Mortgage Credit Analyst jobs in Santa Ana, CA

The Quality Control Analyst is an experienced self-starter who will be responsible for carrying out the QC process by independently performing QC reviews for both pre-funding and post-closing loans.

The QC Analyst will ensure all loans are compliant, and properly underwritten (and closed), as defined by current FNMA/FHLMC, FHA, VA, investor, internal, and regulatory guidelines.

Our team works together well, we are upbeat and busy. If you have the experience, we want you on our team!

Key Responsibilities:

• Maintain a pipeline of pre-funding and post closing loans to review within the required turn times.
• Fully assess loan quality, eligibility, and compliance of selected loans assigned.
• Ensure selected loans are in compliance with federal and state regulations, as well as the most current FNMA/FHLMC, FHA, VA, internal, and investor requirements.
• Perform review of credit, income documentation, calculations, and assets used to qualify for accuracy and compliance in order to validate underwriter's loan approval.
• Increase process efficiency by identifying potential risk and mitigating factors that may impact the Company through credit decisions and the customer's ability to repay the loan.
• Provide interactive feedback and clear communication throughout the audit process with the Underwriters, Funders, and their respective Managers.
• Regularly communicate and provide audit findings to the QC Supervisor.
• Provide updates, reporting and audit findings to internal work group(s), for review and mitigate major defects found, when applicable.
• Perform other duties as assigned in order to support the QC business unit.

Professional Experience, Education, and Qualifications:

• Requires minimum 5 years previous experience in mortgage QC, including experience with conventional, jumbo/non-conforming, and government loans.
• Previous experience in reviewing and analyzing mortgage credit packages, AUS findings, and calculating loan ratios and variables.
• Prior working knowledge and experience in the calculation and verification of income and assets, evaluation of credit reports, purchase contracts, appraisals, title commitments, and other loan pertinent documentation.
• Excellent written and verbal communication skills.
• Excellent customer support skills and service orientation.
• Ability to work cooperatively and professionally in a fast-paced production environment.
• Strong attention to detail and strong communication skills.
• Strong organization skills and ability to prioritize and work well under time constraints to meet deadlines.
• Must be able to endure heavy workloads during peak periods.
• Strong working knowledge and use of Microsoft Office Suite, including Word and Excel.
• Knowledge of audit software Insight and LOS Lending QB preferred.

Competitive Compensation along with 401 K and PTO

Excellent Health, dental, vision and Life/ADD iInsurance benefits

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