Loan Quality Control Specialist in San Diego, California at MyPoint Credit Union

We are looking for a detail-oriented Loan Quality Control Specialist to join our Real Estate/Consumer Lending team.

In this role, you will help protect the quality and integrity of our lending operations by reviewing Consumer, Credit Card, and Real Estate loan files for accuracy, completeness, policy adherence, and regulatory compliance.

This position is ideal for someone with strong lending knowledge who enjoys digging into the details, identifying potential issues, and partnering with others to strengthen processes and maintain consistent lending practices.

As our Loan Quality Control Specialist, you will:

• Conduct quality control reviews of Consumer, Credit Card, and Real Estate loan files for completeness, accuracy, and appropriate record retention.
• Review lending documentation for adherence to established policies, procedures, underwriting guidelines, approval requirements, and regulatory standards.
• Identify documentation deficiencies, underwriting exceptions, disclosure discrepancies, compliance concerns, and other areas of potential lending or operational risk.
• Document findings and communicate required corrective actions to lending staff and management.
• Prepare monthly reports, as well as additional reports requested by management, regarding loan quality findings, exceptions, trends, and corrective actions.
• Partner with management to identify recurring issues and opportunities to strengthen lending processes and internal controls.
• Maintain the confidentiality of member information and follow applicable security, privacy, and regulatory requirements.
• Comply with applicable laws, regulations, policies, and procedures, including requirements related to Regulation CC, the Bank Secrecy Act, OFAC, and the USA PATRIOT Act/Customer Identification Program (CIP).
• Assist with other projects and assignments where your lending expertise can support the team and organization.

• Associate degree, completion of a specialized business or trade school program, or equivalent specialized training or apprenticeship.
• At least three years of related experience in lending, loan processing, underwriting, quality control, compliance, or financial services.
• Experience with Consumer Lending, Credit Cards, and/or Real Estate Lending is preferred.

We're looking for someone who brings:

• Working knowledge of federal and state lending requirements and guidelines, including TILA/Regulation Z, Credit CARD Act, ECOA/Regulation B, FCRA/FACTA, HMDA, RESPA/TRID, and applicable NCUA, CFPB, Fannie Mae, and HUD requirements.
• Strong knowledge of consumer, credit card, and real estate lending practices, including credit evaluation, underwriting, disclosures, collateral documentation, loan approvals, funding, and post-closing requirements.
• Strong analytical and problem-solving skills with exceptional attention to detail.
• The ability to independently review loan files and identify exceptions, discrepancies, documentation deficiencies, and potential compliance concerns.
• Strong written and verbal communication skills, including the ability to clearly communicate findings and corrective actions.
• Excellent organization and time-management skills.
• The ability to manage multiple priorities, meet deadlines, and work independently with minimal supervision.

Quality control is an important part of maintaining a strong lending program. In this position, you'll play a key role in helping ensure our lending decisions and documentation are accurate, consistent, compliant, and aligned with Credit Union standards.

If you're an experienced lending professional who enjoys analyzing the details, identifying opportunities for improvement, and contributing to strong lending practices, we'd love to hear from you.

Bring your lending knowledge, attention to detail, and commitment to quality to a role where your work can make a meaningful impact across our lending operations.

Apply today to join our team as a Loan Quality Control Specialist.