Post Closing TRID Quality Assurance Analyst II

Job Title

Perform comprehensive TRID quality analysis of Retail and Home Mortgage Direct (HMD) operations for all investors, insurers and regulators. Ensure TRID quality of Retail and HMD are performed with adherence to all regulatory, investor and bank policy guidelines.

Essential Duties and Responsibilities :

• Validate / review loans by performing a comprehensive loan level review and compliance analyses of mortgages (Retail and HMD) for adherence to all investors, insurers, federal regulations and Truist.
• Review all Loan Estimates issued at loan level by performing a comprehensive change in circumstance review for adherence to all regulatory, compliance and Truist guidelines.
• Validate / review the Closing Disclosure for accuracy and completeness to ensure all regulatory and risk requirements of the TRID rule are met while following all other regulatory and investor guidelines.
• Review loans for regulatory compliance with Regulation Z and remedy any violations found.
• Review title commitment, purchase contract, appraisal, all Settlement Agent documentation, invoices, statements, loan disclosures and loan estimates to determine all Borrower fees reflected on the Closing Disclosure appear in the correct section and are held to the appropriate tolerance limits per regulatory, compliance and Truist guidelines.
• Identify, correct and remedy any clerical, numerical and tolerance defects by issuing a corrective Closing Disclosure and / or refund to Borrower within 60 calendar days of closing.
• Perform root-cause analysis to provide feedback for TRID Operations Manager to partner with appreciate line of business (LOB) to help reduce and eliminate any bank monetary risk.
• Ensure quality, productivity standards are met, improvements are made where necessary and remediation follow-up is accomplished per internal / external audit findings.

Qualifications :

Preferred Qualifications :

Other Job Requirements / Working Conditions :

General Description of Available Benefits for Eligible Employees of Truist Financial Corporation :

All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist's generous benefit plans, please visit our Benefits site.

Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace.