Senior Quality Control Administrator

UFCU Main•Austin, TX

11h

About The Position

Under limited supervision, the Senior Quality Control Administrator performs advanced quality control functions for Mortgage Services, including pre- and post-closing reviews, responses to investor and mortgage insurance quality control reviews, portfolio reviews as needed, report uploads, and defect-rate tracking. The role also manages vendors and serves as backup for the builder approval process. The administrator provides leadership and guidance to junior staff and helps ensure compliance with applicable regulations and guidelines. The position conducts and documents monthly loan reviews, prepares written reports and recommendations, follows up on findings, and coordinates with internal partners and vendors to improve processes. It also maintains the Quality Control Procedure & Process Manual, reviews it annually, and performs vendor management activities. The role requires expert knowledge of mortgage regulatory compliance, strong analytical judgment, attention to detail, and familiarity with mortgage origination, closing, investor guidelines, and Encompass.

Requirements

High school diploma or equivalent required.
At least five years of mortgage processing, underwriting, or quality control experience required.
Expert knowledge of credit union mortgage regulatory compliance frameworks, laws, and regulations.
Ability to interpret complex regulations and translate them into actionable business guidance.
Strong analytical, problem-solving, and judgment skills.
High integrity, accountability, and professional discretion.
Advanced proficiency with Microsoft Office and reporting.
Ability to establish rapport, present information effectively, and respond to questions.
Ability to exercise independent judgment.
Clear and professional written and verbal communication with members and internal customers.
Good understanding of required origination and closing documentation.
Knowledge of investor guidelines, including Fannie Mae, Freddie Mac, and other investors.
Knowledge and experience with Encompass.
Strong attention to detail and accuracy, and strong scheduling ability.
Must be bondable.

Nice To Haves

Bachelor’s degree or some college coursework preferred.
At least ten years of manual and AUS underwriting experience, and quality control, monitoring, or assurance experience.
Significant experience with Fannie Mae, Freddie Mac, and other investors.

Responsibilities

Complete pre-funding quality control requirements as directed by Fannie Mae and other investors, including monthly re-underwriting of 10% of loan files before closing, verification of asset and liability documentation, and comparison of documents with Encompass data.
Conduct monthly portfolio loan reviews and prepare written reports of findings and recommendations as needed.
Conduct monthly declined-loan reviews and prepare written reports of findings and recommendations as needed.
Review monthly 10% of the vendor’s post-closing quality control findings and document the results.
Ensure post-closing preparation and quality control reviews are completed on time, including uploading reports through the secure vendor website, following up on exceptions, clearing findings, and tracking release of final reports.
Review denied and cancelled loan applications to ensure ECOA and HMDA requirements are met.
Work with the manager to determine recommendations and training based on monthly findings.
Manage the Quality Control Procedure & Process Manual and review it annually for updates.
Work with internal partners and vendors to identify process improvements.
Perform annual vendor management, including reviewing appraiser licensing and certification and implementing third-party vendor management of title companies.
Provide leadership and guidance to junior staff and serve as backup for the builder approval process.
Perform other duties as assigned.
Adhere to company policies, procedures, business ethics codes, and applicable laws, regulations, policies, and internal controls.