Mortgage Quality Control Underwriter

Job not on LinkedIn

🕒 May 7

🏰 Missouri – Remote

🏰 Missouri – Remote

⏰ Full Time

🟢 Junior

🟡 Mid-level

🚫👨‍🎓 No degree required

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First State Bank of St. Charles

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 1867

🏦 Banking

💸 Finance

Banking • Finance

First State Bank of St. Charles is a community-focused bank based in St. Charles, Missouri that provides personal, business, and mortgage banking services. The bank offers checking and savings accounts, CDs & IRAs, a wide range of loan products (mortgages, auto, business, commercial real estate, SBA lending), credit and debit cards, digital banking and mobile apps, merchant and POS solutions, and specialty services like safe deposit boxes and notary services. FDIC-insured and committed to financial education, fraud prevention, and local community outreach, the bank emphasizes personalized service for individuals, families, and small-to-medium businesses.

📋 Description

• Conducts Pre-closing audits of mortgage loans, identifying deficiencies related to agency, investor, or internal requirements • Conducts Post-closing audits mortgage loans, identifying deficiencies related to agency, investor, regulatory, or internal requirements • Completes independent calculation and analysis of key aspects of mortgage file, including compliance requirements, loan-to-value and debt-to-income ratios, employment/income, assets, credit, liabilities, and collateral • Completes independent unbiased validation and re-verification of data/documentation relied upon during the loan decision • Evaluates decision made by origination underwriter and completion of other required items attributable to various business units • Accurately and thoroughly communicates audit findings for each file reviewed

🎯 Requirements

• High school diploma or general education degree (GED) required • Associate's degree (A.A.) or higher preferred • Minimum 2 years’ recent experience in residential mortgage lending quality control and/or origination underwriting • 5 or more years’ residential mortgage processing experience with current or past credit decisioning authority required • Experience processing, underwriting, or performing quality control on conventional and government loan types required • Experience with Encompass Loan Origination System and ACES QC Software preferred • Understanding of regulatory compliance applicable to mortgage lending including TILA, RESPA, ECOA, FCRA and other applicable laws • Strong knowledge of Fannie Mae/Freddie Mac guidelines required • Comprehension of Desktop Underwriter (“DU”) and Loan Product Advisor (“LPA”) Findings Summaries/Feedback Certificates required

🏖️ Benefits

• medical, dental and vision insurance • paid time off • 401k • ESOP and more