Quality Control Analyst - TX, CO, AZ (In Office)

Quality Control Analyst - TX, CO, AZ (In Office) Quality Assurance plays a vital role across all mortgage products, services, and activities. Effective management of compliance risk is a fundamental element of regulatory risk oversight. The Quality Assurance department within EML functions as a second line of defense, performing independent and objective reviews of business processes, functions, and departments to determine the effectiveness of internal controls in managing compliance and procedural risks. A QA Analyst primarily conducts detailed audits of loan files to ensure accuracy, completeness, and compliance with internal policies, regulations, and investor guidelines. Responsibilities include performing pre- and post-closing audits, identifying and reporting defects or discrepancies, documenting trends, and collaborating with management to implement corrective actions and process improvements across departments. Core responsibilities Conduct audits: Perform advanced reviews of mortgage loans. Review loan documentation: Independently analyze loan file components, including but not limited to credit reports, appraisals, title policies, and disclosures. Ensure compliance: Verify that loan files and processes adhere to federal, state, and investor regulatory guidelines as well as internal policies and procedures. Identify and report issues: Document and report errors, discrepancies, and potential risks in loan files or workflows. Collaborate on corrective actions: Partner with management to develop and implement action plans for identified issues. Document quality data: Prepare reports for management and document trends and error rates. Maintain expertise: Stay current on i-achieve assignments, EML process changes, and emerging QA requirements to serve as a subject matter expert. Key activities and skills Collaborate with teams: Participate in meetings, training, and feedback sessions. Demonstrate strong teamwork ethics and work respectfully with production, processing, underwriting, and compliance teams. Generate reports: Prepare daily, weekly, and monthly reports summarizing findings and metrics. Manage workflow: Balance multiple priorities and meet deadlines while maintaining accuracy and attention to detail. Utilize systems: Use loan origination systems and other tools to input data, perform audits, and document results. Use AI-powered tolls to streamline workflows and reporting. Qualifications Minimum 2+ years of experience in mortgage quality assurance, loan processing, or underwriting. Strong attention to detail with analytical and problem‑solving abilities. Proficiency in loan origination software and Microsoft Office (Excel required). Excellent written and verbal communication skills for reporting findings and collaborating with teams. Education and experience Experience: Requires a high diploma or equivalent and at least 2 years of experience in mortgage quality assurance preferred; prior loan processing and/or underwriting experience may substitute. Technical and regulatory knowledge Mortgage process: Deep understanding of the end‑to‑end mortgage lending process from origination through servicing. Guidelines and regulations: Familiarity with agency guidelines (FHA, VA, Fannie Mae, Freddie Mac) and federal/state regulations such as RESPA, TILA, Reg B, Reg Z, and HMDA. Software: Proficiency in Encompass E360 and Microsoft Office Suite; Excel proficiency is required. Loan calculations: Ability to perform complex calculations such as debt‑to‑income (DTI) and loan‑to‑value (LTV) ratios preferred. Skills and abilities Attention to detail: Exceptional accuracy and thoroughness when reviewing documentation. Analytical mindset: Ability to interpret data, identify risks, and detect potential fraud. Systems thinking: Understand how one error can impact related processes or outcomes. Communication: Strong written and verbal communication to convey findings clearly. Problem‑solving: Proactive approach to identifying and resolving issues efficiently. Time management: Strong organizational skills to manage multiple audits in a fast‑paced environment. Teamwork: Ability to work independently while collaborating effectively with cross‑functional teams. Salary range: $30.29 to $41.82 depending on experience. Benefits Medical, Dental and Vision Insurance - START DAY ONE! Life and Disability Insurance, Paid Parental Leave and Adoption Assistance Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts Paid Training, Paid Time Off (PTO) and Paid Federal Holidays, and any applicable state holidays 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience Mental health benefits including coaching and therapy sessions Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire Employee Ambassador preferred banking products This position will be open until filled. All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations. Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law. It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran. Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site. You can request reasonable accommodations by contacting us at View email address on click.appcast.io or View phone number on click.appcast.io. Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact. Vectra Bank a division of Zions Bancorporation, N.A. Member FDIC #J-18808-Ljbffr Vectra Bank