Retail Loan QC Specialist

Bank-First; Manitowoc (WI); On-site; USD 52,000 - 74,000; Full time

Job summary

Bank First in Manitowoc, WI is seeking a Retail Loan QC to review residential mortgage, consumer loan, and home equity files for compliance with TRID, HMDA and federal regulations. You’ll verify disclosures, calculate figures, and ensure timely, accurate documentation before closing.

You’ll collaborate with loan operations and other departments, identify findings, produce correction reports, and stay current on lending rules through ongoing education.

Qualifications

• Strong knowledge of TRID, HMDA and loan documents.
• Minimum three years in retail loan operations or loan origination.
• Excellent attention to detail and numerical accuracy.
• Strong interpersonal, verbal and written communication skills.
• Ability to work independently with minimal supervision.
• Proficiency with Word and Excel.

Responsibilities

• Identify findings, communicate corrections and prepare a detailed report per loan file.
• Follow up on unresolved issues to ensure completion and guide corrections.
• Maintain effective relationships with other departments to remedy issues and improve processes.
• Assist with input of the monthly audit findings by preparing a summary of outstanding items per loan file.
• Stay current on lending regulations, underwriting and servicing practices through continuing education.

Skills

TRID knowledge

HMDA knowledge

Loan documents

Attention to detail

Interpersonal skills

Communication skills

Excel

Education

High school diploma

Tools

Word

Excel

Job description

Why Work at Bank FirstAt Bank First, we’re not just a bank—we’re a community. Consistently ranked among the top-performing banks in the U.S. and Wisconsin, and recognized by American Banker as one of the “Best Banks to Work For”. We combine professional excellence with a culture that truly values people. When you join Bank First, you’re joining a team that invests in your growth, supports your well-being, and celebrates your contributions.Why You’ll Love Working HereImagine a workplace where:Your career growth is supported through training, mentoring, and advancement opportunitiesFlexibility allows you to balance work and life without compromiseYour contributions directly impact guests and communities you care aboutYou’re part of a culture built on respect, collaboration, and empowermentAt Bank First, you don’t just fill a role—you make a difference. Every interaction matters, and every team member helps shape the experience our guests love.About the Role: Retail Loan QCPerforms file compliance review of all residential mortgages, consumer loans, and home equity lines of credit, including originated, cancelled and rejected loans. Understands the loan origination and closing processes, including compliance requirements, with sufficient detail to be able to effectively review loan files. Ensures that all documents have been properly prepared, that all timeframes for disclosures have been met and validates that all documents are calculated accurately. Interfaces with other departments to obtain additional information required to ensure files are compliant and meet all federal regulations prior to closing.Key ResponsibilitiesIdentifies findings, communicates findings for corrections and prepares a missing/correction detailed report per loan file. Follows up on unresolved issues to ensure completion of items and offers guidance to correct any errors as needed. Establishes and maintains effective working relationships with department to help remedy issues and improve processesResponsible for ensuring that the Bank maintains a sound loan portfolio with respect to compliance with state and federal laws and regulations, and Bank lending policies and procedures. This includes but is not limited to: Home Mortgage Disclosure Act (HMDA), TILA-RESPA Integrated Disclosure (* TRID *), underwriting for ability-to-repay (ATR), qualified mortgage (QM), Real Estate Settlement Procedures Act (RESPA), Equal Credit Opportunity Act (ECOA), Fair and Accurate Credit Transactions Act (FACTA), Office of Foreign Assets Control (OFAC), and Customer Identity Process (CIP)Assists with input of the monthly report of audit findings by preparing a detailed summary of outstanding items per loan fileProvides backup support as needed for Retail Loan Operation Department functions.Stays current on lending regulations, loan policy, underwriting and servicing practices through continuing education, seminars and webinarsPerforms other duties as assigned#INDBFWhat We’re Looking ForMinimum three (3) years retail loan operations or loan origination experience preferredStrong knowledge of TRID , HMDA and loan documents requiredStrong attention to detail and accuracy in working with numbersStrong interpersonal skills to work with a wide variety of external and internal customersExcellent customer service and communication skills, both verbal and writtenStrong planning, organizational skills and ability to maintain accurate records and filesAbility to work independently with minimal supervisionEffective time management skills to include prioritizing workload and multiple tasks to meet strict deadlinesTeamwork orientationStrong problem solving ability skillsStrong knowledge of personal computers and related software to include Word and ExcelHigh school diploma or equivalent a minimum of three (3) years’ experience in a banking environment or an equivalent combination of education and experience helpful.About Bank FirstHeadquartered in Manitowoc, Wisconsin, Bank First serves communities across Wisconsin and the Illinois Stateline region. Our growth is built on relationship-based banking—getting to know our guests personally and helping them create lasting value.Our Culture & VisionWe foster curiosity, creativity, and responsiveness while embracing individual differences. Employees are empowered with tools to succeed and supported in their careers. Our vision is to remain the top-performing, independent provider of financial services, delivering personalized solutions and value to guests and communities alike.Our ValuesRelationship Based | Community Focused | Innovative Solutions | Value DrivenJoin Bank First and build a career where your contributions matter, your growth is supported, and your work makes a difference every single day.