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Quality Control

Date: Mar 20, 2021

Location: Atlanta, GA, US, 30328

Company: United Bank

Job Description

The Quality Control Specialist will be responsible for pre-funding and post-funding audit reviews of Crescent Mortgage Company Originated Loans. The reviews ensure that Crescent Mortgage Company business units are in compliance with all internal policy & procedures, federal, state, local and governmental regulatory requirements; and investor/product specific guidelines. Perform all duties in accordance with the company’s policies and procedures, all US state and federal laws and regulations, wherein the company operates.

Essential Duties and Responsibilities include the following.  Other duties may be assigned.

  • Perform pre-funding and post-funding quality control audit for random, targeted, and discretionary sample selections.
  • Order reverifications as required by agency and investor requirements.
  • Audit loans to ensure processing and underwriting are compliant with agency and investor guidelines, in addition to internal policies and procedures.
  • Audit closing package to ensure documents are accurate and executed properly, in addition to ensuring compliance with all internal policy & procedures, federal, state, local and governmental regulatory requirements; and investor/product specific guidelines.
  • Comment on inaccuracies, program violations and/or missing items.
  • Perform appraisal desk reviews.
  • Thoroughly document findings.
  • Follow appropriate steps to further investigate identified fraud red flags.
  • Perform all tasks and responsibilities related to Compliance and BSA as directed by supervisors, Compliance and BSA Officers.

Supervisory Responsibilities:  None

Qualifications

.Education, Experience and/or Licenses:

  • High school diploma or equivalent work experience.
  • Two (2) to three (3) years of experience in mortgage underwriting and/or QC auditing
  • Must have experience with loan origination process and documents.

 

Essential Knowledge, Skills, Abilities, and Competencies:

  • Strong working knowledge of the mortgage and real estate industry.
  • Strong knowledge of FNMA, FHLMC, FHA, VA and USDA preferred.
  • Strong independent working skills.
  • Strong written and verbal skills.
  • Ability to maintain clear, open, and understanding relationships with management and associates.
  • Ability to perform necessary risk assessment analyses, evaluations, and reports for an efficient and effective audit program.
  • Ability to understand, remember, and communicate routine, factual information
  • Ability to understand complex problems and to collaborate and explore alternative solutions.
  • Ability to understand opposing points of view on highly complex issues and to negotiate and integrate different viewpoints.
  • Ability to make decisions that have significant impact on the department’s credibility, operations, and services.
  • Ability to organize thoughts and ideas into understandable terminology.
  • Ability to organize and prioritize own work schedule on short-term basis (longer than one month).
  • Ability to add, subtract, multiply, divide and to record, balance, and check results for accuracy.
  • Ability to express or exchange ideas by means of the spoken word, communicating orally with others accurately, audibly, and quickly.
  • Ability to formulate complex and comprehensive materials such as training documents, authoritative reports, of major scope and impact, etc., and/or to make formal preseentations

Company Profile

At United, we value all of the relationships we have built since 1839. We are committed to providing each relationship with an unmatched level of service. While we offer competitive products, services, rates, and technology, the level of service we provide and our commitment to building relationships is what sets us apart from our competitors. Our 211 full-service banking offices and 15 loan origination offices in West Virginia, Maryland, Virginia, Ohio, Georgia, Pennsylvania, North Carolina, South Carolina and Washington, D.C. are each built on customer service and commitment to the community. United is backed by a history of safe, sound and secure banking practices that have allowed us to navigate through decades of changing economic environments. Because of this, our employees, customers, shareholders and communities can rely on us to be their banking partner for decades to come. Member FDIC. Equal Housing Lender. Equal Opportunity Employer.


Nearest Major Market: Atlanta

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