Analyst - Commercial Quality Control

Position Summary:

The Commercial Quality Control Analyst plays a critical role in ensuring the integrity, compliance, and operational excellence of the commercial lending process. This position is responsible for conducting comprehensive pre- and post-closing reviews of commercial loan files, assessing risk and compliance prior to approval, and ensuring accurate documentation and system setup. The specialist provides detailed reporting on loan quality, underwriting practices, and risk exposure to support informed decision-making by management. Additionally, the role involves monitoring remediation efforts, facilitating training to address quality control gaps, and supporting audit readiness. With a strong focus on accuracy, regulatory compliance, and continuous improvement, this position contributes directly to the overall health and performance of the commercial loan portfolio.

Essential Duties and Responsibilities:

Conducts comprehensive evaluations of financial data sources-including credit bureau reports, income verification, collateral assessments, loan-to-value (LTV) ratios, and debt-to-income (DTI) metrics-to ensure sound underwriting practices and effective risk mitigation.

Generates detailed and actionable reports for senior management, providing insights into loan quality, underwriting trends, and emerging risk factors to support strategic decision-making.

Performs pre-approval compliance and risk assessments on commercial loan applications, meticulously reviewing documentation for regulatory adherence, internal policy compliance, and potential credit risks.

Executes thorough post-closing reviews of commercial loan files to verify conformance with approved terms and ensure alignment with internal policies and regulatory standards.

Prepares and implements minor loan documentation modifications, identifying and correcting inaccuracies to preserve data integrity and compliance.

Reviews post-closing reports to validate accuracy in file structure, tickler system setup, and documentation of policy exceptions; proactively create required ticklers and resolve discrepancies to ensure compliance and operational consistency.

Audits newly onboarded commercial products for accuracy, completeness, and consistency with approved terms and operational requirements.

Designs, recommends, and facilitates training programs to address quality control gaps, improve underwriting accuracy, and promote commercial lending best practices.

Support Commercial Operations Management by compiling and analyzing data for internal and external audits, ensuring audit readiness and transparency.

Leads or contributes to special projects focused on enhancing systems, streamlining workflows, and improving quality assurance protocols to drive operational excellence and innovation.

Minimum Qualifications:

Education:

• Associates degree or an equivalent mix of education and experience is a requirement.

Experience:

• Three years or more of job-related experience with quality control, loan origination/underwriting, and risk management and knowledge of and compliance with Federal small business lending regulations.
• Familiar with commercial loan documentation and processing.

Knowledge, Skills, and Abilities:

• Ability to work both remotely and collaboratively and maintain efficiency in either environment.
• Strong practical knowledge of Commercial Banking products and services, regulatory guidelines, and industry practices.
• Ability to understand and translate complex credit approval packages and interpret complex commercial loan documentation.
• Strong interpersonal written and verbal communication skills and strategic and creative thinking abilities.
• Strong working knowledge of relevant software including Microsoft Office, Word and Excel.
• Ability to identify underlying or hidden problems and patterns and apply creativity and strategic thinking to develop solutions.
• Detail oriented and prioritizes daily workflow to achieve results.
• Assumes responsibility for achieving results.
• Demonstrate strong core values of integrity, inclusion, empathy and accountability.

Physical Demands and Work Environment:

(The physical demands and work environment characteristics described herein are representative of those that must be met by an employee to successfully perform essential functions of this position and/or may be encountered while performing essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• While performing the essential duties of this position, an employee would frequently be required to stand, walk, and sit.
• Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
• The noise level in the work environment is usually moderate.
• Our company offers a dynamic hybrid work arrangement that requires three days of on-site work in the Sugar Land, TX office.

Disclaimer:

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.

Texas Dow Employees Credit Union is an equal opportunity employer, dedicated to a policy of non-discrimination in employment on any basis including race, color, age, protected veteran status, sex, religion, disability, genetic information, national origin or other status protected by federal, state or local law. Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in the application process.