QC Specialist

Description

• Performs pre-close compliance and quality control audits on residential loans.
• Reviews files for compliance with regulatory, agency and investor requirements.
• Utilizes the Pre-Closing Review checklist to ensure critical data is correct, critical documents are correct, and that required documentation necessary for products and/or Investors are completed.
• Performs a timely and thorough review of all Real Estate Settlement Procedures Act (RESPA) documentation, including but not limited to the Good faith Estimate (GFE), Change of Circumstance (COC) and Truth in Lending Disclosure (TIL) to ensure accuracy and completeness.
• Reviews Non-RESPA disclosures for completeness and accuracy.
• Verifies data in Encompass (Loan Origination System) is accurate and complete.
• Obtains verbal re-verification of employment on borrowers.
• Reviews credit documentation, mortgage insurance for accurate coverage, transmittal summaries, hazard insurance, appraisals, surveys and sales contracts.
• Works with Production, Underwriting and Closing teams, as needed. 
• Must maintain regular attendance.
• Performs other duties as required.

Requirements

• High school diploma or general education degree (GED) and at least 3 years’ mortgage or related experience and/or training.
• Working knowledge of Microsoft Office applications.
• Proven ability to work independently and as a team member.
• Excellent verbal and written communication skills.
• Ability to handle confidential material in a professional and ethical manner.
• Must be detail-oriented.
• Knowledge and understanding of risks, controls and audit processes.
• Excellent problem analysis and problem solving skills.
• Must have a good understanding of loan processing, underwriting and closing policies, procedures, governmental and agency requirements.
• Must be able to identify and review legal and loan documents such as GFE, TIL, Non-RESPA Disclosures and 1003s.
• Effective time management and organization skills to prioritize multiple objectives and achieve volume goals. 

Legacy Mutual Mortgage is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin.