• Senior Quality Control Analyst - Correspondent Lending

    Job Location US-TX-Richardson
    ID
    2019-3799
    Location: Address
    2221 Lakeside Boulevard
    Category
    Correspondent Lending
  • Overview

    At Texas Capital Bank, we are driven by a single-minded and unwavering mission: to serve business and the individuals who run them. We use a consultative approach and innovative technologies to develop new ideas that give the bank and our clients a competitive advantage. We partner with our customers to push the boundaries of what’s possible—together.

    Headquartered in Dallas, Texas Capital Bank has offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, and we serve clients in a variety of industries from coast-to-coast.

    We are on the Forbes Best Banks in America list, and were named a top place to work by The Dallas Morning News and San Antonio Express-News. For further information, please visit us at www.texascapitalbank.com.

    Responsibilities

    • Responsible for analyzing complex mortgage loan transactions to ensure loans conform with program guidelines
    • Perform in-depth reviews and analysis of mortgage loans
    • Ensure all loans are underwritten in accordance with all required compliance guidelines, as well as investor underwriting guidelines such as FNMA, FHLMC, FHA, VA, USDA, etc.
    • Perform risk analysis and make decisions regarding deficiencies that may be identified during the loan review
    • Maintain knowledge of underwriting guidelines as well as internal policies and procedures
    • Detect and prevent mortgage fraud
    • Conduct internal testing with a focus on procedural efficiencies and conduct a full review of outsourced loans
    • Assist in the development of testing for specific business practices to ensure compliance

    Qualifications

    • College degree preferred or commensurate work experience in the mortgage banking field
    • 7+ years of mortgage underwriting and/or quality control experience required
    • Working knowledge of investor guidelines such as FNMA, FHLMC, FHA and VA, USDA
    • Experience utilizing Desktop Underwriter (DU) and Loan Prospector (LP) underwriting tools, as well as ability to manually underwrite loans and perform detailed income calculations on self-employed borrowers
    • Demonstrated knowledge of state and federal regulatory guidelines and procedures
    • Ability to analyze risk as it relates to the investment of quality loans
    • Experience underwriting loans in all states
    • Ability to review documentation, perform analysis, validate and document potential risk
    • Effective written and verbal communication skills
    • Excellent computer skills and proficiency in Excel

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