A Career At UNIFY Financial
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Welcome to UNIFY Financial Credit Union's Career Portal 

UNIFY offers a wide selection of financial products and services to assist in making the important financial decisions our members face throughout life’s many different stages. UNIFY also provides a better banking experience with robust online banking tools.  Accessibility and member satisfaction are our focus via our 24/7 U.S.-based Contact Center or one of our nationwide branches.

UNIFY doesn’t stop at great member service and financial products, we are also a GREAT company to work for!  We have opportunities nationwide offering competitive salaries. We believe our team members are our best asset, so we take care of our team with a generous benefits package including: education reimbursement, 401k plan with an employer match, medical, dental and vision insurance.

At UNIFY, you will advance your career with one of the nation’s largest 100 credit unions, with a reputation for being financially sound and growth-oriented.  Apply today!


QC Lending Analyst I

Department: Compliance
Location: Mesa, AZ

Job Function Summary:

Analyzes and executes the quality control (QC) activities, and reviews and documents credit risk over various lending lines of the Credit Union. Responsible for analyzing documentation as related to QC reviews, to ensure that quality documentation is achieved. 
 
Specific Duties & Responsibilities:

Reviews real estate loans and document findings, and communicates results within applicable time constraints, to enable CU to sell loans that meet state and federal regulations, agency guidelines, investor requirements, and UNIFY’s policy.  Includes both prefunding and post-closing real estate lending file reviews. 
 
Reviews funded business loans and consumer loans.  Assists in the development of the QC process to improve loan adherence to UNIFY’s policies, procedures and regulations, and to communicate the oversight of these quality control review efforts to management. 
 
Responsible for the analysis of the quality of the loan portfolio, indicating any problematic trends in terms of errors or other quality-related problems, such as failure to adhere to UNIFY’s policies and procedures.  Provides process improvement recommendations, identifies training gaps, and communicates identified risks, working in conjunction with the Risk Management Department to eliminate duplication of efforts while providing service to team members. 
 
Recommends process improvements from a QC perspective, in order to decrease errors and resolve any defects found.  Documents issues identified, and communicates to manager to ensure they are appropriately addressed and remediated, while collaborating with managers in the development process to reduce errors going forward. 
 
Ensures proper measures are in place to minimize exposure to fraud and potential losses with loans reviewed. 
 
May participate in loan due diligence efforts as assigned, to identify and evaluate the credit quality of the proposed loan purchases or sales. 
 
Maintains full compliance with UNIFY Financial Credit Union service standards, policies, and procedures; and with the Bank Secrecy Act. 
 
Leads and positively influences others, exhibiting UNIFY’s core values in all daily activities. 
 
Performs other duties as assigned. 

Qualifications, Experience, & Education:

  • Requires a minimum of two years of experience in a QC function, with two years of loan underwriting experience.  
  • Requires the ability to communicate highly effectively, both verbally and in writing, with individuals and groups.  
  • Requires strong proficiency in spreadsheet and word-processing applications.  
  • High school diploma required; a bachelor’s degree is preferred; or equivalent combination of education and experience.  
  • Must have a working knowledge of the loan underwriting and credit review processes in real estate or commercial lending, including program, policies, standards, procedures, and guidelines.
  • Must be well versed in UNIFYs lending processes and procedures; and must maintain a good working relationship with all parties to provide impactful improvements and guidance.
  • Ability to graciously challenge others, by asking questions and constructively managing conflict and communication with all interactions, while working for the overall good of the Credit Union.  
  • Prior working knowledge of Fannie, Freddie and FHLB requirements a plus.
  • Must have a working knowledge of quality control processes, including programs, policies, standards, procedures, and guidelines. 

 

Physical Standards With or Without Reasonable Accommodations:

Requires the ability to sit/stand for extended periods of time (up to 7 hours daily); repetitive motion of hands for typing, gripping, grasping, filing, etc.; the use of commonly found office equipment; and occasional lifting, stooping, bending and squatting. 
 

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