Home Equity Lending Quality Control Analyst

# **Please reference the schedule and minimum qualifications listed below before applying.**If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email macurecruiting@macu.com and every reasonable effort will be made to accommodate your needs in a timely manner.# **Job Summary**Performs Quality Control Audits on lending products and ensures applications are originated and underwritten in accordance with credit union policy and procedure and that they meet regulatory guidelines. Focus on Home Equity reviews.# **Job Description****LOCATION**Mountain America Center - Hybrid:9800 S Monroe St

Sandy, UT 84070**SCHEDULE**Full TimeTo be effective, an individual must be able to perform each essential duty successfully.* Performs first line Quality Control Audits and reports the analysis performed on lending products, such as, but not limited to, Consumer and Home Equity Products.* Analyzes and validates the underwriting decisioning process for reviewing and approving loans according to credit union policy and procedure.* Evaluates loan applications, verifications of employment and deposit, credit reports, etc., to determine credit worthiness, ensure compliance with MACU policies and procedures, and consistency between the file documentation and the loan origination system.* Evaluates appraisals for accuracy and compliance with internal guidelines.* Requests and reviews re-verification of loan file documentation to validate accuracy, identify concerns, and mitigate risk.* Monitors lending origination portfolio for red flags related to fraud, maintaining knowledge about current fraud schemes.* Understands credit risk and compensating factors and applies that understanding to determine whether credit decisions align with organizational tolerances.* Completes both Pre-Funding Audits (PFA) and Post-Close audits.* Follows all MACU lending department policies and procedures.* Calibrates loan review results with other team members, leaders,

and credit union teams to ensure accuracy in the review process.* Audits files quickly with clear, concise conditions or feedback as necessary. Performs a high volume of work and meets required investor deadlines.* Communicates requirements and gaps identified in loan files, working with responsible parties to address and correct issues when possible.* Monitors compliance by providing strong expertise with all regulations applicable to lending, including TILA, ECOA, FCRA, RESPA, and other state and federal regulations as applicable. Provides compliance support to the lending teams.* Participate in ongoing training of all lending products.* Uses tools provided to research and self-identify guidance on all loan programs and guidelines.* Maintains current knowledge of MACU’s lending updates, criteria, guidelines, procedures, policies, and processes in order to analyze sound lending decisions.* Other duties as assigned**KNOWLEDGE, SKILLS and ABILITIES**The requirements listed are representative of the knowledge, skills, and/or abilities required.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.**Experience**Three years in lending experience in credit administration, underwriting, or asset and portfolio management. One year of underwriting experience strongly preferred.**Education**Four-year degree from an accredited institution in business, marketing, finance, economics or related field, or two additional years' experience in a progressive financial setting.**Licenses, Certificates, Registrations**N/A**Managerial Responsibility**N/A**Computer/Office Equipment Skills*** Intermediate skills with Microsoft Office Suite including Outlook, Word, PowerPoint, and Excel.* Demonstrated experience with loan origination system required.* Experience with Quality Control software preferred.* Experience with analytical and reporting software preferred.**Language Skills*** Demonstrated ability to clearly express ideas, methodology, results, and recommendations verbally, in writing and through insightful reports and graphic illustrations.* Demonstrated ability to document outcomes and present information in a manner appropriate for key stakeholders and all levels of the organization.* Courtesy, tact, and diplomacy are essential elements of the job.**Other Skills and Abilities*** Ability to work both autonomously and collaboratively in a fast-paced environment.* Self-starter with strong organizing and time management skills and the ability to work productively and efficiently in a fast-paced environment with multiple projects and timelines.* Knowledge of consumer lending, consumer lending compliance, and consumer financial protection laws required.* Adaptive to change, responds positively to altered circumstances or conditions.* Possess a desire and willingness to learn and continually update knowledge base on financial concepts, strategies, systems etc.* Take initiative to be a problem solver and provide suggestions to improve processes and efficiencies.* Excellent inter-personal skills including the ability to collaborate with teams.* Maintains confidentiality with others since information involves complex, detailed and often sensitive topics.* Develops and maintains quality time frames and management of pipeline to achieve and meet required lending timelines. Other duties as assigned.**PHYSICAL ABILITIES / WORKING CONDITIONS****Physical Demands**Ability to sit, talk and hear consistentlyAbility to stand, walk, and use hands to handle or reach occasionally**Vision Requirements**Close vision (clear vision at 20 inches or less)Distance vision (clear vision at 20 feet or more)**Weight Lifted or Force Exerted**Ability to lift up to 10 pounds occasionally**Environmental**There are no unusual environmental factors (such as a typical office)**Noise Environment**Moderate noise (business office with computers and printers, light traffic)#LI-BH1Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.Follow @MountainAmericaLife on

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to see why our team members love working at Mountain America!Mountain America Credit Union is one of the foremost financial institutions in the country, with more than 95 branches located in 5 states (Utah, Idaho, Nevada, Montana, and Arizona). We believe that a healthy balance between work, home life, and play is essential to our team members and our success. We offer a friendly, comfortable and inclusive work environment, fun employee activities and exciting charity events to ensure that no day is dull at Mountain America.Our purpose is to help members enjoy a good life by providing them a positive incentive to save and manage their finances. We also give members easy access to their accounts and allow them to control their funds in a variety of ways, including ATMs, online home banking, mobile banking, direct deposit, automatic payment options and access through a large branch network. When making decisions, we always put members' needs first. It's just the way we do business and a part of the "people helping people" philosophy of credit unions. #J-18808-Ljbffr