[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. Responsibilities Perform pre-funding quality control reviews of conventional and government mortgage loan files Review underwriting decisions for compliance with Fannie Mae, Freddie Mac, FHA, VA, USDA, investor, and company guidelines Analyze borrower income, employment, assets, liabilities, credit history, debt-to-income ratios, and loan-to-value calculations Review Automated Underwriting System findings, underwriting conditions, and supporting documentation to confirm loan eligibility Review appraisals and collateral documentation for accuracy, reasonableness, and compliance with applicable guidelines Identify red flags, inconsistencies, missing documents, calculation errors, and potential fraud indicators Confirm that required loan documentation and underwriting conditions are complete before closing or funding Document loan file exceptions clearly and provide meaningful information regarding identified defects Communicate findings and respond to questions regarding completed loan reviews Conduct targeted or specialized audits as assigned by management Maintain current knowledge of mortgage underwriting requirements, agency guidelines, investor requirements, and regulatory developments Complete assigned reviews accurately and within established deadlines and production expectations Maintain confidentiality of borrower, client, and loan information Perform other duties as assigned Skills Minimum of 3 years of mortgage underwriting or mortgage quality control loan review experience Strong knowledge of mortgage credit analysis, underwriting documentation, and loan eligibility requirements Familiarity with Fannie Mae, Freddie Mac, FHA, VA, and USDA loan guidelines Experience reviewing income, assets, liabilities, credit, DTI, LTV, AUS findings, appraisals, and supporting documentation Strong analytical and research skills Superior attention to detail and accuracy Ability to work independently in a remote environment Ability to meet strict deadlines and production expectations Strong written communication skills with the ability to clearly document loan exceptions Ability to communicate clearly and effectively both verbally and in writing Proficiency with Microsoft Word, Excel, Outlook, and mortgage loan systems Direct pre-funding quality control experience is strongly preferred ACES audit software experience is preferred Company Overview CruiTek 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/.

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