Mortgage Underwriting Quality Control Analyst - Credit Quality (Remote Eligible)

at  MT Bank

Overview:
Responsible for the completion of internal audits and communicating results to loan production offices and management; maintain current knowledge of both internal and external policy, procedures and guidelines; evaluate trend pattern analysis and identify fraud/misrepresentation.
Location: This position is open to remote work for the right candidate.

Primary Responsibilities:

• Evaluate a selected number of loans on a monthly basis to ensure accuracy, adherence to procedures, and compliance with Bank standards.
• Perform both pre-funding and post-funding Quality Control reviews to include review of underwriting guidelines and product pages applicable to each loan reviewed, re-verification of specific contents of the loan file, ordering and review of field review appraisals, communication of potential defects to applicable parties and updating of QC system.
• Exercise judgment when utilizing escalation process.
• Conduct special audits as required in response to requests from Audit, Mortgage Management, and/ or any regulatory agency.
• Identify red flags and conduct additional due diligence when applicable.
• Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
• Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
• Promote an environment that supports diversity and reflects the M&T Bank brand.
• Complete other related duties as assigned.

Education and Experience Required:
Associate’s degree with minimum 4 years’ mortgage processing/underwriting experience,
OR in lieu of a degree,
A combined minimum of 6 years’ higher education and/or work experience, including a minimum of 4 years’ mortgage processing/underwriting experience.
Working knowledge of agency guidelines.
Ability to work well with all levels of management.
Excellent verbal and written communication skills.
Proven customer service skills.
Demonstrated ability to work well under pressure
Education and Experience Preferred:
FHA DE and VA LAPP certifications.
Proficient in Allregs, Microsoft Excel and Word.
Experience in both Retail and 3rd party originations.
Location
Clanton, Alabama, United States of Americ

• Evaluate a selected number of loans on a monthly basis to ensure accuracy, adherence to procedures, and compliance with Bank standards.
• Perform both pre-funding and post-funding Quality Control reviews to include review of underwriting guidelines and product pages applicable to each loan reviewed, re-verification of specific contents of the loan file, ordering and review of field review appraisals, communication of potential defects to applicable parties and updating of QC system.
• Exercise judgment when utilizing escalation process.
• Conduct special audits as required in response to requests from Audit, Mortgage Management, and/ or any regulatory agency.
• Identify red flags and conduct additional due diligence when applicable.
• Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
• Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
• Promote an environment that supports diversity and reflects the M&T Bank brand.
• Complete other related duties as assigned