Home Mortgage Special Investigations / Consumer QA QC Lead

Citizens Financial Group • Glen Allen, VA

119d

About The Position

As the Special Investigations / Consumer QA QC Lead, the primary function of this position is to ensure loans suspected to contain potential misrepresentation and/or fraud. Qualified to QC/Fraud Underwriter to ensure a thorough re-underwrite was completed, review all underwriting decisions were made, ensure all the guidelines on mortgage products are being met by Home Mortgage production staff. Determine if all DU conditions were input correctly, and conditions were satisfied. Review each appraisal for soundness and determine if review appraisal is warranted. Review legal documentation to ensure accuracy. Assist in the performance of periodic targeted assurance reviews and perform other credit and quality duties as may be assigned.

Requirements

• 7+ years of experience in fraud prevention, detection, and reporting, particularly in mortgage operations.
• In-depth knowledge of manual underwriting and investor guidelines.
• Advanced understanding of various income types and sources, including interpretation of personal and business tax returns.
• Experience reviewing potential misrepresentation in income, employment, credit, occupancy, liabilities, and assets.
• Strong knowledge of the consumer mortgage lending process and workflow.
• Excellent oral and written communication skills.
• Strong organizational, analytical, and problem-solving abilities.
• Ability to work independently with minimal supervision.

Responsibilities

• Execute tasks within defined processing parameters, ensuring accuracy and attention to detail.
• Respond to internal and external customer inquiries within 24 hours.
• Escalate issues or risks to management within 24 hours.
• Identify and suggest improvements to enhance customer experience.
• Comply with all relevant regulatory requirements, including state and federal laws.
• Complete all required Regulatory and HR compliance training quarterly by deadlines.
• Demonstrate leadership qualities and maintain a professional, positive attitude in all interactions.
• Work toward Personal Development Plan (PDP) goals and present progress to management.

Benefits

• Competitive pay
• Comprehensive medical, dental and vision coverage
• Retirement benefits
• Maternity/paternity leave
• Flexible work arrangements
• Education reimbursement
• Wellness programs

What This Job Offers

• Job Type: Full-time
• Industry: Management of Companies and Enterprises
• Number of Employees: 5,001-10,000 employees