QC Analyst
JMAC Lending
full-time
Posted on:
Location Type: Remote
Location: California • United States
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Salary
💰 $29 - $36 per hour
About the role
- Maintain a pipeline of prefunding and post-closing loans to review within the required turn times.
- Fully assess loan quality, eligibility, and compliance of selected loans assigned.
- Ensure selected loans are in compliance with federal and state regulations, as well as the most current FNMA/FHLMC, FHA, VA, internal, and investor requirements.
- Perform review of credit, income documentation, calculations, and assets used to qualify for accuracy and compliance in order to validate underwriter’s loan approval.
- Increase process efficiency by identifying potential risk and mitigating factors that may impact the Company through credit decisions and the customer's ability to repay the loan.
- Provide interactive feedback and clear communication throughout the audit process with the Underwriters, Funders, and their respective Managers.
- Regularly communicate and provide audit findings to the QC Supervisor.
- Provide updates, reporting and audit findings to internal workgroup(s), for review and mitigate major defects found, when applicable.
- Perform other duties as assigned in order to support the QC business unit
Requirements
- Requires minimum 5 years previous experience in mortgage QC, including experience with conventional, jumbo/non-conforming, and government loans.
- Previous experience in reviewing and analyzing mortgage credit packages, AUS findings, and calculating loan ratios and variables.
- Prior working knowledge and experience in the calculation and verification of income and assets, evaluation of credit reports, purchase contracts, appraisals, title commitments, and other loan pertinent documentation.
- Excellent written and verbal communication skills.
- Excellent customer support skills and service orientation.
- Ability to work cooperatively and professionally in a fast-paced production environment.
- Strong attention to detail and strong communication skills.
- Strong organization skills and ability to prioritize and work well under time constraints to meet deadlines.
- Must be able to endure heavy workloads during peak periods.
- Strong working knowledge and use of Microsoft Office Suite, including Word and Excel.
Benefits
- Comprehensive Health Care Package (Medical, Dental & Vision)
- Life Insurance Options (Basic, Voluntary & AD&D)
- Generous Paid Time Off (Vacation & Holidays)
- Retirement Savings Plan (401k)
- Short-Term & Long-Term Disability Coverage
- Family Leave Benefits
- Wellness Support Resources
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
mortgage quality controlloan eligibility assessmentcompliance reviewcredit analysisincome documentation verificationloan ratio calculationAUS findings analysisappraisal evaluationtitle commitment reviewrisk identification
Soft skills
written communicationverbal communicationcustomer supportservice orientationattention to detailorganizationprioritizationprofessionalismteam collaborationability to work under pressure