Quality Control Analyst

Citadel Federal Credit Union; West Goshen (PA); On-site; USD 60,000 - 82,000; 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 conduct pre-funding and post-closing audits, validate data between systems, and produce clear reports that trigger corrective actions and continuous improvement.

The role requires 2–5+ years in lending or QC, strong analytical and communication skills, and experience with LOS platforms and Excel/Power BI to support regulatory compliance and

Qualifications

• Bachelor's degree in business, finance, accounting, or related field.
• 2–5+ years in lending, servicing, quality control, audit, or compliance.
• Hands-on with pre-funding and post-closing audits and third-party coordination.
• Proficiency with LOS/servicing platforms and Excel/Power BI.
• Strong data analysis, root-cause analysis, and clear reporting.

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 remediation and evidence of action.
• Perform QC testing on real estate, consumer, and commercial loans for compliance.
• Verify data integrity across LOS, servicing system, and data warehouse; correct mismatches.
• Validate calculations (APR, escrow, fees, term) and compare information across systems.
• Maintain test scripts and control checklists; update for changes.
• Produce repeatable QC reports and present findings to stakeholders.
• Log defects, track remediation to closure, test corrective actions.
• Recommend process and training improvements to reduce defects.
• Coordinate secure document transfer with auditors and protect sensitive data.

Skills

2-5+ years mortgage QC experience

Detail oriented

Analytical skills

Root-cause analysis

Strong communication

Education

Bachelor's degree in business/finance/accounting

Tools

LOS platforms (Encompass/Empower)

Black Knight MSP

Excel

Power BI

Document repositories

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; escalates 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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