Quality Control Analyst II at CountryPlace Mortgage Ltd.

Job DescriptionJob DescriptionABOUT THE ROLECountryPlace 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.ESSENTIAL DUTIES & RESPONSIBILITIES 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 transactionsIndependently analyze loan applications, credit reports, underwriting decisions, disclosures, surveys, title policies, appraisals and customer communications for all loan productsMaintain subject matter expertise in mortgage regulations, agency guidelines and loan program requirementsVerify 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 interactionsSubmit selected loan files to third-party quality control companies as requiredMonitor and track the status of third-party reviewer to ensure timely resolution of any resulting findingsReview third-party audit reports, reconcile discrepancies and implement corrective action plan (CAP)Handle material findings or discrepancies with managementCoordinate with internal departments to formulate timely, accurate responses to audit findingsEfficient in analyzing quality control data to identify trends or defectsReview commercial loans to ensure underwriting and documentation adhere to guidelinesPerform targeted audits for commercial business to ensure adherence to policies and established proceduresPerform targeted audits for all products to verify accuracy, consistency, error detection and omission of dataResponsible for all documents used to perform audits including checklists, reports, scorecards, trackers, etc.Lead collaboration to improve processes and procedures enhancing efficiency, accuracy, and complianceAdvanced understanding of origination and servicing policies, guidelines, and regulationsSkilled at testing and developing procedures to ensure consistency and accuracyLead internal and external audits and quality reporting activitiesReport QC findings to senior staff and lead investigations of defects and CAPsDrive the development and execution of testing protocols and quality plansEnsure audits are performed in a timely manner, in accordance with established policies and proceduresDeliver QC results, provide training and work with supervisors on needed improvementsEfficient in analyzing quality metrics to identify trends or defects and report findings to senior managementResponsible for preparing daily, weekly, and monthly quality control reportsAdvanced at responding, monitoring, and tracking compliance complaintsPerform administrative, database administration and preparation of reports as required Perform other related duties as required and assigned POSITION REQUIREMENTS, CAPABILITIES, & SKILLS:Strong analytical, written, and verbal communication skillsAdvanced leadership and interpersonal skills with the ability to guide and influence othersDeep understanding of underwriting principles, quality control procedures, and regulatory requirementsStrong in analyzing credit, income, loan-to-value (LTV), and debt-to-income (DTI) ratiosAble to manage complex workflows and meet deadlines in a high-volume environmentProven ability to interpret and apply federal and state lending laws and investor guidelinesAdvanced knowledge of Microsoft Excel and familiarity with quality assurance systems and reporting tools MINIMUM QUALIFICATIONSBA/BS degree required in Business, Accounting, Finance or Management3 years’ experience as a consumer loan credit analyst or mortgage underwriter and/or quality control specialist in the financial services or mortgage industryWE OFFERCompetitive SalaryMedical/Dental/Vision InsurancePaid Holidays401K MatchGenerous PTOFSA/HSA PlansLife /Disability/Accidental Insurance and much more!Applicants must be authorized to work for ANY employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time. Local candidates only - relocation not available.Disclaimer: The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.Cavco Industries and CountryPlace Mortgage are committed to providing equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected status with respect to recruitment, hiring, promotion and other terms and conditions of employment.