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Mortgage Loan Quality Control Manager – Brentwood, TN or Remote

Reliant Bank is a full-service commercial bank that provides customer service from its website, mobile app, via telephone and from 27 retail locations in Cheatham, Davidson, Hamilton, Hickman, Maury, Montgomery, Robertson, Rutherford, Sumner, and Williamson Counties in Tennessee. Reliant’s knowledgeable commercial bankers work with business clients to develop unique and individual deposit and lending solutions that help customers succeed. The bank’s vision is to be the best financial institution at building and being a part of the communities served, one customer at a time. The company intends to continue building the Reliant brand across its markets and remains committed to building long-term value for its shareholders. We are currently seeking a Mortgage Loan Quality Control Manager. This presents an excellent opportunity for a motivated professional to work in a challenging and rewarding environment. This exempt position reports to the VP, Operations & Correspondent Lending.

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PURPOSE OF JOB

The Mortgage Loan Quality Control Manager is responsible for managing the mortgage quality control department and the timely review and audit of mortgage loans through activities such as adherence to mortgage policies; auditing mortgage loan closing documents and preparing reports and forms. This position is also responsible for maintaining loan quality by adhering to procedures, mortgage regulatory compliance requirements, underwriting and closing guidelines both pre and post close of mortgage loans.

 

JOB DUTIES AND RESPONSIBILITIES

  • Effectively manages the mortgage quality control department by mentoring and motivating quality control specialists.
  • Follows all mortgage regulatory rules and Reliant Bank mortgage policies, immediately reports any suspicious behavior and/or situations that may result in criminal or emergency incidents.
  • Perform pre-funding and post-closing Quality Control reviews within SLA timeframes and/or ensure that external quality control vendors have performed reviews in a timely manner.
  • Verifies that proper loan disclosures have been provided to the borrower and are in the loan file.
  • Reviews initial disclosures and re-disclosures for RESPA and TILA.
  • Demonstrate the ability to perform a detailed analysis of mortgage loan documents based on bank, investor, agency and regulatory requirements. This includes verifying underwriter analysis, adherence to guidelines and procedures and the ability to recognize red flags.
  • Works with our third-party quality control vendor by providing a list of closed loans for them to select for audit.
  • Works with our third-party vendor by shipping them selected files and clearing conditions after their initial review.
  • Prepares audit responses for management review.
  • Assists in the preparation of mortgage policy and procedures.
  • Coordinates with Bank Compliance Officer on regulatory items
  • Works with document technology provider ensuring all custom forms are up to date;
  • Prepares custom forms as instructed.
  • Assists in the development of a successful business strategy by providing proactive and constructive feedback on techniques, strategies, and concerns as it pertains to mortgage quality. Monitor quality findings and the ongoing resolution process, including recommending reasonable corrective action relative to quality control findings. Interface with other departments as necessary to ensure the smooth operation and growth of the Mortgage Division.
  • Promotes the Bank’s products and services whenever possible; participates in bank sponsored events, networking and volunteer opportunities at every opportunity
  • Provides services that aligns with Reliant Bank’s Brand Promise: We are a growing community of friends – one relationship at a time

JOB REQUIREMENTS AND QUALIFICATIONS

  • College degree or equivalent professional experience preferred.
  • Three or more years of mortgage processing, mortgage loan quality control or closing experience preferred.
  • Proficient understanding of mortgage banking concepts and regulations, including Reb B, Reg Z (including Appendix Q), TRID, HMDA, etc.
  • Ability to communicate effectively through writing, speaking and listening.
  • Outstanding organization, attention to detail, analytical and problem resolution skills
  • Ability to work efficiently under time constraints, in a fast-paced environment
  • Ability to provide superior level of customer service
  • Knowledge of Open Close LOS and DU and LP AUS preferred
  • Strong Microsoft Office skills
  • Ability to work overtime as requested, especially the last ten business days of each month.

Reliant Bank offers competitive compensation and full benefits including medical, dental, vision, health savings accounts, flexible spending accounts, life insurance, short term disability, long term disability, 401(k), paid time off and volunteer time. Qualified candidates may submit their resume via https://secure.entertimeonline.com/ta/InpReliant.careers?ApplyToJob=318944832

Reliant Bank is an Equal Employment Opportunity/Affirmative Action Employer.

 

 

 

Ready to apply now?

Click the link below to create a profile and apply.

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