Quality Control Analyst II

Overview

Country Place Mortgage, a leading nationwide personal property, mortgage and commercial lender headquartered in Plano, TX, is seeking a Quality Control Analyst II to join our growing Quality Control Department. This in-person role is based in our Plano, TX office. The Quality Control Analyst II focuses on reviewing financial products to ensure accuracy, completeness, and adherence to regulatory standards. This position plays a critical role in identifying potential risks, improving operational efficiency, and supporting the company’s efforts to maintain high standards of customer service and regulatory compliance.

• Conduct advanced pre- and post-closing quality control reviews of consumer, mortgage and commercial loan products with a focus on complex loan structures and high-risk transactions
• Independently analyze loan applications, credit reports, underwriting decisions, disclosures, surveys, title policies, appraisals and customer communications for all loan products
• Maintain subject matter expertise in mortgage regulations, agency guidelines and loan program requirements
• Verify calculations for income, loan to value (LTV) calculation and debt to income (DTI)
• Perform detailed audits of loan servicing, including escrow management, loan modifications, delinquencies, default management, and customer service interactions
• Submit selected loan files to third-party quality control companies as required
• Monitor and track the status of third-party reviewer to ensure timely resolution of any resulting findings
• Review third-party audit reports, reconcile discrepancies and implement corrective action plan (CAP)
• Handle material findings or discrepancies with management
• Coordinate with internal departments to formulate timely, accurate responses to audit findings
• Efficient in analyzing quality control data to identify trends or defects
• Review commercial loans to ensure underwriting and documentation adhere to guidelines
• Perform targeted audits for commercial business to ensure adherence to policies and established procedures
• Perform targeted audits for all products to verify accuracy, consistency, error detection and omission of data
• Responsible for all documents used to perform audits including checklists, reports, scorecards, trackers, etc.
• Lead collaboration to improve processes and procedures enhancing efficiency, accuracy, and compliance
• Advanced understanding of origination and servicing policies, guidelines, and regulations
• Skilled at testing and developing procedures to ensure consistency and accuracy
• Lead internal and external audits and quality reporting activities
• Report QC findings to senior staff and lead investigations of defects and CAPs
• Drive the development and execution of testing protocols and quality plans
• Ensure audits are performed in a timely manner, in accordance with established policies and procedures
• Deliver QC results, provide training and work with supervisors on needed improvements
• Efficient in analyzing quality metrics to identify trends or defects and report findings to senior management
• Responsible for preparing daily, weekly, and monthly quality control reports
• Advanced at responding, monitoring, and tracking compliance complaints
• Perform administrative, database administration and preparation of reports as required
• Perform other related duties as required and assigned

• Strong analytical, written, and verbal communication skills
• Advanced leadership and interpersonal skills with the ability to guide and influence others
• Deep understanding of underwriting principles, quality control procedures, and regulatory requirements
• Strong in analyzing credit, income, loan-to-value (LTV), and debt-to-income (DTI) ratios
• Able to manage complex workflows and meet deadlines in a high-volume environment
• Proven ability to interpret and apply federal and state lending laws and investor guidelines
• Advanced knowledge of Microsoft Excel and familiarity with quality assurance systems and reporting tools

• BA/BS degree required in Business, Accounting, Finance or Management
• 3 years’ experience as a consumer loan credit analyst or mortgage…