Mortgage Quality Control Analyst

Oregon State Credit Union • Corvallis, OR

2d • Hybrid

About The Position

At Oregon State Credit Union, our Mortgage Lending team plays a vital role in bringing our vision of creating financial solutions that make lives better to life through accurate, compliant and member-focused home loan solutions. As we continue to grow and evolve to meet the needs of our members, we are seeking an experienced, detail-oriented Mortgage Quality Control Analyst to join our team and help safeguard loan quality and uphold lending standards across our mortgage operations.
As the Mortgage Quality Control Analyst, you’ll play a key role in ensuring the accuracy, integrity and compliance of our mortgage loan originations by managing the day-to-day execution of our QC program. This includes conducting thorough pre-funding and post-funding reviews, identifying and mitigating findings, and ensuring alignment with regulatory, investor and internal standards. Working closely with other lending team members, QC vendors, auditors, and compliance partners, you’ll help determine corrective or mitigation steps and contribute to the continuous improvement of our mortgage operations. The ideal candidate brings deep mortgage QC and regulatory expertise, strong analytical skills, and a collaborative mindset.

Requirements

• Mortgage & Compliance Expertise: Demonstrates advanced knowledge of mortgage lending practices and regulatory requirements including GSE documentation standards, production guidelines, and agency QC requirements. Strong understanding of federal mortgage regulations including TILA, RESPA, TRID, ECOA, FDPA, HMDA, HPML, and HCM. Proficient in evaluating mortgage products, underwriting procedures, financial analysis, and escrow/title practices.
• Analytical & Problem-Solving Skills: Proven ability to analyze complex mortgage loan files, assess data across multiple sources, and identify defects or compliance gaps with a high degree of accuracy. Demonstrates strong critical thinking skills and sound judgement consistent with regulations, investor guidelines and internal policy. Familiarity preparing QC findings and reports to support corrective action plans, mitigate risk and reduce recurring errors.
• Communication & Collaboration: Excellent written and verbal communication skills with the ability to clearly document findings and explain complex regulatory or guideline requirements. Effectively collaborates with auditors, examiners, and cross-functional teams. Strong ability to build strong working relationships and contribute to team development through coaching or mentoring others is a plus.
• Experience & Education: At least 5 years of mortgage underwriting or mortgage quality control experience required focused on evaluating loan quality, compliance or investor readiness. Bachelor’s degree or equivalent experience required. Demonstrated ability to stay organized, effectively manage multiple priorities, and work independently with minimal oversight.

Nice To Haves

• Strong ability to build strong working relationships and contribute to team development through coaching or mentoring others is a plus.

Responsibilities

• Managing the day-to-day execution of our QC program.
• Conducting thorough pre-funding and post-funding reviews
• Identifying and mitigating findings
• Ensuring alignment with regulatory, investor and internal standards.
• Help determine corrective or mitigation steps
• Contribute to the continuous improvement of our mortgage operations.

Benefits

• A collaborative and positive workplace culture
• Initial and on-going support, training, mentorship and professional development opportunities
• Competitive wages, bonuses, paid holidays and paid time off
• 100% credit-union-paid employee coverage for medical, vision, dental, life and disability insurance; dependent coverage also available
• 401k Plan with an amazingly generous credit union match!
• Tax-saving Flexible Spending and Health Savings Plans
• Premier membership perks, loan discounts, company clothing, wellness and recognition programs

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level