Senior Home Mortgage QA/QC Analyst — Quality & Compliance

Citizens Bank; Johnston (RI); On-site; USD 90,000 - 130,000; Full time

Job summary

Citizens Bank in Johnston, RI, is seeking a seasoned Home Mortgage Quality Control professional to re-underwrite and review underwriting decisions for the monthly QC selection. The role ensures adherence to private bank mortgage guidelines, reviews appraisals, and verifies legal documents for accuracy within Pre-Funding and Post-Closing processes.

You will meet production targets, maintain high accuracy, and stay compliant with state and federal regulations.

Qualifications

• 7+ years underwriting experience with in-depth knowledge of manual underwriting guidelines.
• Advanced knowledge of complex underwriting for high-net-worth borrowers and diverse asset portfolios.
• Sound knowledge of consumer mortgage lending process and post-closing workflow.
• Experience with ACES, Empower and/or Encompass is a plus.
• Proficient in MS Word, Excel, PowerPoint, Outlook and database applications.

Responsibilities

• Primary focus is on the timely and accurate re-underwrite of assigned QA/QC reviews within established production goals and service level expectations.
• Analysts will be expected to meet daily loan review productivity targets while maintaining a high degree of accuracy, attention to detail, and adherence to all established procedures and SOPs.
• Performance will be measured through a combination of production results, quality review outcomes, and compliance with departmental standards.
• Thoroughly understand and comply with regulatory requirements that impact your work including state and federal laws.
• Complete required Regulatory and HR compliance training each quarter by established deadlines.
• Escalate issues to management immediately.
• Display a professional and positive attitude at all times with all of your interactions, as measured by customer/stakeholder feedback and manager observations.
• Work toward your PDP goals throughout the year and present evidence of progress to your manager.
• Responsibilities may broaden as skills, experience, and business needs evolve.

Skills

Communication skills

Attention to detail

Time management

Analytical thinking

Independent work

Tools

ACES

Empower

Encompass

MS Office

Job description

Citizens Bank in Johnston, RI, is seeking a seasoned Home Mortgage Quality Control professional to re-underwrite and review underwriting decisions for the monthly QC selection. The role ensures adherence to private bank mortgage guidelines, reviews appraisals, and verifies legal documents for accuracy within Pre-Funding and Post-Closing processes.

You will meet production targets, maintain high accuracy, and stay compliant with state and federal regulations.