1st United Credit Union
Let's get you a career.
We believe in our employees, and we want them to believe in us. That’s why we provide job training, skill development, and the opportunity to grow with us! At 1st United Credit Union, we are committed to improving the quality of life for our members and the communities we serve across the East Bay and Tri-Valley areas.
We’re looking for a highly experienced Mortgage Credit Quality Control Analyst who will be conducting post-closing audits, re-underwrites, and compliance reviews to ensure loan quality, accuracy, and adherence to investor and regulatory standards. This position plays a key role in maintaining credit integrity, reducing risk, and ensuring compliance with federal, state, and agency requirements. The ideal candidate is detail-oriented, analytical, and proactive in tracking and interpreting regulatory changes that impact mortgage operations and quality control procedures. If you have experience conducting comprehensive audits of Mortgage loans and reviewing post-closing files with strong skills of being detail-oriented, then this role is for you!
What You’ll Do:
Auditing closed mortgage loans (Conventional, HELOC, Portfolio, Non-QM, etc.)
Reviewing all post-closing files and documents
Review underwritten loans for accuracy of income, assets, liabilities, credit, and collateral analysis
Validate loan-to-value (LTV), debt-to-income (DTI), and credit score calculations
Recommend corrective action when underwriting exceptions or errors are found
Validate data integrity in the Loan Origination System (LOS) and HMDA LAR reporting
Confirm disclosure and regulatory requirements were properly met
Maintain internal QC checklist, policies, and procedures to reflect updated requirements
What You Bring:
5-7 years in residential mortgage lending including post-closing auditing, underwriting, compliance, and regulatory oversight
Detail oriented, analytical, and proactive in tracking and interpreting regulatory changes that impact mortgage operations
Effective communication
Understanding current quality trends and defect patterns
Working knowledge of investor/agency guidelines, such as FNMA
Ability to interpret and apply federal and state mortgage regulations and monitor for updates
Strong working knowledge of TRID, TILA/RESPA, ECOA, HMDA, Fair Lending, Flood, SAFE Act, and Reg Z/RESPA
Proficiency in MS Excel and LOS/QC platforms (Encompass, or similar)
Typical office work environment. Hybrid work schedule may be available after successful completion of initial onboarding and training period.
Salary Wage will range from $35.00 to $40.00. This salary range represents the base pay for grade 10 and does not include additional perks. Final compensation will be determined based on qualification, experience, and location.
1st United Credit Union is an Equal Opportunity Employer
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We’re looking for a highly experienced Mortgage Credit Quality Control Analyst who will be conducting post-closing audits, re-underwrites, and compliance reviews to ensure loan quality, accuracy, and adherence to investor and regulatory standards. This position plays a key role in maintaining credit integrity, reducing risk, and ensuring compliance with federal, state, and agency requirements. The ideal candidate is detail-oriented, analytical, and proactive in tracking and interpreting regulatory changes that impact mortgage operations and quality control procedures. If you have experience conducting comprehensive audits of Mortgage loans and reviewing post-closing files with strong skills of being detail-oriented, then this role is for you!
What You’ll Do:
Auditing closed mortgage loans (Conventional, HELOC, Portfolio, Non-QM, etc.)
Reviewing all post-closing files and documents
Review underwritten loans for accuracy of income, assets, liabilities, credit, and collateral analysis
Validate loan-to-value (LTV), debt-to-income (DTI), and credit score calculations
Recommend corrective action when underwriting exceptions or errors are found
Validate data integrity in the Loan Origination System (LOS) and HMDA LAR reporting
Confirm disclosure and regulatory requirements were properly met
Maintain internal QC checklist, policies, and procedures to reflect updated requirements
What You Bring:
5-7 years in residential mortgage lending including post-closing auditing, underwriting, compliance, and regulatory oversight
Detail oriented, analytical, and proactive in tracking and interpreting regulatory changes that impact mortgage operations
Effective communication
Understanding current quality trends and defect patterns
Working knowledge of investor/agency guidelines, such as FNMA
Ability to interpret and apply federal and state mortgage regulations and monitor for updates
Strong working knowledge of TRID, TILA/RESPA, ECOA, HMDA, Fair Lending, Flood, SAFE Act, and Reg Z/RESPA
Proficiency in MS Excel and LOS/QC platforms (Encompass, or similar)
Typical office work environment. Hybrid work schedule may be available after successful completion of initial onboarding and training period.
Salary Wage will range from $35.00 to $40.00. This salary range represents the base pay for grade 10 and does not include additional perks. Final compensation will be determined based on qualification, experience, and location.
1st United Credit Union is an Equal Opportunity Employer
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