Senior Mortgage Quality Control Analyst
Aplusfcu, Austin, TX, United States
Wage Amount: minimum: $32.14 per hour minimum
Primary Functions
The Senior Mortgage Quality Control Analyst will oversee the Credit Union’s mortgage lending quality control program across both mortgage origination and servicing functions to ensure compliance with all applicable regulations, investor guidelines, and industry standards. This role is responsible for managing third‑party loan reviews, implementing quality control processes, analyzing loan trends, and partnering with leadership to maintain the integrity and efficiency of mortgage lending operations.
Quality Control Responsibilities
Responsible for developing and maintaining the mortgage lending quality control program, working closely with third‑party loan review providers and refining the Quality Control Plan.
Develop and implement quality control protocols across both mortgage origination and servicing functions, ensuring compliance with Fannie Mae, Freddie Mac, FHA, VA, and other investor and regulatory guidelines.
Manage relationships with third‑party loan review providers ensuring their findings are consistent with Government Sponsored Entities (GSE) standards and internal policies.
Conduct advanced due diligence and root‑cause analysis on third‑party findings, evaluating both origination and servicing data for accuracy, completeness, and regulatory compliance.
Collaborate with leadership to identify loan deficiency trends, risks, and recommend corrective actions.
Prepare and present monthly reports summarizing quality control findings and improvement recommendations.
Design and lead training initiatives for mortgage lending origination and servicing staff on compliance requirements and loan quality best practices in collaboration with corporate compliance, as needed.
Responsible for conducting comprehensive reviews of underwriter files through a quality control lens, ensuring accuracy, regulatory compliance, and alignment with internal lending standards.
Contribute to the development of new mortgage products and services while ensuring regulatory compliance from origination through post‑closing and servicing.
Collect and report Home Mortgage Disclosure Act (HMDA) data, working with Corporate Compliance.
Track mortgage loan pipeline, focusing on compliance and regulatory adherence.
Monitor industry trends to support continuous improvement initiatives within mortgage lending operations.
Stay current with industry regulations, laws, and guidelines, including TRID, HMDA, Regulation B, UDAAP, and Fair Lending.
Serve as team member in organizational or departmental projects.
Schedule and conduct monthly individual dialogs with manager.
Participate in outside credit union sponsored activities and community/education events to increase credit union awareness.
Participate in meetings, training sessions, and other initiatives as needed.
Maintain strict confidentiality of member information.
Perform other duties and responsibilities as assigned.
Education and Experience
High school diploma or G.E.D equivalent required
Ten years financial institution experience required
Seven years mortgage and quality control experience required
Seven years underwriting experience preferred
Knowledge, Skills & Abilities
Strong knowledge of mortgage loan origination, underwriting, servicing, and quality control requirements for Fannie Mae, Freddie Mac, FHA, and VA
Strong knowledge of federal and state compliance laws and regulations, including TRID, RESPA, TILA, ECOA, and HMDA
Excellent attention to detail to provide accurate, relevant, and timely information to internal and external members
Ability to identify risks and compliance issues
Excellent written and verbal communication skills
Ability to work independently and as part of a team, with flexibility to adapt to change
Strong research, problem solving, and analytical skills
Ability to handle multiple priorities and confidential information
Advanced knowledge and experience with Microsoft Office Suite
Working knowledge of A+FCU policies and procedures
Additional Compliance Requirements
All mortgage‑related positions are subject to an additional background check at the time of hire and annually thereafter to ensure compliance with Federal National Mortgage Association (FNMA) requirements.
This background check includes verification against the following:
GSA: General Services Administration
EPLS: Excluded Parties List System
HUD: U.S. Department of Housing and Urban Development
LDP: List of Parties Excluded or Disqualified from Federal Procurement and Non‑Procurement Programs
FHFA: Federal Housing Finance Agency
SCP: Suspended Counterparty Program
Failure to authorize the annual background check, or the employee being listed on one of the prohibition lists above, may lead to loss of the ability to participate in the mortgage origination or servicing process and disciplinary action, up to and including termination of employment.
Professional appearance
Utilizes stress in a productive manner and works well under pressure
Ability to lead, inspire, and build trust
Fosters strong computing ethics and integrity
Able to work flexible working hours and in emergency situations
Dependable
Cognitive & Physical Functions
Must have the ability/stamina to work at least 40 hours a week
Will frequently reach, feel, bend, stoop, carry, finely manipulate, and key in data
Must be able to communicate through telephone, e‑mail, and in‑person communications
Must be able to engage in problem‑solving skills to help identify and solve potential issues in the field
Supervisory Approval Required
Situations outside the Credit Union’s policies and procedures
#J-18808-Ljbffr
Primary Functions
The Senior Mortgage Quality Control Analyst will oversee the Credit Union’s mortgage lending quality control program across both mortgage origination and servicing functions to ensure compliance with all applicable regulations, investor guidelines, and industry standards. This role is responsible for managing third‑party loan reviews, implementing quality control processes, analyzing loan trends, and partnering with leadership to maintain the integrity and efficiency of mortgage lending operations.
Quality Control Responsibilities
Responsible for developing and maintaining the mortgage lending quality control program, working closely with third‑party loan review providers and refining the Quality Control Plan.
Develop and implement quality control protocols across both mortgage origination and servicing functions, ensuring compliance with Fannie Mae, Freddie Mac, FHA, VA, and other investor and regulatory guidelines.
Manage relationships with third‑party loan review providers ensuring their findings are consistent with Government Sponsored Entities (GSE) standards and internal policies.
Conduct advanced due diligence and root‑cause analysis on third‑party findings, evaluating both origination and servicing data for accuracy, completeness, and regulatory compliance.
Collaborate with leadership to identify loan deficiency trends, risks, and recommend corrective actions.
Prepare and present monthly reports summarizing quality control findings and improvement recommendations.
Design and lead training initiatives for mortgage lending origination and servicing staff on compliance requirements and loan quality best practices in collaboration with corporate compliance, as needed.
Responsible for conducting comprehensive reviews of underwriter files through a quality control lens, ensuring accuracy, regulatory compliance, and alignment with internal lending standards.
Contribute to the development of new mortgage products and services while ensuring regulatory compliance from origination through post‑closing and servicing.
Collect and report Home Mortgage Disclosure Act (HMDA) data, working with Corporate Compliance.
Track mortgage loan pipeline, focusing on compliance and regulatory adherence.
Monitor industry trends to support continuous improvement initiatives within mortgage lending operations.
Stay current with industry regulations, laws, and guidelines, including TRID, HMDA, Regulation B, UDAAP, and Fair Lending.
Serve as team member in organizational or departmental projects.
Schedule and conduct monthly individual dialogs with manager.
Participate in outside credit union sponsored activities and community/education events to increase credit union awareness.
Participate in meetings, training sessions, and other initiatives as needed.
Maintain strict confidentiality of member information.
Perform other duties and responsibilities as assigned.
Education and Experience
High school diploma or G.E.D equivalent required
Ten years financial institution experience required
Seven years mortgage and quality control experience required
Seven years underwriting experience preferred
Knowledge, Skills & Abilities
Strong knowledge of mortgage loan origination, underwriting, servicing, and quality control requirements for Fannie Mae, Freddie Mac, FHA, and VA
Strong knowledge of federal and state compliance laws and regulations, including TRID, RESPA, TILA, ECOA, and HMDA
Excellent attention to detail to provide accurate, relevant, and timely information to internal and external members
Ability to identify risks and compliance issues
Excellent written and verbal communication skills
Ability to work independently and as part of a team, with flexibility to adapt to change
Strong research, problem solving, and analytical skills
Ability to handle multiple priorities and confidential information
Advanced knowledge and experience with Microsoft Office Suite
Working knowledge of A+FCU policies and procedures
Additional Compliance Requirements
All mortgage‑related positions are subject to an additional background check at the time of hire and annually thereafter to ensure compliance with Federal National Mortgage Association (FNMA) requirements.
This background check includes verification against the following:
GSA: General Services Administration
EPLS: Excluded Parties List System
HUD: U.S. Department of Housing and Urban Development
LDP: List of Parties Excluded or Disqualified from Federal Procurement and Non‑Procurement Programs
FHFA: Federal Housing Finance Agency
SCP: Suspended Counterparty Program
Failure to authorize the annual background check, or the employee being listed on one of the prohibition lists above, may lead to loss of the ability to participate in the mortgage origination or servicing process and disciplinary action, up to and including termination of employment.
Professional appearance
Utilizes stress in a productive manner and works well under pressure
Ability to lead, inspire, and build trust
Fosters strong computing ethics and integrity
Able to work flexible working hours and in emergency situations
Dependable
Cognitive & Physical Functions
Must have the ability/stamina to work at least 40 hours a week
Will frequently reach, feel, bend, stoop, carry, finely manipulate, and key in data
Must be able to communicate through telephone, e‑mail, and in‑person communications
Must be able to engage in problem‑solving skills to help identify and solve potential issues in the field
Supervisory Approval Required
Situations outside the Credit Union’s policies and procedures
#J-18808-Ljbffr