[Remote] Credit Quality Control Analyst – Pre-Funding

Note: The job is a remote job and is open to candidates in USA. CruiTek is a company specializing in the banking and loans sector, and they are seeking a Credit Quality Control Analyst to perform pre-funding quality control reviews of mortgage loans. The role involves evaluating underwriting decisions and ensuring compliance with various guidelines while identifying loan defects and potential risks.ResponsibilitiesPerform pre-funding quality control reviews of conventional and government mortgage loan filesReview underwriting decisions for compliance with Fannie Mae, Freddie Mac, FHA, VA, USDA, investor, and company guidelinesAnalyze borrower income, employment, assets, liabilities, credit history, debt-to-income ratios, and loan-to-value calculationsReview Automated Underwriting System findings, underwriting conditions, and supporting documentation to confirm loan eligibilityReview appraisals and collateral documentation for accuracy, reasonableness, and compliance with applicable guidelinesIdentify red flags, inconsistencies, missing documents, calculation errors, and potential fraud indicatorsConfirm that required loan documentation and underwriting conditions are complete before closing or fundingDocument loan file exceptions clearly and provide meaningful information regarding identified defectsCommunicate findings and respond to questions regarding completed loan reviewsConduct targeted or specialized audits as assigned by managementMaintain current knowledge of mortgage underwriting requirements, agency guidelines, investor requirements, and regulatory developmentsComplete assigned reviews accurately and within established deadlines and production expectationsMaintain confidentiality of borrower, client, and loan informationPerform other duties as assignedSkillsMinimum of 3 years of mortgage underwriting or mortgage quality control loan review experienceStrong knowledge of mortgage credit analysis, underwriting documentation, and loan eligibility requirementsFamiliarity with Fannie Mae, Freddie Mac, FHA, VA, and USDA loan guidelinesExperience reviewing income, assets, liabilities, credit, DTI, LTV, AUS findings, appraisals, and supporting documentationStrong analytical and research skillsSuperior attention to detail and accuracyAbility to work independently in a remote environmentAbility to meet strict deadlines and production expectationsStrong written communication skills with the ability to clearly document loan exceptionsAbility to communicate clearly and effectively both verbally and in writingProficiency with Microsoft Word, Excel, Outlook, and mortgage loan systemsDirect pre-funding quality control experience is strongly preferredACES audit software experience is preferredCompany OverviewCruiTek is a client-driven Talent Acquisition firm helping companies recruit and hire top IT and Healthcare professionals nationwide. It was founded in 2017, and is headquartered in Nashville, Tennessee, USA, with a workforce of 2-10 employees. Its website is http://www.cruitek.com/.