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QA Analyst, Credit Risk
nesto group(e). Review a daily sample of mortgage applications post-funding and pre-funding for compliance with nesto Group policies, underwriting standards, and regulatory requirements .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in mortgage application compliance, risk mitigation, and fraud detection, with strong analytical and communication skills to effectively guide underwriting teams. Proficient in utilizing various tools and technologies to support quality assurance and compliance processes.
Highest-signal resume keywords
Mortgage/Lending Adjudication ExperienceFraud Detection MethodologiesMicrosoft Office ProficiencyBilingual Fluency in English and FrenchSalesforce CRM Experience
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Mortgage Application ComplianceRisk MitigationAnalytical ThinkingProblem-SolvingQuality Assurance Reporting
Soft Skills
Negotiation SkillsIndependent OperationEffective CommunicationPrioritization Skills
Tools & Technologies
Microsoft ExcelMicrosoft WordSharePointGoogle DriveGoogle SheetsGoogle DocsSalesforce
Industry Keywords
Underwriting StandardsRegulatory RequirementsAML ListsBroker ChannelInsurer Guidelines
About the role
Key responsibilities & impact- Review a daily sample of mortgage applications post-funding and pre-funding for compliance with nesto Group policies, underwriting standards, and regulatory requirements
- Assess file data, financial documents, client information, broker and insurer transmissions, and legal documentation to identify policy deviations
- Identify unusual behavior patterns, suspicious transactions, and documentation validity through insurer “Heads-Up Files” and internal referrals
- Conduct preliminary investigations and take necessary action on suspect files to mitigate misrepresentation risk and loss
- Prepare QA reports with findings and recommendations on suspicious or irregular activity files
- Perform additional analysis as directed by Risk or QA Management
- Support audits with partners, investors, and insurers from preparation through resolution of audit findings
- Assist with management, periodic control, and review of approved lists for appraisers, solicitors, brokers, vendors, and AML lists
- Execute QA/QC reviews regularly, promptly, efficiently, and objectively
- Provide guidance, opinions, and recommendations to underwriting staff and stakeholders on credit issues, loss mitigation, flood/property risk, and training opportunities
Requirements
What you’ll need- Minimum 3–5 years of mortgage/lending adjudication experience
- Experience in the mortgage broker channel is preferred
- Proficiency with Microsoft Office (Excel, Word, SharePoint)
- Proficiency with Google Workspace (Google Drive, Sheets, Docs)
- Proficiency with CRMs and workflow tools, including Salesforce
- Strong understanding of insurer, internal, and external guidelines
- Working knowledge of fraud implications, detection methodologies, and risk mitigation
- Analytical thinking and well-developed negotiation and problem-solving skills
- Ability to operate independently with limited supervision
- Ability to prioritize urgent applications
- Ability to make unpopular recommendations when required
- Bilingual fluency in English and French is required
- Ability to effectively communicate findings to management and underwriting teams
Benefits
Comp & perks- Competitive compensation
- Performance incentives (where applicable)
- Comprehensive medical, dental, and vision coverage
- Health & Wellness Spending Accounts (where applicable)
- Telemedicine
- Employee Assistance Programs
- Mental health support for you and your family
- Generous vacation (4 weeks)
- Floater days
- Statutory holidays
- RRSP matching
- Enhanced maternity and parental leave top-up programs
- Education assistance
- Mentorship
- Training
- Opportunities to build your career across nesto Group
- Modern technology, collaborative teams, and the resources you need to succeed