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Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.
Job Summary:
The Lending Quality Assurance Specialist supports the quality, accuracy, and compliance of the Bank's lending operations through quality assurance reviews of commercial, mortgage, and consumer loan activities. Working closely with the Lending Quality Assurance Manager, this position identifies trends, provides feedback, and recommends improvements to strengthen loan quality, documentation accuracy, and process consistency. The incumbent serves as a resource to lending personnel, helping mitigate risk, ensure adherence to regulatory and Bank requirements, and promote a culture of accountability and continuous improvement.
Essential Job Functions include, but are not limited to:
The Lending Quality Assurance Specialist supports the quality, accuracy, and compliance of the Bank's lending operations through quality assurance reviews of commercial, mortgage, and consumer loan activities. Working closely with the Lending Quality Assurance Manager, this position identifies trends, provides feedback, and recommends improvements to strengthen loan quality, documentation accuracy, and process consistency. The incumbent serves as a resource to lending personnel, helping mitigate risk, ensure adherence to regulatory and Bank requirements, and promote a culture of accountability and continuous improvement.
Essential Duties and Responsibilities
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Conduct quality assurance reviews of commercial, mortgage, and consumer loan files to verify documentation accuracy, data integrity, compliance with loan approvals, and adherence to Bank policies and regulatory requirements.
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Perform pre-closing and post-closing reviews to ensure due diligence has been completed, loan documentation is properly executed, and required collateral and supporting documentation have been received.
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Validate the accuracy of information maintained within the Bank's core systems, including loan boarding, covenants, ticklers, policy exceptions, and document imaging records.
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Identify, document, and communicate quality assurance findings, trends, and potential risks; collaborate with lending leadership to recommend corrective actions and process improvements.
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Partner with Loan Administration, Loan Servicing, Retail Lending, and other stakeholders to support operational excellence, process improvements, and training initiatives.
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Maintain current knowledge of lending regulations, bank policies, procedures, and systems to support compliance and effective risk management.
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Participate in departmental projects and provide backup support for departmental functions as needed.
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Maintain confidentiality of customer information and provide professional, responsive service to internal and external customers.
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Perform responsibilities related to the Bank Secrecy Act (BSA) and other regulatory requirements as assigned.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. In accordance with the Americans with Disabilities Act, reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.
Skills and Qualifications
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Proficiency in Microsoft Office applications, including Word, Excel, and Outlook.
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Strong analytical, organizational, and time management skills.
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Exceptional attention to detail and commitment to accuracy.
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Excellent written, verbal, and interpersonal communication skills.
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Strong customer service orientation with the ability to build effective working relationships across departments.
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Ability to work independently, exercise sound judgment, and make recommendations to support operational and risk management objectives.
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Ability to prioritize multiple responsibilities and meet established deadlines in a fast-paced environment.
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Strong analytical, organizational, and communication skills, with exceptional attention to detail and the ability to manage multiple priorities effectively.
Education, Experience and Qualifications:
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High school diploma or equivalent required; Bachelor's degree in Business, Finance, Accounting, or a related field preferred.
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Three to five years of commercial lending experience required. Consumer lending experience preferred.
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Strong knowledge of loan documentation, loan operations, and applicable lending regulations required.
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Experience with loan documentation systems, including Finastra LaserPro or a comparable platform, required.
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Experience with Fiserv core banking systems or similar banking platforms preferred.
Physical Requirements of Essential Job Functions:
The associate is frequently required to sit and/or stand, communicate, reach, and manipulate objects, tools or controls that are typical of an office/bank environment. Lifting items weighing up to 10 pounds on a consistent basis. Manual dexterity and coordination are required over 80% of the work period while operating equipment such as computers, phones, calculators, etc.
Working Conditions:
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Typical office environment
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Extended viewing of computer screens
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Periodic travel between locations
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Typical work week is Monday – Friday 8 am – 5 pm; After hours and weekend work required if business needs dictate.
The above statements are intended to describe the general nature and level of work performed by associates assigned to this position. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of the associate classified as such. Duties and responsibilities may be added or changed as deemed appropriate by management at any time therefore, they could differ from those outlined above.
United Fidelity Bank is proud to be an Equal Opportunity/Affirmative Action employer All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with disability, sexual orientation, gender identity or any other characteristic protected by law.
