Quality Assurance Specialist

Quality Assurance Specialist

The Quality Assurance Specialist helps evaluate and monitor the quality assurance activities of the Operations Department. Assist with the completion of numerous functions including performing audits on ARM notices, Insurance Ratings, MERS, Taxes, Unapplied funds, Real Estate Payoffs, and State National Flood reviews and reporting. Assist with completing the annual HMDA review by established deadline. Responsible for testing and monitoring processes and procedure auditing. This includes accuracy of system interfaces, data file reviews, CORE system acceptance of deposit, real estate loan and Fintech accounts. Assist with performance of system, workflow, and process deficiency identification, troubleshooting and resolution. May participate in team projects where new products or system interfaces are updated and require testing or validation.

Organizational Relationships:

Reports to: Supervisor – Quality Assurance

Supervises: None

Contacts: All levels of credit union and collaborative employees, internal and external auditors, and vendors.

Qualifications/Requirements:

Experience: 2 years operational and/or lending experience required. General knowledge of consumer and real estate lending with an understanding of Bellco's underwriting guidelines, general knowledge of loan operating systems, HMDA, and strong working knowledge of DNA.

Education: Bachelor's degree in related field or equivalent experience preferred

Skills:

• Must possess strong communication, organizational, presentation, customer service and interpersonal skills
• Detail oriented, flexible and works well within a fast-paced team environment
• Demonstrates strong analytical/problem solving and time-management skills
• Strong PC skills to include Microsoft Word, Excel, Access, cView, Consumer and real estate origination and servicing systems
• Must demonstrate good judgment
• Knowledge of Bellco's front-line systems

Ability to interpret data and deductive reasoning skills

• Ability to work independently without supervision
• Ability to multitask and perform with frequent interruption

Essential Functions:

1. Demonstrates Bellco's Act Nice Behaviors and Core Values in all interactions with members, prospective members, and personnel in other Bellco departments.
2. Consistently outline ways to enhance the member/customer experience through improved processes and technology.
3. Assist with QA for Insurance Ratings for PMI, MERS, Taxes, Flood and Unapplied. Also assist with review on ARM Notices (Quarterly) and RE Payoffs (Quarterly).
4. Help to complete Annual HMDA Review accurately and by established deadline. This includes a review of data for all qualifying real estate lending products. This includes loading data into HMDA system of record and review of data for compliance and accuracy.
5. Assist with review on all automated processes impacting CORE system interfaces. These interfaces include Velocity, CUDC, Temenos, Online Banking, and Fintechs etc.
6. Assist with review of Real Estate system interface to verify automated uploading of loan accounts for accuracy to include QA review of mortgages acquired through correspondent channel.
7. Assist with review of custom reports to ensure accuracy. Log and report findings in a comprehensive and organized manner. Validate document batches are completed to limit risk exposure, and frontline impact due to missing or unindexed required documents. Work directly with internal teams to resolve deviations and other compliance issues promptly.
8. Assist with the performance of system, workflow, and process troubleshooting and resolution. This will include testing vital systems related to real estate loans.
9. Participates in team projects where new products or system interfaces are presented. Develop and maintain quality documentation, such as validation protocols.
10. Work with team members to create needed reports to review and analyze core data for accuracy, communicate and track all follow-up items through to completion.
11. Assist with the development of procedures to detect and prevent the occurrence of deposit account errors, loan nonconformities, collateral or documentation.
12. Collaborate with Training, the liaison team, and/or frontline for process improvement changes or training needs.
13. Review reports and documents to ensure regulations and policies and procedures of the Credit Union are being followed including but not limited to all HMDA, Reg Z, Truth in Lending, and TILA RESPA requirements.
14. Assist Operations Support team with tasks as needed including processing of checks, bonds or foreign items and review and submission of invoices.
15. Regular and punctual attendance.

Working Conditions:

Office environment.

Bellco Credit Union provides a comprehensive benefits package to all regular, full time and part time employees, including: Medical, Dental, Vision, 401 (k) with company match, Supplemental Life Insurance, Paid Vacation, Paid Sick Days, and Paid Holidays. In addition to base compensation, Bellco Credit Union offers bonuses for the following roles: Non-exempt branch roles may earn monthly bonuses for meeting production goals and quarterly bonuses for meeting team goals. Exempt branch roles may earn quarterly bonuses for production and team goals. Exempt non-branch management roles may be eligible for an annual managerial bonus. Non-branch non-management roles may be eligible for on-the-spot bonuses for extraordinary performance.