Consumer Loan Quality Control and Assurance Specialist

Job Summary

The Quality Control and Assurance Specialist reviews all consumer and mortgage loans to ensure regulatory compliance and accuracy of information in the core operating systems.  They are also responsible for validating changes affecting the existing terms or conditions of a loan, ensuring proper supporting documentation is in place.  This position also conducts systems and product testing, monitors product performance and identifies quality and process issues.  

Key Responsibilities / Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

• Review and verify 100% of newly originated consumer and mortgage loans, assuring data is accurate and complete on the core operating system.
• Review all loan modifications ensuring that approved changes have been accurately and completely processed in the core operating system.
• Review all loan and deposit file maintenance with emphasis on understanding why the file maintenance occurred and the appropriateness of the changes, ensuring accuracy and completeness of the changes.
• Understand and follow all audit guidelines and protocols to ensure review remains unbiased and independent.
• Identify and document exception items and provide follow up on items identified for correction.
• Monitor the daily reports to ensure all rate changes were properly verified and activated by the Loan Servicing or Bank Services team.
• Ensure proper filing of original security documents.
• Review all construction rollovers to ensure file maintenance is accurate.
• Monitor and resolve various system generated exception reports. 
• Notify management of critical exceptions and offer solutions to help reduce and/or eliminate errors.
• Conduct release testing for the various core operating systems and monitor product performance.
• Identify and address product or process issues and update policies, procedures, and checklists accordingly.
• Assist external auditors with research requests.
• Assist Business Intelligence team with loan data mapping and validation. 
• Maintain confidentiality and security of sensitive information.
• Adhere to all corporate policies and procedures, Federal and State regulations and laws.
• Complete all mandatory annual compliance training.
• Follow regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection and determent of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws.
• Perform other duties and special projects as assigned. 

Job Requirements

Education:

• High school diploma or equivalent.

Required:

• 1 year of experience in loan processing, servicing or originating capacity or relevant audit background.
• Proficient computer skills and the ability to utilize MS Office applications.
• Ability to follow written policies and procedures to ensure operational efficiency and regulatory compliance.
• Ability to manage multiple tasks in a fast-paced environment to meet all designated deadlines.
• Strong oral and written communication skills.
• Exceptional attention to detail and analytical skills.
• Ability to self-motivate and work independently.
• Working knowledge of all areas of loan servicing, including knowledge of loan related branch teller procedures and back-office operations in the loan area.

Preferred:

• Previous real estate law office or mortgage lending office experience preferred. 

About HomeTrust Bank

HomeTrust Bank, founded in 1926, is a North Carolina chartered, community-focused financial institution committed to providing value-added community banking through online/mobile channels and multiple locations in Virginia, North Carolina, South Carolina, Tennessee, and Georgia. Learn more at www.htb.com. Apply today to take your first steps towards joining this talented population of employees within a growing organization. 

Work Environment, Physical Requirements  

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job.  HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.

• This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.
• Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
• Physical activity requiring reaching, sifting, lifting to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking and hearing are required.
• The employee will frequently communicate and must be able to exchange accurate information with others.
• The employee may need to move around their office to attend meetings and to access files, machinery, or other job-related tools.

DISCLAIMER:  HomeTrust Bank is an evolving company.  As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job.  While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

HomeTrust Bank values and promotes diversity and inclusion in every aspect of our business and at every level within the company. We recruit, hire, and promote employees based on their individual ability and experience and in accordance with Affirmative Action and Equal Employment Opportunity laws and regulations. Our policy is that we do not discriminate on the basis of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, pregnancy, marital status, status as a protected veteran, or any other status protected by federal, state, or local law.