Mortgage Quality Assurance Analyst, Birmingham

Responsible for development and implementation of compliance programs, policies, procedures and reporting. Utilizes established internal controls and auditing systems to identify, detect, and correct noncompliance issues. Also responsible for timely and accurate monthly reporting of Quality Control audit results to Management.

Essential duties and responsibilities include the following. Other duties may be assigned.

• Weekly review of pipeline management
• Ability to develop, implement, and evaluate policies and procedures to ensure regulatory adherence.
• Adverse Action Notices – Manage, prepare and deliver adverse action notices to borrowers based on LO or Underwriter credit decisions and action date and utilize loan officer’s electronic signatures to sign denials.
• Prepare and save Dead File packages for all files that are denied, withdrawn or closed for incompleteness
• SAFE Act Administration – Registration, termination and annual renewal of MLOs for HML and anyone within SPB that requires an NMLS #.
• Ensure all MLOs and Bank employees sign the SAFE Act acknowledgement forms annually and are provided with SAFE Act training as required by the banks policy and procedures through BAI training.
• Quality Control – Clear and respond to all exceptions from Regulatory Solutions that are received and prepare monthly final summary for Operations manager.
• Pre-Funding QC Reviews
  - Review a sampling of loans that were selected for QC review and communicate any findings to loan officer, processor, underwriter and closer to clear before loan is closed.
• Flood Reporting – Monitor emails from flood insurer notifying the bank of any changes on zoning. Also, notify investors / borrowers of any changes that may result in negative impact of flood zone changes.
• Participate in webinars and seminars in order to keep up to date on changes in state and federal law changes.

Problem Solving
:
Identifies and resolves problems in a timely manner;
Gathers and analyzes information skillfully;
Develops alternative solutions;
Works well in group problem solving situations;
Uses reason even when dealing with emotional topics.

Customer Service
:
Manages difficult or emotional employee/customer situations;
Responds promptly to employee/customer needs;
Solicits employee/customer feedback to improve service;
Responds to requests for service and assistance;
Meets commitments.

Communication
:
Speaks clearly and persuasively in positive or negative situations;
Listens and gets clarification;
Responds well to questions. Writes clearly and informatively;
Edits work for spelling and grammar;
Presents numerical data effectively;
Able to read and interpret written information.

Teamwork
:
Balances team and individual responsibilities;
Supports everyone's efforts to succeed.

Quality Management
:
Demonstrates accuracy and thoroughness.

Ethics
:
Treats people with respect;
Keeps commitments;
Works with integrity and ethically;
Upholds organizational values.

Organizational Support
:
Follows policies and procedures;
Completes administrative tasks correctly and on time;
Supports organization's goals and values.

Adaptability
:
Adapts to changes in the work environment;
Manages competing demands;
Changes approach or method to best fit the situation;
Able to deal with frequent change, delays, or unexpected events.

Planning/Organizing
:
Prioritizes and plans work activities;
Uses time efficiently;
Develops realistic action plans.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Bachelor’s degree or equivalent combination of education and experience required. Three to five years of related experience in the mortgage lending industry.

To perform this job successfully, an individual should have knowledge of Word Processing software; have a high proficiency Loan Origination software.

The work environment characteristics described here are…