Temporary Quality Control Analyst II

Essential Job Functions

• Perform sample selections of deposit and loan products or services for quality review in accordance with internal policies, standards, and procedures.
• Aid in the development of deposit and loan quality control checklists.
• Conduct quality control reviews of the loan origination, funding, and servicing processes performed by Seacoast Bank employees in accordance with services offered to financial institution clients and their associated credit and risk policies.
• Deposit account onboarding review may be performed on an ad hoc basis.
• Review documentation supplied in support of loan applications to confirm all required documentation was supplied, and requirements were met.
• Perform calculations to confirm accuracy of loan details and data and compliance with regulatory requirements for each loan type reviewed.
• Document results of quality control audits performed, including supporting data that may assist in the identification of error trends, issues, or opportunities for additional training of cross-functional teams.
• Prepare quality control reports to be shared with internal management teams and applicable clients detailing observations and recommendations to further enhance and improve current processes.
• Aid the Audit & Compliance in addressing remediation and training with impacted business units.
• Analyze deposit, lending, and other operational policies, standards and procedures as appropriate to ensure accuracy, alignment, and adherence with current guidelines set for Seacoast and/or their clients.
• Gather and organize data in order to monitor the status of action plans and prepare ongoing supporting documentation for the tracking, monitoring, and escalation of risk related issues to management.
• Communicate and advise effectively on best practices in the industry. Proactively highlight and escalate issues/gaps identified to management and risk partners.
• Maintain proactive communication with management including periodic updates on engagement progress and identified or potential issues.
• Maintain an advanced knowledge of laws, regulations, and regulatory guidance related to the deposit, loan products and services offered by Seacoast to client and Fintech partners.
• Support efforts to modernize by providing and implementing change to policies and or procedure and utilization of automation tools. Embrace new technology and remain up to date on industry changes to create an open environment that fosters idea generation and innovation.

Operations

• Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns and personally following policies and procedures as defined.
• Accountable for always doing the right thing for customers, colleagues and the business and ensure that actions and behaviors drive a positive customer experience.
• While operating within the Bank’s risk appetite, achieves results by working with their manager to consistently identify, assess, manage, monitor and report risks of all types.
• Ensure adherence to AML/BSA requirements, audit procedures, dual control, security, Business Continuity, and all other regulated banking requirements.
• Completes assigned Compliance Training.
• Responsible for creating, maintaining, reviewing and adhering to bank operational procedures and controls.
• Follow instructions and respond to management direction to help resolve more difficult control issues, and solve problems in a timely and positive manner to mitigate loss to the bank.
• Adhere to Seacoast Bank’s Code of Conduct.
• Follow all safety and security procedures.

Qualifications

• Some college, with preference for Business, Accounting, or Finance-Related concentrations preferred.
• 3 - 5 years of experience in Quality Control, Quality Assurance, Internal Audit, or Compliance roles.
• Intermediate knowledge of federal regulatory requirements.
• Experience working with Fannie Mae Mortgage Loans.
• Strong verbal and written communication skills.
• Effective public presentation skills.
• Diligent time management and analytical skills.
• Process and detail oriented.
• Previous experience performing QA or QC functions in financial institutions related to financial products - deposit accounts inclusive of checking, savings, and CDs, as well as loan products – Mortgage, Consumer, Commercial / CRE & Factoring.
• Previous experience reviewing operational functions, processes, and procedures.
• Ability to work independently, create checklists and review processes, and summarize issues or findings notes and exercise a high degree of initiative.
• Extensive experience in an operations support function with thorough working knowledge of fundamental business structure and operational aspects for specific transactions and products.
• Strong analytical skills with the ability to collect and verify significant amounts of information with attention to detail and accuracy.
• Excellent organizational and time management skills including capability to handle multiple tasks with competing deadlines.
• Understanding of and/or experience in the financial industry.
• Ability to analyze differences, perform investigations, and summarize results for reconciling items.
• Ability to work independently and exercise a high degree of initiative.
• Ability to demonstrate the required skill to perform detailed work accurately and promptly too, ability to identify errors, handle sensitive information, and work to deadlines.
• Exemplify good communication skill and ability to communicate professionally with others both verbally and in writing.
• Display ability to work as part of a team to achieve goals.
• Display problem-solving skill even under stressful conditions and deadlines.
• Proficiency in Microsoft Office applications like Microsoft Word, Excel, and PowerPoint.
• Flexible schedule required with ability to work during hours of operations, including weekends and occasional non-bank operational hours.