Residential Lending QA Specialist

Benefit highlights: 11 Paid Holidays, 15 days of PTO, 401k Matching, Health Benefits, and more!

PlainsCapital Bank is seeking a Residential Lending QA Specialist to assist in reviewing Single Family Residence loan documentation for businesses and consumers. Performs reviews of early disclosures, closing disclosures, loan documents and HUDs to ensure regulatory and loan policy guidelines and requirements are followed. Performs post-closing review of package and submits completed packages to the Credit Department. Works closely with the Compliance Department and SFR Closing Coordinators.

PlainsCapital Bank was founded in 1988 by a group of young bankers who dreamed of bringing relationship banking to their hometown of Lubbock, Texas. With the acquisition of Plains National Bank, a Lubbock financial institution with one branch and approximately $198.8 million in assets, they began growing the bank one relationship at a time.

Over 30 years later, PlainsCapital Bank has held fast to its tried-and-true relationship-based culture and its commitment to financial strength and stability. PlainsCapital Bank ranks sixth among the largest banks headquartered in Texas by deposits and has a statewide presence with approximately 55 locations in markets such as Austin, the Coastal Bend, Dallas, Fort Worth, Houston, Lubbock, the Rio Grande Valley, and San Antonio. Backed by decades of experience, our knowledgeable bankers are renowned for their straightforward approach and for taking exceptional care of their clients. They bring both financial and industry expertise along with vast local market knowledge to each client relationship.

PlainsCapital Bank conducts both commercial and consumer banking, providing a full suite of commercial banking products and services to fit any business model and convenient services, personal attention, and account features to help simplify managing personal finances.

PlainsCapital Bank continues to remain strong and stable, delivering highly personalized service and a single point of contact to help customers reach their financial goals.

To learn more, please visit us online at plainscapital.com/about.

• High School diploma, general education degree (GED), or equivalent required.
• 3-5 years of experience in loan operations, compliance, or quality assurance field required.
• Basic understanding of real estate lending compliance.
• Excellent verbal, written and interpersonal communication skills.
• Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.
• Excellent analytical, time management, organizational, and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
• Must be self-motivated with strong initiative, high level of accountability, and attention to detail.

The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.

• Review early disclosures (consumer files) prior to mailing, ensuring accuracy and compliance.
• Monitor for signed disclosures such as ECOA, flood notice, and appraisal disclosure.
• Verify file for completeness before clearing to order documents (consumer and commercial purpose files).
• Review HPML/HOEPA, APR, TIP, and QM/ATR compliance on consumer files.
• Assess loan documents, closing disclosures, and HUD settlement statements for accuracy prior to closing (consumer and commercial purpose files).
• Perform review of flood insurance for compliance with Reg H.
• Perform review of HMDA data collection worksheets for applicable loans.
• Assist with training, checklist updates, and quarterly audits; mentor QA specialists as needed.
• Maintain clear communication with internal teams to resolve discrepancies and uphold quality standards.
• Performs other duties as requested.
• Review early disclosures (consumer files) prior to mailing, ensuring accuracy and compliance.
• Monitor for signed disclosures such as ECOA, flood notice, and appraisal disclosure.
• Verify file for completeness before clearing to order documents (consumer and commercial purpose files).
• Review HPML/HOEPA, APR, TIP, and QM/ATR compliance on consumer files.
• Assess loan documents, closing disclosures, and HUD settlement statements for accuracy prior to closing (consumer and commercial purpose files).
• Perform review of flood insurance for compliance with Reg H.
• Perform review of HMDA data collection worksheets for applicable loans.
• Assist with training, checklist updates, and quarterly audits; mentor QA specialists as needed.
• Maintain clear communication with internal teams to resolve discrepancies and uphold quality standards.
• Performs other duties as requested.