Mortgage Quality Assurance Specialist REQ#4957

Full Time at Citizens First Bank

The Quality Assurance Specialist (QAS) is responsible for the thorough review of new mortgage loan applications taken in an effort to identify missing/incomplete information and to ensure that the proper disclosures are given within the three days required time frame.

Essential Duties and Responsibilities:

Develop a working knowledge of federal and Florida laws and agency disclosure guidelines affecting residential mortgage origination: TILA, RESPA, ECOA, FACTA, FCRA, MDIA, BSA/AML, HMDA, TRID

Effectively manage the issuance of disclosure packages within 3 business days of the application date as required by RESPA/TILA

Stay current on regulation changes and provide assistance in the formulation of forms and disclosure documents in compliance with all policies and procedures

Develop a thorough understanding of the company LOS system

Review and ensure accuracy and data integrity of required compliance disclosures at initial application and at time of lock if necessary

Maintain accurate records of LOS system screens relevant to the Loan Estimate (LE) calculations.

Maintain accurate records of communication of any screen errors within the origination screens of the LOS relevant to the disclosures. Share this information with the Loan Production manager for opportunities of continued training and/or corrective measures in specific areas .

 Maintain efficient levels of service and comply with regulatory timelines associated with the completion and distribution of loan disclosures verified through the recording of events in the LOS tracking system.

Maintain accurate records of communication and/or actions related to re-disclosing process in the LOS tracking system of the applicable loan file.

Report any potential or actual violations of such policies, practices or procedures to the Loan Production Manager, Compliance Manager and Operations Manager.

Effectively manage multiple tasks in a fast paced working environment.  Review and ensure accuracy of data prior to the issuance of re-disclosures .

Position specific compliance and other trainings as required .

Minimum: High school diploma or equivalent plus two years of current mortgage experience. Must be able to work independently and in a team environment. Must be detail-oriented capable of producing high volumes of work under tight deadlines with minimal errors. Must be capable of consistently identifying documentation errors, recognizing compliance errors and communicating the same back to the appropriate branch personnel. Must be proficient in Microsoft Office (Outlook, Word and Excel).

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization

Ability to apply concepts such as fractions, percentages, ratios and proportions to practical solutions. Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals. Ability to compute rate, ratio, percent and to draw and interpret bar graphs.

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Citizens First Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, religion, color, sex, national origin, disability status, protected veteran status, or any characteristic protected by law. Applicants have rights under Federal Employment Laws. Please see the attached posters for more detail about your rights: Equal Employment Opportunity is the Law (EEO)Family and Medical Leave Act (FMLA), and Employee Polygraph Protection Act (EPPA).    

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