Mortgage QC Analyst

QC Analyst

The QC Analyst helps ensure the company operates in accordance with mortgage lending laws, regulations, and internal policies. This role works closely with leadership and operational teams to monitor regulatory changes, review processes, identify potential compliance issues, and support the development of effective compliance practices across the organization.

The ideal candidate has a strong background in mortgage or banking compliance, excellent attention to detail, and the ability to communicate regulatory requirements in a clear and practical manner.

Duties & Responsibilities

• Monitor changes to federal and state mortgage lending laws and regulations and help ensure the company remains compliant.
• Research and interpret regulatory requirements and assist with implementing any necessary operational or procedural changes and fulfilling audit requests accurately and timely.
• Provide guidance to leadership and staff regarding compliance-related questions and potential risks.
• Support regulatory examinations, audits, and state reviews by gathering information and responding to requests.
• Conduct compliance reviews, quality control audits, and risk assessments to identify potential issues and recommend corrective actions.
• Review loan origination, processing, underwriting, closing, and servicing practices to ensure compliance with applicable requirements.
• Assist in developing, updating, and maintaining compliance policies, procedures, and internal controls.
• Create and maintain compliance resources, including training materials, guidance documents, and staff communications.
• Partner with operations teams to implement regulatory changes affecting loan processes and disclosures.
• Help investigate compliance concerns and recommend practical solutions.
• Deliver and support compliance training for employees as needed.
• Maintain accurate records related to compliance reviews, findings, corrective actions, and regulatory updates.
• Stay informed on industry trends, regulatory developments, and compliance best practices.
• Perform other duties as assigned.

Required Skills & Abilities

• Strong knowledge of mortgage lending regulations and compliance requirements.
• Excellent verbal and written communication skills.
• Strong attention to detail and organizational skills.
• Ability to analyze information, identify risks, and recommend solutions.
• Ability to work independently while collaborating effectively with multiple departments.
• Strong problem-solving and decision-making skills.
• Ability to manage multiple priorities and meet deadlines.
• Professional handling of confidential and sensitive information.
• Proficiency with mortgage lending systems, compliance tools, and Microsoft Office applications. Encompass/ LOS experience strongly preferred.
• Ability to work effectively in a fast-paced environment.

Experience

• Minimum of 35 years of experience in mortgage compliance, banking compliance, quality control, regulatory oversight, or a related field.
• Experience interpreting and applying mortgage lending regulations and compliance requirements.
• Previous experience supporting regulatory examinations, audits, or compliance reviews is preferred.
• Mortgage industry experience is strongly preferred.
• Relevant compliance certifications are a plus but not required.

Physical Requirements

• Prolonged periods of sitting or standing while working at a computer.
• Ability to perform the essential functions of the position with or without reasonable accommodation.