve as the primary contact for pre‑funding and post‑closing audits with third‑party firms; coordinate samples, document requests, responses, and due dates.
• Track and resolve audit findings; ensure timely remediation, root‑cause analysis, and evidence of corrective action.
• Perform QC testing on real estate, consumer, and commercial loans for regulatory, credit, operational, and documentation compliance.
• Verify data integrity between LOS, servicing system, document repository, collateral, and data warehouse; identify and correct mismatches.
• Validate calculations (APR/finance charge), escrow setup, fee tolerance, rate/term, and covenant tracking for commercial loans.
• Maintain sampling methodologies, test scripts, and control checklists; update for new products or regulatory updates.
• Produce QC reports (weekly/monthly/quarterly); present findings to Operations, Servicing, Credit, Compliance, and Risk; elevate issues.
• Log defects/exceptions; track remediation to closure; test effectiveness of corrective actions.
• Recommend process, control, and training enhancements to reduce defects and cycle time.
• Coordinate secure document transfer with auditors; protect NPI/PII and adhere to security standards.

Skills

Detail orientation

Analytical thinking

Communication

Organization

Vendor coordination

Education

Bachelor's degree

Tools

Encompass

Empower

Black Knight MSP

Excel

Power BI

Job description

Description

Job Overview

Quality Control (QC) Analyst safeguards loan quality and operational integrity across real estate (first mortgage & HE), consumer, and commercial portfolios. This role executes pre‑funding and post‑closing reviews, validates data across systems of record, partners with internal teams and third‑party auditors, and delivers clear, consistent reporting that drives corrective actions and continuous improvement.

Responsibilities

• Serve as the primary contact for pre‑funding and post‑closing audits with third‑party firms, coordinate sample selections, document requests, responses, and due dates.
• Track and resolve audit findings, ensuring timely remediation, root‑cause analysis, and evidence of corrective action.

Loan File Review & Quality Testing

• Perform QC testing on real estate, consumer, and commercial loans for regulatory, credit, operational, and documentation compliance (e.g., disclosures, underwriting, closing, collateral, servicing setup).
• Verify data integrity between the LOS, servicing system, document repository, collateral/custody records, and data warehouse; identify and correct mismatches.
• Validate calculations (APR/finance charge reasonableness, payment changes, escrow setup, fee tolerance, rate/term, covenant tracking for commercial).
• Compare information across systems (e.g., loan attributes, collateral values, rate indices, escrow components, boarding fields) to ensure accuracy and completeness.
• Maintain sampling methodologies, test scripts, and control checklists, update for new products, system changes, or regulatory updates.

Reporting & Communication

• Produce consistent, repeatable QC reports (weekly/monthly/quarterly), including metrics, observations, exceptions, and trend analyses.
• Present findings to Operations, Servicing, Credit, Compliance, and Risk; elevate systemic or high‑severity issues.
• Log defects/exceptions, track remediation to closure, and test the effectiveness of corrective actions.
• Recommend process, control, and training enhancements to reduce defects and cycle time.
• Coordinate secure document transfer with auditors; ensure protection of NPI/PII and adherence to information security standards.
• Maintain organized audit workpapers and evidence for management and regulatory reviews.

Regulatory Awareness

• Stay current on lending/servicing requirements applicable to assigned portfolios (e.g., RESPA/TILA/ECOA for consumer/RE; UCC, financial reporting covenants, flood, beneficial ownership for commercial) and reflect updates in test steps and reporting.

Qualifications and Education Requirements

Education:

• Bachelor’s degree in business, Finance, Accounting, or related field (or equivalent experience).

Experience:

• 2–5+ years in lending, servicing, quality control, audit, or compliance within mortgage/consumer/commercial environments.
• Hands‑on experience with pre‑funding and/or post‑closing audit processes and third‑party auditor coordination.

Technical:

• Proficiency with LOS/servicing platforms (e.g., Encompass/Empower/Black Knight MSP, commercial loan systems), document repositories, and Excel/Power BI (pivot tables, lookups, basic formulas).
• Comfort working with large data sets and reconciling records across multiple systems.

Additional Skills/Notes

• Detail orientation and data accuracy mindset
• Strong analytical, problem‑solving, and root‑cause analysis skills
• Clear written and verbal communication; ability to synthesize and present findings
• Organization and deadline management across multiple concurrent reviews
• Professionalism in vendor and cross‑functional interactions.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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