Quality Control Analyst

Citadel Credit Union•West Goshen Township, PA

About The Position

Quality Control (QC) Analyst safeguards loan quality and operational integrity across real estate (first mortgage & HE), consumer, and commercial portfolios. This role executes pre‑funding and post‑closing reviews, validates data across systems of record, partners with internal teams and third‑party auditors, and delivers clear, consistent reporting that drives corrective actions and continuous improvement.

Requirements

Bachelor’s degree in business, Finance, Accounting, or related field (or equivalent experience).
2–5+ years in lending, servicing, quality control, audit, or compliance within mortgage/consumer/commercial environments.
Hands‑on experience with pre‑funding and/or post‑closing audit processes and third‑party auditor coordination.
Proficiency with LOS/servicing platforms (e.g., Encompass/Empower/Black Knight MSP, commercial loan systems), document repositories, and Excel/Power BI (pivot tables, lookups, basic formulas).
Comfort working with large data sets and reconciling records across multiple systems.

Nice To Haves

Detail orientation and data accuracy mindset
Strong analytical, problem‑solving, and root‑cause analysis skills
Clear written and verbal communication; ability to synthesize and present findings
Organization and deadline management across multiple concurrent reviews
Professionalism in vendor and cross‑functional interactions.

Responsibilities

Serve as the primary contact for pre‑funding and post‑closing audits with third‑party firms, coordinate sample selections, document requests, responses, and due dates.
Track and resolve audit findings, ensuring timely remediation, root‑cause analysis, and evidence of corrective action.
Perform QC testing on real estate, consumer, and commercial loans for regulatory, credit, operational, and documentation compliance (e.g., disclosures, underwriting, closing, collateral, servicing setup).
Verify data integrity between the LOS, servicing system, document repository, collateral/custody records, and data warehouse; identify and correct mismatches.
Validate calculations (APR/finance charge reasonableness, payment changes, escrow setup, fee tolerance, rate/term, covenant tracking for commercial).
Compare information across systems (e.g., loan attributes, collateral values, rate indices, escrow components, boarding fields) to ensure accuracy and completeness.
Maintain sampling methodologies, test scripts, and control checklists, update for new products, system changes, or regulatory updates.
Produce consistent, repeatable QC reports (weekly/monthly/quarterly), including metrics, observations, exceptions, and trend analyses.
Present findings to Operations, Servicing, Credit, Compliance, and Risk; escalate systemic or high‑severity issues.
Log defects/exceptions, track remediation to closure, and test the effectiveness of corrective actions.
Recommend process, control, and training enhancements to reduce defects and cycle time.
Coordinate secure document transfer with auditors; ensure protection of NPI/PII and adherence to information security standards.
Maintain organized audit workpapers and evidence for management and regulatory reviews.
Stay current on lending/servicing requirements applicable to assigned portfolios (e.g., RESPA/TILA/ECOA for consumer/RE; UCC, financial reporting covenants, flood, beneficial ownership for commercial) and reflect updates in test steps and reporting.