Quality Control Analyst I - Originations
About The Position
The Quality Control Analyst – Originations is responsible for auditing loan contracts to ensure adherence with internal, state, and Federal policies and regulatory guidelines. This role involves detecting errors and omissions in the funding process and potential fraud. Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider. Our exciting growth provides opportunities to advance your career as we successfully lead products and services from a small to mid-size company in just a few years. Join our world class team and culture and contribute to our core mission which is enhancing our customer's experience. This is a hybrid position. Must have reliable transportation and live within a commutable distance to Houston, TX.
Requirements
- Minimum 1-year relevant auto dealership or auto finance experience
- High school diploma and or/GED
- Strong knowledge of federal regulatory guidelines (ECOA, Fair Lending, CRA, FCRA, etc.)
- Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume
- Excellent communication and interpersonal skills
- Ability to interface work autonomously and handle multiple projects simultaneously
- Proficient in using loan processing software and Microsoft Office Suite
- Ability to derive conclusions and make recommendations beyond the scope of written policies or standard guidelines
- Strong analytical and organizational skills with close attention to detail
- Ability to work under minimal supervisor and collaboratively in a team-oriented environment
- Candidates must possess authorization to work in the United States.
Responsibilities
- Review and ensure the accuracy of completed loan contract documents, including data entry accuracy regarding names, address, SSN, DOB, and contract structure
- Analyze loan applications and collaborate with credit and funding teams to ensure compliance with company policies governing extension of credit, government lending policies, procedures, and all applicable federal/regulatory guidelines (ECOA, Fair Lending, CRA, FCRA, etc.)
- Communicate with the loan processing team to resolve any discrepancies prior to booking loans
- Utilize product/procedures knowledge to resolve issues while following pre-established quality policies and procedures
- Ensure quality information is entered accurately and timely for tracking and reporting
- Offer suggestions for process improvements
- Identify red flags when reviewing credit reports, credit applications, paystubs, or other documentation with required stipulations
- Maintain familiarity with Auto financing policy and procedures
- Perform other projects and clerical tasks assigned by the Quality Control Manager – Originations, Associate Director of Originations Quality Control, and Managing Director of Credit Operations
- Maintain confidentiality due to regular access to specified personal information of consumers, including, but not limited to, Social Security numbers and dates of birth
- Perform other ad hoc duties as assigned
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
High school or GED
