Loan Quality Control Specialist

Job Title: Loan Quality Control Specialist

Become a valued part of our Unity Experience. 

Our employees embrace ideas, share openly and honestly, and believe in meaningful work for all. We are innovative, we encourage, we collaborate, we are authentic, and we live in a care culture. Our work environment is a trust-based, collaborative, open, transparent workspace where our bankers feel good and do good. Each employee builds their own sense of pride and ownership for what we do, taking responsibility for their roles and duties. Employee engagement and customer experience are always at the forefront of all we do. 

At Unity Bank, we are proud to be a community bank, at the heart of every community we serve. We feel strongly that when our customers choose Unity Bank, our customers are investing in and strengthening our communities; funding local farmer’s seeds, opening doors on main street, and unlocking opportunities for our neighbors. 

Every customer is unique. We value each conversation. We listen to our customers; we are curious, and we connect. We build relationships. We aspire to deliver high quality personalized service that our valued customers need and want. We feel the deep understanding and passion to deliver solutions that truly make a difference. We help people achieve their dreams. We share our Unity Experience with all.

Position Summary: The Loan Quality Control Specialist is responsible for managing risk to the Bank by performing a variety of quality control functions in partnership with commercial, real estate, and consumer loans to verify the accuracy of documents and completeness of loan files.                                                                                               

Responsibilities/Accountabilities:

• Loan Quality Control Review: Perform pre- and post-closing quality control reviews verifying accuracy of loan documents to both regulatory standards as well as internal controls and processes. Review documentation for completion and accuracy, including but not limited to, checklists, loan collateral, lending authority approval as outlined in loan policy, and communicate any deficiencies or expectations with the lending team.
• Collaboration: Partner with departments including Compliance, Lending, and Internal Audit to support and resolve any audit findings and share findings and recommendations for enhancing processes and procedures.
• Loan File Maintenance: Conduct daily loan file maintenance reviews.
• FNMA Portfolio: Responsible for balancing and reporting of the FNMA portfolio.
• Loan Maintenance: Conduct loan file maintenance and review as needed once information is uploaded into the core system.
• Compliance: Maintain an in-depth understanding of loan policy and process to identify exceptions to policy. Ensure adherence to regulatory requirements, privacy policies, industry standards, and internal policies and procedures.
• Market Research: Stay up to date on market data, research industry specific information from outside sources including industry publications and references from other banks.

Work Environment:  Collaborative, trust-based, transparent, supportive, and comfortable community atmosphere. This position may include opportunities to travel across our footprint, working with customers, community members, and our Unity Team. 

This position may require prolonged periods of sitting at a desk and working on a computer. 

Benefits: 401(k), 401(k) matching, Dental insurance, Disability insurance, Employee assistance program, Health insurance, Health savings account, Flexible Spending Account, Life insurance, Paid time off, Vision insurance. 

This is a positions for which:

• Military experienced candidates are encouraged to apply.
• Applicants of all ages, including older job seekers, are encouraged to apply.
• Applicants with disabilities are encouraged to apply.

Unity Bank is an equal opportunity employer.