US National – Telecommute
Quality Control Analyst II
Who We Are:
Cardinal Financial is a nationwide direct mortgage lender whose mission is to prove that homeownership is possible for everyone. By bringing an open-minded approach to an often closed-minded industry, we’re able to embrace every unique financial situation differently in order to craft the best possible loans for our borrowers. We pride ourselves on providing excellent service backed by our groundbreaking technology, and these two components of our process come together to complete a simple, personalized mortgage experience. But it all starts with our people.
We believe that no matter where you fit in our organization?Sales, Human Resources, Information Technology, or even re-stocking the break rooms with endless coffee supplies?everyone can influence the experience that we provide to our customers and our partners. We tell our customers and our partners that anything can be reimagined. So why not your career? Looking to join a company that values its people, innovates and expands on its proprietary technology, and is growing at a ridiculous rate?! Apply below!
Who We Need:
The Quality Control Analyst reviews FHA, VA and conventional closed or denied loans, as well as early payment defaults. Depending on the task assignment, the team member could also be responsible for reviewing loans prior to funding as outlined in the Task Overview/Checklist. This individual’s work is used to determine if origination functions conform to company policies and meet investor guidelines.
What You Will Do:
Review loan files to determine if any issues need reporting.
Complete quality control questionnaires to determine risk factors.
Responsible for maintaining knowledge level regarding underwriting, process and regulatory changes as they relate to quality control audit function.
Combine data from vendors and re-verifications to create regularly scheduled reports for QC Manager(s).
Assist in identification of potential infrastructure vulnerabilities in operations, production and culture by monitoring: compliance to state and federally regulatory requirements in loan sample; adherence to contractual agreements between Company and investors in the loan sample; adherence to published origination, processing, underwriting, closing and post-closing standards; integrity within the origination process; existence and accuracy of legal documents, credit documents and property appraisals used by Company to reach an underwriting decision.
Provide management feedback, objective analysis, evaluation, recommendation and observation for all audits performed not limited to: early payment default, target/discretionary, canceled/denied, third-party organizations, retail organization.
Develop effective professional partnerships with all colleagues.
Perform tasks/assignments as designated by Quality Control Manager(s).
What You Need:
High school diploma or GED.
2+ years of Mortgage Fraud experience highly preferred.
Familiarity with mortgage process and mortgage documents.
Prior Quality Control experience.
Underwriting or AUS Analyst experience.
Demonstrate responsibilities for multi-faceted direction and planning; must be a fast-paced individual.
Excellent verbal and written communication skills.
Excellent analytical and organizational skills.
Ability to take direction and comprehend training.
Ability to work closely within a team structure.
Working knowledge of Microsoft Suite, specifically Word and Excel.
Working knowledge of Encompass software system a plus.
Constant phone interaction required.
Extended and weekend work hours may be required.
Must abide by the Company standards for email and telephone etiquette.
What We Offer:
Strength, Stability, and Vision.
A commitment to be a relevant market leader – we are aiming for the top!
Highly engineered proprietary technology th…
Accounting & Finance , Underwriting , Mortgage & Real Estate , Analyst