Supervisor

Application deadline is 5 days after the date the role was posted.

Thank you for your interest in Bellco Credit Union. We're a local not-for-profit organization that has been giving back to our members, the communities we serve, and of course, our employees since 1936. Offering one of the best employee benefits packages around, Bellco is a leader in fostering, developing, and engaging staff to become expert financial-service ambassadors. You're a part of something more at Bellco-a place you can be proud of.

LOCATION: Corporate DIVISION: SVP-CMXO

FUNCTION DESCRIPTION:

The Supervisor of Quality Control oversees the Quality Control team. Responsible for oversight of numerous functions including ARM notices, Insurance Ratings, MERS, Taxes, Unapplied funds, Real Estate Payoffs, State National, Flood reviews and reporting. Evaluates, tracks trends, and monitors the quality assurance activities of the Operations Department. Responsible for supporting quality improvement projects and supporting the manager to drive prevention and detections. Responsible for leading the implementation of testing, monitoring processes and procedure auditing. This includes accuracy of system interfaces, data file reviews, CORE system acceptance of deposit, consumer and real estate loan and Fintech accounts. Performs system, workflow, and process deficiency identification, troubleshooting and resolution. Champions the total quality improvement efforts and initiates problem solving efforts and assures implementation. Ensures successful completion of HMDA review and reporting and integration testing on new products and services. Ensures accuracy and completeness of credit bureau disputes processing and reporting.

ORGANIZATIONAL RELATIONSHIPS:

Reports to: Sr Manager - Operations Support & Services

Supervises: Quality Control team

Contacts: Bellco & CUSO employees, auditors, examiners, vendors, suppliers, service providers, strategic partners, and credit union executive staff.

QUALIFICATIONS/REQUIREMENTS:

Experience: 5 years operational and/or lending experience required. General knowledge of deposit operations, consumer and real estate lending with an understanding of Bellco's underwriting guidelines, knowledge of loan operating systems, HMDA, and strong working knowledge of DNA.

Education: A high school diploma or equivalent is required

Bachelor's degree in business, finance or related academic field is preferred or equivalent work-related experience

Skills:

• • • Experience in quality assurance and validation required.
    • Strong understanding of credit reporting laws and regulations, including the Fair Credit Reporting Act (FCRA), Equal Credit Opportunity Act (ECOA), and other relevant financial industry regulations.
    • Knowledge of the processes, standards, and procedures related to credit reporting to major bureaus.
    • Must possess strong communication, organizational, presentation, customer service and interpersonal skills
    • Detail oriented, flexible and works well within a fast-paced team environment
    • Demonstrates strong analytical/problem solving and time-management skills
    • Strong PC skills to include Microsoft Word, Excel, Access, cView, Consumer and real estate origination and servicing systems
    • Knowledge of Bellco's front-line systems

• • • Ability to multitask and perform with frequent interruption

ESSENTIAL FUNCTIONS:

1. Demonstrate Bellco's Act Nice Behaviors and Core Values in all interactions with members, prospective members, and personnel in other Bellco departments.

1. Ensure QC is completed, documented, and reported accurately and on schedule for Insurance Ratings, MERS, Taxes, Flood and Unapplied. Also performs reviews on ARM Notices (Quarterly) and RE Payoffs (Quarterly).

1. Support the reporting required for HMDA qualifying loans and drive to completion by established deadline. This includes loading data into HMDA system of record and review of data for compliance and accuracy. Escalate concerns to management.

1. Investigate fraudulent, illegal, or improper activities that could cause losses to or claims against the credit union.

1. Demonstrate understanding of all automated processes impacting CORE system interfaces. These interfaces include Real Estate and Consumer loan operating systems, Mortgage Cadence, Velocity, CUDC, Temenos, Online Banking, and Fintechs etc.

1. Oversee completion of Real Estate system interface to verify automated uploading of loan accounts for accuracy to include QA review of mortgages acquired through correspondent channel.

1. Review custom reports to ensure accuracy. Log and report findings in a comprehensive and organized manner.

1. Review Metro II file monthly to ensure accuracy and completeness of data for credit bureau reporting for all loans on record.

1. Ensure credit reporting practices comply with applicable laws and regulations (e.g., Fair Credit Reporting Act, Privacy Act, etc.

1. Verify thorough documentation of credit reporting activities and discrepancies, ensuring accurate records for auditing and regulatory purposes within the Credit Union Core System.

1. Lead root cause investigations and corrective action plans for identified quality issues. Perform system, workflow, and process troubleshooting and resolution.

1. Participates in team projects where new products or system interfaces are presented. Develop and maintain quality documentation, such as validation protocols.

1. Review quality control reports, ensure delivery to servicing teams, provide feedback, and ensure corrections are completed.

1. Create needed reports to review and analyze core data for accuracy, communicate and track all follow-up items through to completion.

1. Develop, review, recommend, and establish procedures to detect and prevent the occurrence of deposit account errors, loan nonconformities, collateral or documentation.

1. Collaborate with Training, the liaisons, and/or frontline for process improvement changes or training needs.

1. Manage internal and external audits as needed. Ensure Risk Assessments are completed and reviewed annually. Participate in the annual Exam.

1. Review reports and documents to ensure regulations and policies and procedures of the Credit Union are being followed including but not limited to all HMDA, Reg Z, Truth in Lending, and TILA RESPA requirements.

1. Regular and punctual attendance.

Management retains the discretion to add to or change the duties of the position as business need dictates.

WORKING CONDITIONS: Office environment.

Bellco Credit Union provides a comprehensive benefits package to employees, including: Medical, Dental, Vision, 401 (k) with company match, Supplemental Life Insurance, Paid Vacation, Paid Sick Days, and Paid Holidays.

In addition to base compensation, Bellco Credit Union offers bonuses for the following roles:
Non-exempt branch roles may earn monthly bonuses for meeting production goals and quarterly bonuses for meeting team goals.
Exempt branch roles may earn quarterly bonuses for production and team goals.
Exempt non-branch management roles may be eligible for an annual managerial bonus.
Non-branch non-management roles may be eligible for on-the-spot bonuses for extraordinary performance.