Quality Assurance Specialist I

We recognize that in order to meet the needs of our communities, we must represent our communities. Our success relies on creating a culture where we have diverse perspectives and a true sense of belonging. This is a journey, and we pledge to do more than simply check the box.

When you join the Meritrust team, your benefits will include:

• Comprehensive medical insurance plan
• Dental and vision insurance
• Generous paid-time-off
• 12 paid holidays
• Annual bonus (discretionary bonus based on achievement of organizational scorecard results)
• 401(k) plan
• Wellness program
• Tuition assistance
• Employee loan discount
• Employee Assistance Program (EAP)
• Life and disability coverage

What sets working for Meritrust apart?

• Career development and pathing opportunities to move into leadership roles or other lines of business within MCU such as Commercial Lending, Finance, Marketing, Underwriting, Member Solutions, Training, Human Resources, and more.
• Supportive and engaging work environment.
• A wellness and sustainable work culture that puts family, Mother Nature, our community, and your health first.
• A work environment that encourages personal as much as professional growth, teamwork to make the dream work, and treating everyone equally.
• Studies have shown that individuals from marginalized and or historically underrepresented groups may be less likely to apply for jobs unless they meet every one of the qualifications listed. We are most interested in finding the best candidate for the job. We would encourage you to apply for a job at Meritrust Credit Union, even if you don’t meet every one of our qualifications listed.

This role is an in-person role- Monday thru Friday 9am- 5:30pm; hybrid eligible after 90 days from start date. 

The Quality Assurance Specialist I is an entry-level position responsible for performing reviews and audits of loan files, member documentation, and internal records to ensure accuracy, completeness, and compliance with Credit Union policies and applicable federal/state regulations. This role supports risk mitigation efforts by identifying discrepancies, tracking documentation, and assisting with internal quality control processes. Works under close supervision and escalates complex issues as needed. 

ESSENTIAL FUNCTIONS:

• Conducts post-close loan file reviews for consumer loans (e.g., auto loans, share secured, signature, VISA).
• Reviews member account documentation for completeness and compliance.
• Performs basic file audits including:
  • Demographic/account changes
  • Dormant account activity
  • Share dividend adjustments
  • Basic high-risk transaction flags
  • Exception and error reports
• Prepares and maintains quality assurance documentation and reports.
• Supports the investigation of errors or discrepancies in documentation or data entry.
• Provides internal support to staff on routine quality assurance issues.
• Maintains confidentiality and complies with BSA/OFAC/Patriot Act regulations.

EDUCATION/CERTIFICATION:

• High school diploma or equivalent required.
• Coursework in business, finance, or compliance preferred.

REQUIRED KNOWLEDGE:

• Basic knowledge of credit union operations and services.
• Familiarity with regulatory requirements for financial documentation.
• Awareness of data privacy and risk compliance principles.

EXPERIENCE REQUIRED:

• 1–2 years of experience in financial services, clerical support, or document review.
• Experience in a credit union or banking environment is preferred.

HARD/TECHNICAL SKILLS/ABILITIES:

• Proficient in Microsoft Office Suite (Word, Excel, Outlook).
• Accurate data entry and basic document auditing.
• Ability to use core banking or loan origination systems with training.
• Familiar with general office equipment (scanner, phone, calculator).
• Strong attention to detail and ability to follow standard operating procedures.

WORKING CONDITIONS

• Standard office conditions
• Low to moderate noise
• Limited lifting up to 10 lbs.

This description has been reviewed to ensure that only essential functions and basic duties have been included.  Peripheral tasks, only incidentally related to each position, have been excluded.  Essential functions, requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions.  In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive.  Additional functions and requirements may be assigned by supervisors as deemed appropriate. 

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals.  However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

The Credit Union believes that each employee makes a significant contribution to our success.  That contribution should not be limited by the assigned responsibilities.  Therefore, this job description is designed to outline primary duties, qualifications, and job scope, but not limit the incumbent.  It is our expectation that each employee will offer his/her services wherever and whenever necessary to ensure the success of our endeavors.