Palm Harbor Homes · 4 months ago
Quality Control Analyst II
Plano, TX
Full-time
Onsite
Mid Level
3+ years expCountryPlace Mortgage is a leading nationwide personal property, mortgage, and commercial lender headquartered in Plano, TX. They are seeking a Quality Control Analyst II to review financial products for accuracy, completeness, and regulatory compliance, while identifying potential risks and improving operational efficiency.
Real Estate
No H1B
Responsibilities
Conduct advanced pre- and post-closing quality control reviews of consumer, mortgage and commercial loan products with a focus on complex loan structures and high-risk transactions
Independently analyze loan applications, credit reports, underwriting decisions, disclosures, surveys, title policies, appraisals and customer communications for all loan products
Maintain subject matter expertise in mortgage regulations, agency guidelines and loan program requirements
Verify calculations for income, loan to value (LTV) calculation and debt to income (DTI)
Perform detailed audits of loan servicing, including escrow management, loan modifications, delinquencies, default management, and customer service interactions
Submit selected loan files to third-party quality control companies as required
Monitor and track the status of third-party reviewer to ensure timely resolution of any resulting findings
Review third-party audit reports, reconcile discrepancies and implement corrective action plan (CAP)
Handle material findings or discrepancies with management
Coordinate with internal departments to formulate timely, accurate responses to audit findings
Efficient in analyzing quality control data to identify trends or defects
Review commercial loans to ensure underwriting and documentation adhere to guidelines
Perform targeted audits for commercial business to ensure adherence to policies and established procedures
Perform targeted audits for all products to verify accuracy, consistency, error detection and omission of data
Responsible for all documents used to perform audits including checklists, reports, scorecards, trackers, etc
Lead collaboration to improve processes and procedures enhancing efficiency, accuracy, and compliance
Advanced understanding of origination and servicing policies, guidelines, and regulations
Skilled at testing and developing procedures to ensure consistency and accuracy
Lead internal and external audits and quality reporting activities
Report QC findings to senior staff and lead investigations of defects and CAPs
Drive the development and execution of testing protocols and quality plans
Ensure audits are performed in a timely manner, in accordance with established policies and procedures
Deliver QC results, provide training and work with supervisors on needed improvements
Efficient in analyzing quality metrics to identify trends or defects and report findings to senior management
Responsible for preparing daily, weekly, and monthly quality control reports
Advanced at responding, monitoring, and tracking compliance complaints
Perform administrative, database administration and preparation of reports as required
Perform other related duties as required and assigned
Qualification
Required
BA/BS degree required in Business, Accounting, Finance or Management
3 years' experience as a consumer loan credit analyst or mortgage underwriter and/or quality control specialist in the financial services or mortgage industry
Strong analytical, written, and verbal communication skills
Advanced leadership and interpersonal skills with the ability to guide and influence others
Deep understanding of underwriting principles, quality control procedures, and regulatory requirements
Strong in analyzing credit, income, loan-to-value (LTV), and debt-to-income (DTI) ratios
Able to manage complex workflows and meet deadlines in a high-volume environment
Proven ability to interpret and apply federal and state lending laws and investor guidelines
Advanced knowledge of Microsoft Excel and familiarity with quality assurance systems and reporting tools
Benefits
Medical/Dental/Vision Insurance
Paid Holidays
401K Match
Generous PTO
FSA/HSA Plans
Life /Disability/Accidental Insurance and much more!
Company
Palm Harbor Homes
Palm Harbor Homes is a construction company that provides mobile and modular home construction services.
501-1000 employees
Funding
Current Stage
Late StageRecent News
EIN Presswire
2025-04-29
EIN Presswire
2025-01-22
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