[Remote] Credit Quality Control Analyst – Pre-Funding

Note: The job is a remote job and is open to candidates in USA. CruiTek is a company specializing in the banking and loans sector, and they are seeking a Credit Quality Control Analyst to perform pre-funding quality control reviews of mortgage loans. The role involves evaluating underwriting decisions and ensuring compliance with various guidelines while identifying loan defects and potential risks.

Responsibilities

• Perform pre-funding quality control reviews of conventional and government mortgage loan files
• Review underwriting decisions for compliance with Fannie Mae, Freddie Mac, FHA, VA, USDA, investor, and company guidelines
• Analyze borrower income, employment, assets, liabilities, credit history, debt-to-income ratios, and loan-to-value calculations
• Review Automated Underwriting System findings, underwriting conditions, and supporting documentation to confirm loan eligibility
• Review appraisals and collateral documentation for accuracy, reasonableness, and compliance with applicable guidelines
• Identify red flags, inconsistencies, missing documents, calculation errors, and potential fraud indicators
• Confirm that required loan documentation and underwriting conditions are complete before closing or funding
• Document loan file exceptions clearly and provide meaningful information regarding identified defects
• Communicate findings and respond to questions regarding completed loan reviews
• Conduct targeted or specialized audits as assigned by management
• Maintain current knowledge of mortgage underwriting requirements, agency guidelines, investor requirements, and regulatory developments
• Complete assigned reviews accurately and within established deadlines and production expectations
• Maintain confidentiality of borrower, client, and loan information
• Perform other duties as assigned

Skills

• Minimum of 3 years of mortgage underwriting or mortgage quality control loan review experience
• Strong knowledge of mortgage credit analysis, underwriting documentation, and loan eligibility requirements
• Familiarity with Fannie Mae, Freddie Mac, FHA, VA, and USDA loan guidelines
• Experience reviewing income, assets, liabilities, credit, DTI, LTV, AUS findings, appraisals, and supporting documentation
• Strong analytical and research skills
• Superior attention to detail and accuracy
• Ability to work independently in a remote environment
• Ability to meet strict deadlines and production expectations
• Strong written communication skills with the ability to clearly document loan exceptions
• Ability to communicate clearly and effectively both verbally and in writing
• Proficiency with Microsoft Word, Excel, Outlook, and mortgage loan systems
• Direct pre-funding quality control experience is strongly preferred
• ACES audit software experience is preferred

Company Overview