Quality Control Underwriter \u0026 Analyst

The Quality Control Underwriter and Analyst coordinates, executes, and manages Compliance functions including the Quality Control program for Amerant Mortgage. Directs and administers quality control resources to coordinate the activities of Amerant Mortgage in support of the policies, goals, and objectives set by the Executive Team. Manages quality control activities across all origination verticals including Retail, Wholesale, and Amerant Mortgage Partnerships. Manages state and agency examinations, supports all other audits as needed. 

• Ensures administration of resources to facilitate proper adherence to Company Quality Control Plan including vendor management, coordination, delivery, reporting, and training.
• Recommend and implement operational and credit risk controls to preserve profitability objectives and manage credit risk based on Quality Control results.
• Work closely with Compliance and Operations management to create, manage, and train credit risk policies consistent with the investor and Company underwriting criteria.
• Develop and maintain Quality Control processes.
• Assist with management of state, federal and agency audits. Work with examiners to provide requested documentation and review of findings. Work with relevant staff internally regarding findings mitigation, responses and corrective actions. Maintain tracking of audits findings and review processes to ensure continuous improvement.
• Evaluate the results of overall Quality Control results, prepare management responses, create and document remediation plans, and regularly report results to the Executive team with recommendations for continued improvement. Results include findings from pre- and post-closing reviews, EPD reviews, agency and investor reviews.
• Oversee monthly Quality Control meetings with Quality Control Committee to discuss corrective actions, process updates, vendor feedback and other topics
• Source, direct, and manage related vendor and outsourced relationships to provide scalability and flexibility in workforce while maintaining SLAs, maintain records of oversight and scoring for quality purposes.
• Work closely with Operations and Underwriting management to evaluate effectiveness and accuracy of loan manufacturing functions across all aspects of the organization and develop/maintain adequate feedback loops and training programs designed to continually improve staff performance.
• Ensure preventative measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues
• Assist with Fraud investigation and audit for presentation of results to Compliance management for potential reporting.
• Identify, evaluate, monitor and make any recommendation deemed necessary to the Compliance management for discussion with Executive Committee in order to assess, reduce, eliminate or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules regulations, prescribed practices, internal policies and procedures or ethical standards.
• Provide support to Compliance management for short-term and long-range capacity planning based on broad corporate goals and growth objectives.
• Any additional Compliance duties as needed but not limited to assisting with HMDA reporting, state annual reporting, training updates, etc.
• Ensure all production staff are meeting production and loan quality parameters and set forth in AMTM strategic plan.

Minimum Education Experience:

Bachelor’s Degree, FHA Direct Endorsement authority (Preferred)

Experience Requirements: 

Minimum 5 years of compliance experience with at least 3 years of quality control experience

• Highly Organized, Detail Oriented, and Process Driven. 
• Proficient with MS Applications.
• Mortgage or related banking industry experience is required
• Strong project-management skills, with a proven ability to coordinate across departments and functions
• Proven ability to draft procedures and evaluate internal controls
• Strong work ethic and hands-on approach
• Ability to address challenging issues while remaining objective and independent
• Ability to build technical processes and work with Products to provide compliance-related requirements
• Demonstrated knowledge and application of consumer protection laws and regulations such as TILA/Regulation Z, ECOA/Regulation B, FCRA, FACTA, FDCPA, SCRA, BSA/AML, EFTA, UDAAP, and GLBA – HMDA a plus
• Experience conducting compliance monitoring and testing
• Proven ability to take a project from start to finish
• Ability to handle several projects at once while staying organized, detail oriented, and diligent
• Strong communication skills - the ability to articulate verbally and in writing, plans, processes, policies, and issues to stakeholders
• Ability to thrive in a fast-paced startup environment
• Professional certifications such as Certified Regulatory Compliance Manager (CRCM) a plus
• Ability to manage multiple priorities and meet deadlines.