Description

Join the GEM Mortgage Team!

At Golden Empire Mortgage, we've been a respected leader in the industry for nearly 40 years, guided by our core belief that our borrowers' interests come first. We're dedicated to providing clients with expert financing advice and believe that everyone deserves access to credit.

Our mission is to build long-lasting relationships with borrowers and real estate partners, be an employer of choice with growth opportunities for our team members, and operate as a trustworthy, financially sound enterprise that positively influences our communities.

If you're passionate about making a real difference in people's lives, delivering exceptional service, and growing your career with a company that truly values its people and its purpose, we invite you to explore opportunities with us. Come join GEM Mortgage and help us empower clients and communities!

Job Summary 

Under general supervision and oversight of the President, the VP of Quality Control is responsible for supervising all staff and processes necessary to complete quality control procedures according to federal and agency standards. In addition, the VP of Quality Control will participate in various operational meetings, as needed, to ensure that the QC Department and its needs/functions are represented. The VP of Quality Control authority is subject to and limited by the President and BOD.  

The VP of Quality Control will provide oversight to meet GSE pre and post QC standards, identify and stop potential fraudulent files, and ensure GEM loan production meets and exceeds industry loan quality standards.  

Essential Job Functions 

• Utilize federal and agency guidelines regarding proper mortgage banking quality control procedures to ensure a company’s quality control plan is always in compliance.
• Establish specific testing for pre and post close QC standards utilizing all regulations/guidelines (including RESPA, TILA, Consumer Financial Protection Bureau, FHA, VA, FNMA, FHLMC).
• Staff maintenance and management.
• Create, analyze, and monitor QC management reports to assure proper levels of QC oversight of loan production.
• Attend Corporate Operations Management Group meetings as needed to interface with Operations department heads for communication of changes to improve quality loan production.
• Review and analyze results of all types of quality control audits, performed by the Department, and use the information to identify potential negative trends, concerns, or fraud in loan files. Then report that information to Senior Management.
• Maintain all policies related to Quality Control Department and its processes.
• Issue memos and reports, as needed, to appropriate department, corporate and branch staff.
• The position is based at company headquarters in Bakersfield, California.  

Requirements

Minimum Requirements 

• Bachelor’s degree is preferred or a minimum of five years’ experience in mortgage banking with positions such as underwriting or QC management.
• A minimum of three years of management experience is required.

Abilities Required

• Strong ability to apply critical thinking in analyzing complex loan scenarios and information.  
• Established track record of three years underwriting all types of 1-4 residential loans.
• Skill in preparing detailed reports and working knowledge of industry standards, regulations, and residential loan operations.
• Skill in both verbal and written communication.
• Strong knowledge of federal and agency guidelines regarding proper mortgage banking quality control procedures.
• Strong knowledge of all regulations/guidelines pertaining to mortgage banking interim servicing and customer service (includes RESPA, TILA, Consumer Financial Protection Bureau, FHA, VA, FNMA, FHLMC.
• Skill in managing personnel with varied levels of experience.
   

At-Will Employment

This position is classified as at-will employment in accordance with California law. Employment may be terminated by either the employer or employee at any time, with or without cause or notice, subject to applicable law.

Work Location
This position is based in our Corporate office located at 1200 Discovery Dr, Bakersfield, CA, and eligible for hybrid and remote work arrangements. Regular in-office and/or telework attendance is required during standard business hours.

Equal Opportunity Employer

Golden Empire Mortgage are Equal Opportunity Employers. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate on the basis of race, color, religion, sex (including pregnancy, childbirth, or related medical conditions), gender, gender identity or expression, sexual orientation, marital status, national origin, ancestry, age, physical or mental disability, medical condition, genetic information, military or veteran status, or any other characteristic protected under federal, state, or local law.

Reasonable Accommodations

Golden Empire Mortgage is committed to providing reasonable accommodation for qualified individuals with disabilities during the application or recruitment process. If you need assistance or accommodation, please contact us at HR@gemcorp.com.

California Consumer Privacy Notice

Golden Empire Mortgage, may collect personal information from job applicants for purposes related to employment consideration. We are committed to handling your information in compliance with the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA). To learn more about how we collect, use, and protect your information, please review our Privacy Policy https://gemcorp.com/page/privacy-notice .