QC Analyst

Up to $24/hr, depending on experience, plus benefits. Remote within the U.S.; hybrid required if located within 31 miles of Santa Ana, CA or Austin, TX (4 days on-site).

About the role

Assist the Quality Control Department with clerical functions, prepare files for audit, and provide analysis support for various audit types. This position requires experience and a general understanding of investor and agency QC policies. Working in a paperless environment and LOS, the Quality Control Analyst completes loan-level and data analysis as requested by QC Management and collaborates closely with the AVP of Post QC, QC Auditors, and other operational departments.

Responsibilities

• Review loan files for specific Post QC tax-transcript requirements, order tax transcripts, compare results to the loan file, and maintain tax-transcript reporting.
• Prepare loan files for QC audit.
• Select qualifying Early Payment Default loans.
• Analyze servicing reports and HUD data.
• Perform written and verbal reverifications as required by investors, agencies, and the NAF QC Plan.
• Support the Pre-Fund audit team when reverifications must be ordered.
• Navigate agency and investor technology systems; complete file uploads and missing-document requests to portals.
• Perform oversight review of vendor reverifications for accuracy.
• Complete and retain agency and investor reporting as assigned by the AVP, Post QC.
• Distribute HUD notices via email and copy QC Management.
• Escalate unsatisfactory documentation and/or reverifications as necessary.
• Maintain general knowledge of loan-file documentation, investor/agency QC guidelines, NAF overlays, and NAF policies and procedures.
• Demonstrate awareness of fraud prevention and familiarity with red flags.
• Complete continuing education via webinars and other training as required.
• Perform other duties as assigned by the AVP, Post QC.

Requirements

• High school diploma or GED; five or more years of mortgage processing and/or QC experience preferred.
• General knowledge of investor and agency quality-control policies and procedures.
• Ability to analyze risk as it relates to investment-quality loans.
• Ability to review audit documentation, validate, and document potential risk for escalation to management.
• Excellent organization, written, and oral communication skills.
• Strong reporting skills, including working knowledge of Excel, Office tools, and the ability to provide summary reports to management.
• Ability to read and interpret documents such as safety rules, operating instructions, and procedure manuals.
• Ability to write routine reports and correspondence.
• Ability to speak effectively before groups of customers or employees.
• Ability to calculate figures such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume; apply concepts of basic algebra and geometry.
• Ability to apply common-sense understanding to carry out instructions furnished in written, oral, or diagram form; deal with problems involving several concrete variables in standardized situations.
• Knowledge of MS Word, MS Excel, Internet Explorer, and MS Outlook.
• Must be able to verify identity and employment eligibility to work in the U.S.

Core Competencies

• Problem Solving: Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem-solving situations; uses reason even when dealing with emotional topics.
• Interpersonal: Maintains confidentiality; keeps emotions under control.
• Oral Communication: Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; participates in meetings.
• Team Work: Balances team and individual responsibilities; exhibits objectivity and openness to others’ views; gives and welcomes feedback; contributes to building a positive team spirit; puts success of team above own interests; supports everyone’s efforts to succeed; recognizes accomplishments of other team members.
• Written Communication: Writes clearly and informatively; edits work for spelling and grammar; presents numerical data effectively; able to read and interpret written information.
• Quality Management: Looks for ways to improve and promote quality; demonstrates accuracy and thoroughness.
• Business Acumen: Understands business implications of decisions; displays orientation to profitability; aligns work with strategic goals.
• Diversity: Shows respect and sensitivity for cultural differences; promotes a harassment-free environment.
• Ethics: Treats people with respect; keeps commitments; inspires the trust of others; works with integrity and ethically; upholds organizational values.
• Organizational Support: Follows policies and procedures; completes administrative tasks correctly and on time; supports organization’s goals and values.
• Strategic Thinking: Develops strategies to achieve organizational goals; understands organization’s strengths and weaknesses; adapts strategy to changing conditions.
• Adaptability: Adapts to changes in the work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays, or unexpected events.
• Attendance/Punctuality: Is consistently at work and on time; ensures work responsibilities are covered when absent; arrives at meetings and appointments on time.
• Dependability: Follows instructions, responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; completes tasks on time or notifies appropriate person with an alternate plan.
• Initiative: Asks for and offers help when needed.
• Judgment: Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process; makes timely decisions.
• Planning/Organizing: Prioritizes and plans work activities; uses time efficiently.
• Professionalism: Approaches others in a tactful manner; reacts well under pressure; treats others with respect and consideration regardless of their status or position; accepts responsibility for own actions; follows through on commitments.
• Quantity: Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly.
• Safety and Security: Observes safety and security procedures; reports potentially unsafe conditions; uses equipment and materials properly.

Physical Demands

• Must be able to lift up to ten pounds.
• Primary functions require sufficient physical ability and mobility to work in an office setting; to stand or sit for prolonged periods of time; to occasionally stoop, bend, kneel, crouch, reach, and twist; to lift, carry, push, and/or pull light to moderate amounts of weight; to operate office equipment requiring repetitive hand movement and fine coordination, including use of a keyboard.
• Vision: See in the normal visual range with or without correction.
• Hearing: Hear in the normal audio range with or without correction.