Bank Quality Control Specialist Senior - Real Estate Lending

Company: USAA
Location: Phoenix
Posted on: February 3, 2025

Job Description:

Why USAA?At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful.The OpportunityAs a dedicated Bank Quality Control Specialist Senior for Real Estate Lending, you will, within defined guidelines and framework, provides centralized Bank operational support performed by personnel independent of operations, that support for the business unit through internal quality process review and testing to ensure operational risks are appropriately identified. As part of first line of defense, tests Bank business processes, policies, and procedures to ensure adherence to a defined set of quality criteria. Reviews and identifies defects or gaps within processes, supervises error trends and documents and or publishes result in appropriate operational system. Communicates' findings with internal partners and shares feedback to address issues identified in the review process.We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: Phoenix, AZ.Relocation assistance is not available for this position.What you'll do:

• Reviews, monitors, and tests internal controls and procedures associated with products, services, customers, and operations.
• Facilitates testing and identification of gaps to internal QA and business line processes and procedures to ensure accuracy and mitigate risks of errors.
• Acquires and applies an in-depth understanding of risk issues within the business as well as key implications of exposure.
• Conducts and leads all aspects of quality reviews and investigates the most sophisticated of situations and begins the communication with leadership within the QA team and outside to the business. Responsible for handling employee and high-ranking official reviews in accordance to established quality standards.
• Serves as a resource to team members and/or cross functional team members; advises on intensified, sophisticated or issues of an outstanding nature and navigates obstacles.
• Evaluates for accuracy, compliance, and consistent execution of internal processes and regulations to mitigate risk and protect brand and reputation.
• Performs specific targeted testing and monitoring of designated processes and transaction activity as stated within the standard operating procedures (SOPs).
• Leads all aspects of updates to process documentation.
• Briefs key partners and management on review results, trends, studies, and initiatives, and recommends courses of action.
• Applies expert level knowledge in support of applicable laws and regulations in association to various operational lines of business in support of quality controls.
• Identifies and evaluates quality standards, measurements, and process improvements to ensure effective and efficient business solutions.
• Ensures risks associated with business activities are optimally identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.What you have:
  • High School Diploma or General Equivalency Diploma required.
  • 4 years of related work experience in a quality assurance/control role within a financial services industry, or 5 years of related work experience in client interfacing services, operations, or processing experience in relevant industry.
  • Strong interpersonal skills with demonstrated ability to deliver presentations and communicate information in a way that is easily understood by varying audiences.
  • Knowledge of relevant processes, procedures, and internal policies with experience in delivering training and serving as an effective resource to team members.
  • Intermediate knowledge in quality control management processes, practices, and procedures.
  • Extensive experience/ability to accurately analyze situations and reach productive decisions based on informed judgement that fall within established guidelines.
  • Knowledge of federal laws, rules, regulations, and applicable mentorship to include: HMDA, TILA/REG Z, BSA/AML, RESPA, FDPA, Reg B, SCRA, UDAAP, E-SIGN, GLBA/REG P, Complaints, OCC Heightened Standards.What sets you apart:
    • US military experience through military service or a military spouse/domestic partner
    • Mentoring experience with proven results in developing teams.
    • Experience with End-to-End Real Estate Originations application process
    • Understanding of quality assurance or controls process
    • Experience/knowledge w/ Reg Z, Reg B, Reg G, & UDAAP related to Real Estate Originations Activities
    • Previous Call Quality compliance monitoring experience (first, second or third line of defense)
    • Ability to build positive relationships with partners and inspire change.Compensation range: The salary range for this position is: $62,470 - $105,420.Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. -Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. -Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. -For more details on our outstanding benefits, visit our benefits page on USAAjobs.com.Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. -USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Keywords: USAA, Prescott , Bank Quality Control Specialist Senior - Real Estate Lending, Other , Phoenix, Arizona