• Mortgage Ops Risk Analyst

    Location US-CA-Pasadena
    Job ID
    Position Type
  • Overview

    We are currently seeking a Mortgage Ops Risk Analyst.  This senior level position will be responsible for performing and conducting regulatory and compliance loan level reviews on conventional loans; originated and purchased as it relates to Residential and Commercial facets.  Overall knowledge and audit experience in various mortgage loan types: i.e., SFR, HELOC, Multi-Family - Funded and Non-Funded loan dispositions.


    • Strong analytical skills in reporting to management on loan level quality issues including ability-to-repay, regulatory, arid compliance adherence
    • Ensure QC audit review qualities are within acceptable risk parameters
    • Investigate responses and rebuttals to resolve significant/insignificant issues
    • Must be able to enter review into proprietary software (Encompass Loan Origination System)
    • Perform Pre & Post Fund audit reviews as needed
    • Assist in designing, developing, and testing new systems
    • Conduct research on potential selling guide and investor's underwriting policy changes
    • Deliver findings and recommendations to management
    • May participate as a team member on projects
    • Must stay current on all agency, state, and federal guidelines
    • Meet deadlines as required
    • Be adaptable in the work environment
    • Must conduct all activities in a professional manner
    • Review rebuttals, discuss with Team Lead/Manager for response and make corrections to original audit once final.
    • Review internal audit results, discuss with team lead/manager for response.
    • Adhere to the companies "Core Values"
    • Other duties assigned by Team Lead and or Manager


    • Minimum of 7 years of experience in conventional and government underwriting and/or Quality Assurance/Quality Control function in the mortgage banking industry, experience in quality assurance services in a multiple client environment preferred
    • Knowledge of all conventional and government underwriting guidelines for agencies-Fannie Mae and Freddie Mac Selling Guide, private investors, and underwriting standards and practices
    • In-depth knowledge of all federal, state and local compliance regulations to include: Truth in Lending, Equal Credit Opportunity laws, etc.
    • In-depth knowledge of total closing function to include: underwrite condition to closing, closing instructions, closing procedures, and abreast with TRID requirement.
    • Strong comprehensive knowledge in HMDA Reporting; abreast on CFPB policies and procedures as it relates to HMDA.
    • College Degree or equivalent work related experience
    • In depth working knowledge of AUS systems including, but not limited to Ellie Mae Loan Operating System and Desktop Underwriter
    • Strong working knowledge and use of Microsoft Office Suite, including Word and Excel.
    • Strong written communication skills.
    • Ability to handle multiple tasks and prioritize workloads
    • Self-starter that is able to manage multiple priorities simultaneously
    • Must be able to deliver high-quality results
    • Must be able to work well with others


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