Mortgage Quality Assurance Auditor

Overview

This position is responsible for ensuring mortgage loan data is accurate and compliant with Fair Lending laws. Reviews loan applications and files for data required by the Home Mortgage Disclosure Act (HMDA), preparing or validating reports as necessary. Assists with preparing files for internal and external audit. Researches and validates department records of required information in response to client requests, audits, or as needed by management.

This is a hybrid role with the expectation that time working will regularly take place inside and outside of a company office in Columbia SC.

Responsibilities

• Analysis - Reviews data for accuracy and provides letters on all declined loans within required regulatory time frames. Analyzes data utilized in mortgage loan applications for Fair Lending data accuracy. Researches and responds to HMDA and Fair Lending reviews.
• Reporting - Researches and prepares various reports of data pertaining to the Fair Lending laws to validate accuracy and compliance for management, auditors, and legal purposes. Researches Quality Control deficiencies and provides written responses or rebuttals. Prepares reporting and documentation for senior management.
• Loan Support - Responds to applicant requests for specific reasons for denial. Handles pipeline management of all non-closed loans including upload to department systems. Verifies upfront fees paid on applications, and charges for credit reports and appraisals on all non-closed loans to validate refunds to customer for unused fees. May assist in training new mortgage operations and sales associates on compliance guidelines, requirements, and processes.
• Audit - Assists with preparing files for audits by internal and outside auditors. Maintains compliance checklist for use when reviewing loan files and update as necessary. Assists associates with compliance questions and issues, including researching answers with the Compliance Department and regulatory agency web sites.

Qualifications

Bachelor's Degree and 1 years of experience in Financial Services OR High School Diploma or GED and 5 years of experience in Financial Services

Required experience :

Mortgage experience

Preferred qualifications :

Mortgage operations experience

HMDA

Data integrity

Quality control

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https : / / jobs.firstcitizens.com / benefits. #LI-AM3

Company Description :

Founded in 1898 and headquartered in Raleigh, N.C., First Citizens Bank serves customers in 18 states and the District of Columbia. For over 100 years, customers have trusted First Citizens with their money … and their futures. Today, First Citizens is the largest family-controlled bank in the nation and the sixth-largest bank franchise headquartered in the Southeast with more than $30 billion in assets. We employ more than 6,000 associates who are focused on helping our customers achieve a lifetime of success. First Citizens operates more than 570 branches in Arizona, California, Colorado, District of Columbia, Florida, Georgia, Kansas, Maryland, New Mexico, Missouri, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington and West Virginia.

First Citizens Bank. Forever First®. Member FDIC.

Equal Opportunity / Affirmative Action Employer / Minority / Female / Disability / Veteran

If you need special assistance or an accommodation in applying for employment at First Citizens Bank, please contact our Human Resources department.