Quality Control Analyst - TX, CO, AZ (In Office

Quality Assurance plays a vital role across all mortgage products, services, and activities. Effective management of compliance risk is a fundamental element of regulatory risk oversight. The Quality Assurance department within EML functions as a second line of defense, performing independent and objective reviews of business processes, functions, and departments to determine the effectiveness of internal controls in managing compliance and procedural risks.

A QA Analyst primarily conducts detailed audits of loan files to ensure accuracy, completeness, and compliance with internal policies, regulations, and investor guidelines. Responsibilities include performing pre- and post-closing audits, identifying and reporting defects or discrepancies, documenting trends, and collaborating with management to implement corrective actions and process improvements across departments.

• Conduct audits:
  Perform advanced reviews of mortgage loans.
• Review loan documentation:
  Independently analyze loan file components, including but not limited to credit reports, appraisals, title policies, and disclosures.
• Ensure compliance:
  Verify that loan files and processes adhere to federal, state, and investor regulatory guidelines as well as internal policies and procedures.
• Identify and report issues:
  Document and report errors, discrepancies, and potential risks in loan files or workflows.
• Collaborate on corrective actions:
  Partner with management to develop and implement action plans for identified issues.
• Document quality data:
  Prepare reports for management and document trends and error rates.
• Maintain expertise:
  Stay current on i-achieve assignments, EML process changes, and emerging QA requirements to serve as a subject matter expert.

• Collaborate with teams:
  Participate in meetings, training, and feedback sessions. Demonstrate strong teamwork ethics and work respectfully with production, processing, underwriting, and compliance teams.
• Generate reports:
  Prepare daily, weekly, and monthly reports summarizing findings and metrics.
• Manage workflow:
  Balance multiple priorities and meet deadlines while maintaining accuracy and attention to detail.
• Utilize systems:
  Use loan origination systems and other tools to input data, perform audits, and document results.
• Use AI-powered tolls to streamline workflows and reporting.

A successful QA Analyst will have a strong understanding of mortgage lending processes, including regulations and guidelines from FHA, VA, Fannie Mae, and Freddie Mac.

• Minimum 2+ years of experience in mortgage quality assurance, loan processing, or underwriting.
• Strong attention to detail with analytical and problem-solving abilities.
• Proficiency in loan origination software and Microsoft Office (Excel required).
• Excellent written and verbal communication skills for reporting findings and collaborating with teams.

Experience:

Requires a high diploma or equivalent and at least 2 years of experience in mortgage quality assurance preferred; prior loan processing and/or underwriting experience may substitute.

• Mortgage process:
  Deep understanding of the end-to-end mortgage lending process from origination through servicing.
• Guidelines and regulations:
  Familiarity with agency guidelines (FHA, VA, Fannie Mae, Freddie Mac) and federal/state regulations such as RESPA, TILA, Reg B, Reg Z, and HMDA.
• Software:
  Proficiency in Encompass E360 and Microsoft Office Suite;
  Excel proficiency is required.
• Loan calculations:
  Ability to perform complex calculations such as debt-to-income (DTI) and loan-to-value (LTV) ratios preferred.

• Attention to detail:
  Exceptional accuracy and thoroughness when reviewing documentation.
• Analytical mindset:
  Ability to interpret data, identify risks, and detect potential fraud.
• Systems thinking:
  Understand how one error can impact related processes or outcomes.
• Communication:
  Strong written and verbal communication to convey findings clearly.
• Problem-solving:
  Proactive approach to identifying and resolving issues efficiently.
• Time management:
  Strong…