Senior Quality Control Analyst

Why Work for Quontic?

Quontic Bank is a CDFI federally chartered digital community bank. We have a customer-centric culture built around helping our customers and giving back to local communities. We’re making homeownership simpler, faster, and most importantly more accessible for all communities across the United States.

Who We are

Quontic is the adaptive digital bank that empowers its customers financially while embracing their diverse circumstances. Quontic’s mission to break the system for financial empowerment stands in the face of big banks and proves there is a better and more equitable way to put the customer first. We focus on truly understanding and serving the underdogs, entrepreneurs, gig-economy workers, immigrants, and more with a curated banking experience as opposed to a one-size-fits-all banking approach.

What We Live By

Whatever your role, we are bound by a spirit of collective commitment and excellence in all aspects of our work. As an employee of Quontic, the importance of your contributions cannot be overstated. You are an important part of our team!

Your Primary Responsibilities Include:

The Senior QC Analyst plays a crucial role in maintaining high-quality standards in residential loans by performing detailed analyses, reporting findings, and contributing to continuous improvement initiatives.

Job Responsibilities:

• Conduct detailed quality control tests on residential loans to ensure they meet the established standards and guidelines.
• Analyze data from quality control tests to identify trends, inconsistencies, and areas for improvement.
• Detect and report any discrepancies or issues found during the QC process. This can include errors in documentation, compliance issues, or deviations from loan guidelines.
• Prepare detailed reports on findings from quality control tests, including recommendations for corrective actions and improvements.
• Work with the QC Manager to develop and refine quality control processes and procedures to enhance the overall quality and efficiency of the QC function.
• Provide training and guidance to ensure consistent application of quality control standards and procedures.
• Ensure that all quality control activities comply with regulatory requirements and internal policies.
• Collaborate with other departments, such as underwriting and loan processing, to address and resolve quality issues and improve overall loan quality.
• Conduct internal audits and assist in external audits related to quality control processes and findings.
• Serve as a subject matter expert on quality control standards, methodologies, and best practices within the residential loan industry.
• Perform special projects, and additional duties and responsibilities as required.

Education and Experience Requirements:

• Bachelor's degree (or equivalent), or similar; OR associate degree and two (2) years of experience in functional area; OR high school diploma (or equivalent) plus four (4) years of experience in functional area.
• Additional three (3) years+ of progressive experience in functional area.

Additional Job Requirements:

• Proven skills and experience with mortgage operations functions, including pre-close/post-close.
• Non-QM experience is a plus.
• Proven knowledge on conventional, FHA, HELoan, and Non-QM underwriting guidelines.
• Proven experience with Microsoft Office 365 and the following technology: Encompass and ACES.
• Willingness to pursue continuing education, certifications, etc. as applicable to advancing in the organization.
• Analytical and problem-solving skills.
• Interpersonal and communication skills with the ability to speak confidently.
• An ability to thrive in a fast-paced environment where priorities change daily, and where employees wear many hats.
• Detail-oriented with the ability to think "outside the box" and prioritize tasks and decisions in a timely manner.
• Self-directed, yet effective working as part of a collaborative team.
• Responsive and customer-focused with a demonstrated use of professional judgment.

The above is merely a description. Responsibilities and duties are not limited to the above. Quontic reserves the right to change job descriptions at any time.

Please note that we are authorized to hire from the following states: AL, AZ, CA, CO, CT, DE, FL, GA, IL, IN, KS, KY, LA, MD, MI, MO, NC, NH, NJ, NV, NY, OR, PA, RI, SC, TN, TX, VA, VT, WA, WI, WV. Successful applicants must be located in, or relocating to, one of these authorized states.

Quontic provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, Quontic will provide reasonable accommodations for qualified individuals with disabilities. If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at careers@quonticbank.com.