Process Executive – QA TD

Job description

Key Responsibility Area:

The fundamental duties & tasks the define the job are:

1. Conduct pre‑process, in‑process, and post‑process quality checks for HELOC Processing, Underwriting, and Closing.
2. Review documentation including credit reports, income, assets, title, insurance, underwriting conditions, disclosures, and closing packages.
3. Validate adherence to compliance requirements (TILA, RESPA, ECOA, HMDA, state regulations).
4. Identify errors, classify defects, and document root causes.
5. Publish daily/weekly QA dashboards and error trend analysis.
6. Ensure HELOC files meet internal guidelines, lender overlays, and regulatory standards.
7. Monitor audit exceptions and ensure timely correction and closure.
8. Review high‑risk files and escalate discrepancies.
9. Verify completeness and accuracy of closing documents (HELOC Note, HELOC Agreement, Right to Cancel, Mortgage/Deed).
10. Implement dual‑control and checklist-based controls for critical steps.
11. Provide structured feedback to processors, underwriters, and closers.
12. Conduct refresher sessions based on recurring error themes.
13. Mentor SMEs and team members on quality expectations and risk points.
14. Lead calibration sessions with trainers, SMEs, and team leads to ensure consistent understanding.
15. Maintain training logs, quality playbooks, and updated SOPs.
16. Perform deep-dive analysis on recurring defects and process failures.
17. Drive RCA (Root Cause Analysis) and implement corrective action plans.
18. Recommend workflow changes, automation opportunities, or SOP updates.
19. Set up preventive controls for new/complex HELOC requirements.
20. Partner with Ops and Trainers to eliminate process gaps.
21. Collaborate with US stakeholders, compliance teams, and internal leadership to review quality performance.
22. Participate in client calibration calls, offshore‑onsite alignment discussions, and audit reviews.
23. Ensure timely resolution of escalations.
24. Present quality insights and recommendations to leadership.
25. Track and publish key quality KPIs:
26. Accuracy %
27. Critical error rate
28. SLA adherence
29. Turnaround time defects
30. Audit exceptions trend
31. Develop and maintain quality dashboards and MIS.
32. Forecast quality risks and propose mitigation plans.

Eligibility Criteria:

1. Education – Graduates ( Pursuing graduation / undergraduate with strong interpersonal skills )
2. 4–7 years of US mortgage experience with at least 2 years in HELOC quality or audit function.
3. Strong knowledge of US HELOC Processing, Underwriting, and Closing workflows.
4. Deep understanding of compliance & regulatory requirements (TILA, RESPA, ECOA).
5. Expertise in reviewing credit, income, title, and closing package documents.
6. Experience using LOS systems (Encompass, Empower, Fusion, MSP).
7. Strong analytical and documentation skills.
8. Ability to coach, mentor, and influence teams.
9. Strong communication and stakeholder‑handling skills.
10. High attention to detail and risk awareness.