Truist · 2 months ago
Production Risk Monitoring Analyst II
Greensboro, NC
Full-time
Onsite
Senior Level
7+ years expTruist Bank is seeking a Production Risk Monitoring Analyst II to ensure adherence to mortgage product guidelines through independent review and validation of residential mortgage loan underwriting decisions. The role involves performing detailed re-underwriting analysis, evaluating appraisal reports, determining borrower credit worthiness, and documenting findings clearly.
BankingFinanceFinancial Services
Responsibilities
Perform detailed re-underwriting analysis on Truist Mortgage loan products including calculating all income types (e.g. wage earner, retirement, self-employed, etc.), calculating complex financial analysis as needed, analyzing real estate appraisals to determine if collateral is acceptable, analyzing title report and lien information, reviewing hazard and flood insurance for adequate coverage, reviewing all financial statements, and reviewing all additional documentation to determine accuracy and compliance with portfolio and investor, FHA, VA, and USDA guidelines. Ensure that all loan files are documented to guidelines for marketability to Fannie Mae, Freddie Mac, including FHA, VA, and USDA to ensure insurability
Evaluate an appraisal report in adherence to Fannie Mae, Freddie Mac, FHA, VA, and USDA guidelines to determine if the opinion of value stated by the appraiser was supported with the comparable data provided, review for completeness, health and safety issues, as well as external obsolescence
Determine credit worthiness of a borrower to include knowing how to read a credit report, identify fraud red flags and question items that are suspicious in nature that may result in unnecessary risk and fines to Truist and recalculate liabilities
Review the rationale of the loan approval and the quantitative and qualitative factors used to justify the approval
Clearly document, in an understandable, concise and consistent manner, detailed findings of review performed
Develop and maintain a strong understanding of All Mortgage products including but not limited to Government-Sponsored Enterprise (GSE), Federal Housing Administration (FHA), Veterans Affairs (VA), United States Department of Agriculture (USDA) and portfolio products, policies, processes that support Truist, Investor/Insurer requirements
Ensure proper safeguarding of confidential and proprietary information of consumers and other protected information under the Company's Information Security Policy
Identify all red flags to ensure they are addressed accordingly and escalate files for fraud review
Assist with the development and updating of departmental procedures
Participate in training relating to the job and any other training programs as required
Qualification
Required
Ten years of mortgage banking experience in production quality assurance, quality control, mortgage underwriting or similar experience
Seven years of residential mortgage underwriting loan experience
Bachelor's degree or equivalent education and related training
Extensive knowledge of all conventional and governmental underwriting guidelines including Fannie Mae/Freddie Mac/FHA/VA/USDA lending guidelines and quality control requirements
Expertise of FHA Total Scorecard, Desktop Underwriter, Loan Product Advisor, Guaranteed Underwriting System and manual underwriting
Ability to underwrite complex credit requests to include analysis of self-employed borrower with multiple business entities
Exceptional attention to detail to produce high-quality work
Ability to multi-task in fast paced environment
Ability to work with minimal supervision while completing workloads
Proficient computer skills (i.e., Microsoft Word, Excel, Outlook, SharePoint etc.)
Preferred
Strong knowledge of mortgage loan origination systems and overall mortgage production processes (e.g. origination, processing, underwriting, closing, and government insuring)
Direct Endorsement (DE) Underwriter Certification
Veterans Affairs Staff Appraisal Reviewer (VA SAR)
Benefits
Medical
Dental
Vision
Life insurance
Disability
Accidental death and dismemberment
Tax-preferred savings accounts
401k plan
No less than 10 days of vacation
10 sick days
Paid holidays
Defined benefit pension plan
Restricted stock units
Deferred compensation plan
Company
Truist
Truist is the sixth-largest commercial bank in the U.S.
10001+ employees
H1B Sponsorship
Truist has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (313)
2024 (247)
2023 (288)
2022 (275)
2021 (278)
2020 (270)
Funding
Current Stage
Late StageTotal Funding
unknown2021-01-01Seed
Leadership Team
Michael Maguire
Chief Financial Officer
James Cordovana
SVP of Cloud Security Enterprise Architect
Recent News
2026-01-16
Bizjournals.com Feed (2025-11-12 15:43:17)
2026-01-15
Company data provided by crunchbase