Loan Quality Control Specialist

HOPE Overview

HOPE (Hope Enterprise Corporation, Hope Credit Union and Hope Policy Institute) provides financial services; leverages resources; and engages in advocacy that strengthens the financial health of people in under-resourced Deep South communities. Since 1994, these efforts have benefited more than three million people in Alabama, Arkansas, Louisiana, Mississippi and Tennessee, and influenced billions in persistent poverty communities across the nation. Learn more at hopecu.org.

Title: Loan Quality Control Specialist

Department: Retail Sales

Reports To: Assistant Vice President, Loan Quality Control

Supervises: N/A

Job Classification: Non-Exempt, Full-time

The Loan Quality Control Specialist is responsible for ensuring the accuracy, completeness, and compliance of retail loan documentation. This role involves reviewing title work, tracking and resolving loan exceptions, and maintaining secure and organized file storage. The specialist supports pre-closing and post-closing processes, and assists lenders in meeting regulatory compliance requirements.

Responsibilities:

• Manage and monitor the storage, organization, sequencing, and overall activity of retail loan file documentation to ensure security and accuracy.
• Oversee file quality control process, including daily loan file reviews, exception tracking, and escalation of red flags or suspicious activity to the QC manager.
• Stay informed on real estate lending regulations and procedural updates.
• Prepare all real estate loan documentation, and support both pre- and post-closing activities, including title review, closing coordination, and lien perfection.
• Administer check-in and check-out processes for loan files.
• Provide copies of loan documents upon request
• Update loan files by adding or removing information as needed.
• Ensure the security and confidentiality of the loan file storage area.
• Assist in collecting financial and related information on borrowers and associated parties.
• Adhere to departmental policies and procedures; recommend updates as needed.
• Provide general administrative support to department leadership and serve as backup for departmental administrative functions, including meeting participation and data reporting.
• Other duties as assigned

Qualifications:

Required

• High school diploma or GED
• Degree in relevant field or experience in consumer lending or equivalent

Preferred

• Title & UCC perfecting is preferred
• Real estate or TRID experience is a plus

Key Competencies & Skills:

• Proficient in Microsoft Office and basic computer applications
• Strong analytical skills with sound decision-making and problem-solving abilities
• Skilled in maintaining and organizing consumer loan documentation systems
• Excellent verbal and written communication skills
• Proficient in identifying and interpreting standard loan documentation
• Effective at prioritizing tasks, managing workload, and meeting deadlines
• Highly organized with strong attention to detail

Work Environment:

• Fast-paced, deadline-driven atmosphere requiring adaptability and multitasking.
• Must be able to routinely perform work indoors in climate-controlled atmosphere with minimal noise.

Comprehensive Benefits Package:

• Paid Vacation and Sick Time
• 11 Paid Holidays
• 401(k) with Company Match
• Medical, Dental, and Vision Benefits
• Flexible Spending Account (FSA)
• Disability Benefits
• Life Insurance, Critical Illness, Accident
• Employee Assistance Program (EAP)
• Tuition Reimbursement, Professional Development

Hope Enterprise Corporation does not participate in or engage in any form of visa sponsorship, including employment-based visa applications or extensions (e.g., H-1B, TN, O-1, OPT, STEM OPT, etc.). Candidates must be legally authorized to work in the United States at the time of application and throughout the duration of employment.

We are an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.