Quality Assurance Specialist (Hybrid)

Centreville Bank•West Warwick, RI

22h•Hybrid

About The Position

Assist the Residential Lending Department with ensuring residential, and equity loans are in full compliance with Bank Policy as well as Federal and State Regulations, agency guidelines, and internal policies. This role will help identify risk, maintain data integrity, and improve operational quality.

Requirements

Knowledge of mortgage lending regulations, guidelines and industry standards
5 Years minimum required experience in mortgage Quality Assurance, or compliance
Strong attention to detail and high accuracy in a fast- paced environment
Detailed knowledge and experience working with HMDA reporting
Knowledge of FHA, RI Housing, Construction loans, and Portfolio Lending
Ability to work effectively and consistently under time constraints
Ability to respond to multiple assignments while meeting all required deadlines
Time management and multi-tasking with a high degree of accuracy and efficiency
Ability to collaborate in a team environment internally and externally
Strong organizational, oral, and written communication skills
Analytical thinking
High ethical standards and confidentiality
High school diploma required
Must be proficient with MS Office and Excel skills

Nice To Haves

Proficiency with Encompass System Preferred

Responsibilities

Perform detailed audits of mortgage loan files in areas to include but not limited to HMDA, Flood Insurance, Appraisal/ROV Delivery, Adverse files, Construction loans, SSPL, Privacy Notice and Employee loans
Analyze data to identify trends and areas for improvement
Work closely with other areas within the department
Ensure compliance with regulatory requirements such as TRID, RESPA, ECOA, HMDA, and Fair Lending
Assist with preparation of external/internal audits
Ability to develop, implement, and evaluate policies and procedures to ensure regulatory adherence
Ability to analyze complex loan files and regulatory data
Collaborate with Encompass Administrator to remediate audit/technical issues
Assist with attorney/appraiser annual reviews
Document findings clearly and provide corrective action recommendations
Train and support staff in Quality Assurance standards.
Experience preparing Quality Assurance reports and summaries for management
Track recurring defects and assist in root-cause analysis
Respond to all inquiries promptly and courteously
Attend meetings to contribute ideas/suggestions for area efficiencies