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Loan Quality Analyst Jobs (NOW HIRING)

Foothills Bank

Loan Quality Review Specialist

Phoenix, AZ · On-site

$56K - $71K/yr

POSITION SUMMARY The Loan Quality Review Specialist will provide oversight for the commercial loan ... Ability to fully understand, analyze and structure various types of commercial loan requests

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How much do loan quality analyst jobs pay per hour?

As of Aug 28, 2026, the average hourly pay for loan quality analyst in the United States is $32.41, according to ZipRecruiter salary data. Most workers in this role earn between $24.28 and $37.02 per hour, depending on experience, location, and employer.

What is a loan quality analyst?

Loan Quality Analysts are professionals who review and assess the quality of loan files to ensure they comply with regulatory requirements, company policies, and industry standards. They analyze documentation, verify borrower information, and identify errors or inconsistencies in loan applications. Their role is crucial in minimizing financial risk and maintaining the integrity of a lending institution’s portfolio. Loan Quality Analysts also provide feedback to loan officers and may recommend process improvements based on their findings.

What are the key skills and qualifications needed to thrive as a loan quality analyst?

To thrive as a Loan Quality Analyst, you need a solid understanding of loan processing, compliance regulations, and risk assessment, often supported by a degree in finance or a related field. Familiarity with loan origination systems (LOS), data analysis tools like Excel, and knowledge of regulatory guidelines such as CFPB or FHA standards are crucial. Strong analytical thinking, attention to detail, and effective communication skills distinguish top performers in this role. These skills ensure accurate loan reviews, regulatory compliance, and reduced risk for financial institutions.

What are some common challenges faced by loan quality analysts when evaluating loan files, and how can these be addressed?

Loan Quality Analysts often encounter challenges such as incomplete documentation, discrepancies in borrower information, and evolving regulatory requirements. Addressing these issues requires strong attention to detail, effective communication with loan officers and underwriters, and staying updated on industry regulations. Proactively collaborating with team members and using automated quality control tools can help streamline the review process and minimize errors, ensuring compliance and high-quality loan portfolios.

What is the difference between Loan Quality Analyst vs Loan Underwriter?

AspectLoan Quality AnalystLoan Underwriter
Primary RoleReviews loan files for compliance and quality controlEvaluates loan applications to determine approval or denial
CredentialsTypically requires a mortgage or finance certificationOften requires similar certifications, such as MLO license
Work EnvironmentQuality control departments, compliance teamsLoan processing and approval teams
Industry UsageUsed across mortgage lenders, banks, and credit unionsCommonly employed in mortgage lending institutions

The main difference is that Loan Quality Analysts focus on reviewing and ensuring the quality and compliance of loans post-application, while Loan Underwriters assess and approve or deny loan applications during the initial evaluation process.

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Loan Quality Analyst jobs near you
Infographic showing various Loan Quality Analyst job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 81% Full Time, 13% Part Time, 4% Contract, and 1% Nights. Highlights an 86% Physical, 2% Hybrid, and 12% Remote job distribution, with an average salary of $67,422 per year, or $32.4 per hour.

Loan Quality Analyst

Louisville, KY • On-site

Stock Yards Bank and Trust
501 - 1,000 employees

8.8

Company rating: 8.8 out of 10

Based on 7 frontline employees who took The Breakroom Quiz

16th of 172 rated banks

Great coworkers

People enjoy working here

Good employer

Learn more about Stock Yards Bank and Trustexternal

Full-time

Medical, Dental, Vision, Life, Retirement

This job post has expired today. Applications are no longer accepted.

Job description

Stock Yards Bancorp, Inc. (NASDAQ: SYBT), parent company of Stock Yards Bank & Trust Company, with offices in Louisville, Central, Eastern and Northern Kentucky, as well as the Indianapolis, Indiana and Cincinnati, Ohio metropolitan markets.
Job Title: Loan Quality Analyst
FLSA Status: Exempt
Department: Loan Operations
Hours of Operation: 8:00am-5:00pm Monday-Friday
General Job Summary:
The Loan Quality Analyst supports the Loan Quality Assurance Manager in strengthening the integrity of the lending process by ensuring accuracy, regulatory compliance, and adherence to internal policies across the full loan lifecycle. The analyst is a core execution partner to the Manager in preventing and detecting defects within Loan Operations and in reducing the bank's reliance on downstream compliance and audit remediation.
The analyst performs both real time and post completion quality reviews. In a real time capacity, the analyst executes control functions prior to funding and booking to confirm that loans meet all applicable standards and requirements, so that issues are identified and resolved early. In a post completion capacity, the analyst performs file reviews and ongoing monitoring to validate processes, assess adherence to procedures, and identify gaps or control breakdowns.
The analyst contributes to root cause analysis, sustainable corrective actions, continuous improvement, and subject matter support on regulatory and internal policy expectations.
Organizational Duties and Responsibilities:
  • Supports the mission, vision and philosophy of the Bank. Complies willingly with all organizational policies and procedures.
  • Supports all functions that maintain compliance with regulatory agencies.

Essential Duties and Responsibilities:
Real Time (Pre Funding and Pre Booking) Quality Activities
  • Execute prefunding and prebooking control checks on assigned loan populations to confirm accuracy, completeness, regulatory compliance, and adherence to Loan Policy prior to funding or booking.
  • Escalate exceptions promptly to the originating department Manager
  • Document real time findings, resolutions, and defect trends in the program's system of record to support the Manager's reporting and analytics.

Post Completion Reviews and Ongoing Monitoring
  • Execute post close file reviews, targeted control testing in accordance with the annual monitoring plan owned by the Manager.
  • Validate adherence to Loan Policy, SOX controls, and applicable regulations including HMDA, TRID, Flood, Reg B, Reg Z, and Reg O.

Root Cause Analysis and Sustainable Remediation
  • Perform root cause analysis on identified defects and control failures.
  • Recommend sustainable corrective actions that address the underlying cause rather than the individual exception.
  • Support the Manager in validating remediation effectiveness and contributing to the CCIR process where findings are reportable.

Continuous Improvement and Front-Line Control Enhancement
  • Track process changes across Loan Operations and flag changes that alter the control environment or scope of quality activities.
  • Partner with process owners to enhance front line controls, embedding quality earlier in the loan lifecycle and reducing the need for downstream detection.
  • Surface defect themes, control weaknesses, and improvement opportunities to the Manager to inform methodology updates, training design, and staffing decisions.

Other Functions:
Governance, Reporting, and Examination Support
  • Draft written monitoring summaries, findings, and trend analyses suitable for review by the Manager and inclusion in reporting to the Director of Operations and Chief Operations Officer.
  • Prepare workpapers to a defensible standard for internal audit, external audit, and state and federal examinations, including FDIC, Kentucky, Indiana, and Ohio regulatory reviews.
  • Support the Manager during examinations and audits, including preparation of first day letter responses and interview participation as directed.

Cross Functional Collaboration and Culture
  • Model professional objectivity, respectful challenge, and constructive partnership with business, operations, compliance, credit, and audit colleagues.
  • Contribute to a culture of quality, accountability, and compliance throughout Loan Operations, consistent with the Manager's program vision.

Working Conditions:
Office/ cube environment
Minimum Job Requirements:
Education:
Bachelor's degree in business, finance, accounting, or a related discipline preferred. Equivalent combination of education and experience considered at the entry tier.
Experience: Two or more years of banking operations, loan operations, credit, audit, or compliance experience.
Specific Skills: Working knowledge of federal consumer and commercial lending regulations and SOX controls is preferred.
Physical Requirements:
The physical demands described here are representative of those that must be met by an employee in order to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
  • Primarily sedentary work performed in an office environment
  • Ability to sit for extended periods of time while working at a computer
  • Frequent use of hands and fingers to operate a computer, keyboard, mouse, and other office equipment
  • Ability to speak clearly and hear well enough to communicate with clients, team members, and vendors via phone, video, and in person
  • Visual acuity sufficient to read computer screens, printed documents, and financial data
  • Occasional standing, walking, bending, or reaching
  • Ability to lift and carry up to 10-15 pounds occasionally (e.g., files, office supplies)

Benefits:
  • 401(K) with a company match of up to 6%
  • ESOP employer match
  • Medical insurance
  • Dental insurance
  • Vision insurance
  • Cancer/Disease insurance
  • Accident insurance
  • Flexible Spending Accounts
  • Flexible Savings Accounts
  • Health Savings Accounts
  • Bank paid Life/AD&D insurance
  • Voluntary Life/AD&D insurance
  • Bank paid Short-Term and Long-Term Disability insurance
  • Employee Stock Purchase Plan
  • Employee Assistance Program

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