Quality Control Analyst

CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture.

A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You’ll get unwavering support from all departments and total transparency from the top down.

CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.

Position Overview:
The Quality Control Analyst is responsible for conducting daily audits of post decisioned loan files, which include the areas of credit report, appraisal, occupancy, red flags, underwriting and decision logic, underwriting conditions/stipulations and compliance. The Quality Control Analyst completes loan audit results electronically, containing feedback of each loan review.  The Quality Control Analyst works closely with the QC Manager to identify and remedy individual and group trends and assists in providing any policy guidance or training as needed. The Quality Control Analyst is responsible for re-underwriting the loan, validating compliance with all agency loan guidelines, regulatory requirements, and procedures.

This position primarily operates within Eastern Time zone working hours to support the East Coast region.
Job Responsibilities:

• Perform quality control audits of an assigned sample of loan files that have been decisioned by CrossCountry Mortgage Underwriters; ensure reviews are conducted in accordance with CrossCountry Mortgage QC plan.

• Ensure loan files are in compliance with all agency loan guidelines, regulatory requirements, company policies and procedures, and meets Agency quality control requirements.

• Assist the QC Manager with projects.

• Attend relevant loan underwriting, credit analysis, or loan program industry trainings.

• Prepare a report of monthly findings; create data reports in Excel or Access.

Qualifications and Skills:

• Bachelor’s degree and/or equivalent combination of education/experience.

• A minimum of 3 years of underwriting experience in the retail mortgage lending industry.

• Knowledge of federal, state, and regulatory rules, laws, regulations, underwriting guidelines and statutes relevant to the mortgage industry.

• Knowledge of HUD/FNMA/FHLMC/VA eligibility guidelines.

• Knowledge of loan processes and procedures.

• Experience with Encompass LOS, preferred.

• Experience in mortgage quality control, preferred.

• FHA and VA experience, preferred.

• Proficiency in Microsoft Office Outlook, Word, and Excel.

This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position.

Pay Range:

• Hourly Rate: 38.46 - 45.67

The posted pay range considers a wide range of compensation factors, including candidate background, experience and work location, while also allowing for salary growth within the position

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