Job ID: 2024-3849 Type: Regular Full-Time # of Openings: 1 Category: Compliance and Risk Work From Home
Overview
POSITION SUMMARY:
The Quality Control Loan Analyst II is responsible for conducting in-depth quality control reviews for lending products across multiple business units. This position will review, track, and report defects and trends. Additionally, this position coordinates third-party post-closing quality control lending reviews.
GREENSTATE CULTURE:
At GreenState, we exist to create lasting value for those we serve. We do this by putting immense value into our employees, members and communities. We empower our employees to create endless opportunities, which will then impact the lives of our members and enhance the vitality of our communities.
Pay range for this hourly position is $33.31 - $44.46/HR with a progressive benefit package.
Responsibilities
ESSENTIAL DUTIES AND RESPONSIBILITIES:
Performs essential duties and responsibilities in the following areas which may include, but are not limited to, those listed and are subject to change.
Adheres to the Credit Union's core values and Service Standards in conducting GreenState'smission and vision.
Demonstrates a positive member service (internal and external) focus at all times.
Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities.
Ensures confidentiality of member information.
Supports a diverse and inclusive work environment.
Adheres to applicable state, federal and credit union regulations, policies, and guidelines.
Designs, implements, and maintains in-depth quality control review plans for lending products including, but not limited to the adherence of regulatory compliance, policies, procedures, underwriting, exceptions, rates, and system modifications.
Creates and modifies, as necessary, written procedures for quality control lending reviews.
Conducts independent in-depth quality control lending reviews.
Identifies and records defects noted during quality control reviews.
Identifies defect trends noted during quality control reviews.
Compiles findings and provides reports to VP/Risk Officer and SVP/Compliance and Risk.
Coordinates post-closing in-house and secondary market mortgage quality controls reviews.
Coordinates various third-party post-closing quality control lending reviews, including, but not limited to requests from Fannie Mae, Freddie Mac, the Federal Home Loan Banks, the Department of Housing and Urban Development, the Department of Veterans Affairs and Private Mortgage Insurance Companies.
Assists other Quality Control Loan Analyst II’s and Quality Control Lead with select duties as requested.
Maintains a tracking system for third party mortgage post-closing quality control findings, statistics and identify trends.
Tracks and provides reporting for flipped and repurchased mortgage loans.
Monitor Adverse Action Notices and supporting documentation for various lending products across multiple business units to reasonably ensure all internal and regulatory compliance requirements were met.
Produces various reports as requested.
Provides mortgage loan rate exception report to Chief Mortgage Officer for acknowledgment and retains documentation for Internal Audit.
Other duties as assigned by VP/Risk Officer, SVP/Compliance and Risk and/or Chief Risk Officer.
Qualifications
JOB REQUIREMENTS:
Associates Degree or completion of a specialized course of study or certification in related fieldwith at least two years of mortgage, lending or quality control related experience.
High level of accuracy and attention to detail required.
Lending policies and Real Estate knowledge required.
Strong problem-solving skills.
A solid understanding of consumer and mortgage loan documentation.
Strong interpersonal skills necessary to gather data from a number of sources and to represent positively the Credit Union during such contacts.
Ability to develop and maintain effective working relationships with co-workers.
Proficiency with related computer applications, spreadsheets, etc.
Ability to multi-task.
Self-motivated with the ability to work with limited direct supervision while maintaining a focus on tasks and responsibilities.
Ability, availability, and willingness to work flexible hours to accomplish workload.
Must be bondable.
Reporting Relationship This position reports to the Vice President/Risk Officer.
Supervisory Responsibilities This position is not responsible for the supervision of others.
Equal Opportunity Employment Statement GreenState Credit Union is an EEO/AA Employer. M/F/Veteran/Disability. We strongly encourage minorities, veterans, and individuals with disabilities to apply for openings with the credit union.
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