Residential Lending QA Specialist

PrimeLending•Dallas, TX

About The Position

PlainsCapital Bank is seeking a Residential Lending QA Specialist to assist in reviewing Single Family Residence loan documentation for businesses and consumers. Performs reviews of early disclosures, closing disclosures, loan documents and HUDs to ensure regulatory and loan policy guidelines and requirements are followed. Performs post-closing review of package and submits completed packages to the Credit Department. Works closely with the Compliance Department and SFR Closing Coordinators.

Requirements

High School diploma, general education degree (GED), or equivalent required.
3-5 years of experience in loan operations, compliance, or quality assurance field required.
Basic understanding of real estate lending compliance.
Excellent verbal, written and interpersonal communication skills.
Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.
Excellent analytical, time management, organizational, and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
Must be self-motivated with strong initiative, high level of accountability, and attention to detail.

Responsibilities

Review early disclosures (consumer files) prior to mailing, ensuring accuracy and compliance.
Monitor for signed disclosures such as ECOA, flood notice, and appraisal disclosure.
Verify file for completeness before clearing to order documents (consumer and commercial purpose files).
Review HPML/HOEPA, APR, TIP, and QM/ATR compliance on consumer files.
Assess loan documents, closing disclosures, and HUD settlement statements for accuracy prior to closing (consumer and commercial purpose files).
Perform review of flood insurance for compliance with Reg H.
Perform review of HMDA data collection worksheets for applicable loans.
Assist with training, checklist updates, and quarterly audits; mentor QA specialists as needed.
Maintain clear communication with internal teams to resolve discrepancies and uphold quality standards.
Performs other duties as requested.