EMPLOYMENT
Recruiting
UNDERWRITING:
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- Compiles, analyzes and documents loan data, credit risk, borrower and property information.
- Determines decisions/negotiates loan provisions
- Reviews financial statements, credit reports, and applicable ratios (i.e. debt ratios, loan-to-value)
- Ensures documents are consistent and conform to company and industry guidelines
- Implements fraud detection techniques and performs compliance reviews
ORIGINATOR:
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- Compiles, analyzes and documents loan data, credit risk, borrower and property information.
- Determines decisions/negotiates loan provisions
- Reviews financial statements, credit reports, and applicable ratios (i.e. debt ratios, loan-to-value)
- Ensures documents are consistent and conform to company and industry guidelines
- Implements fraud detection techniques and performs compliance reviews
PROCESSING:
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- Process residential mortgage loans (Conventional, FHA, VA and USDA-Purchases and Refinances)
- Manages a pipeline of loans maintaining a timely and compliant flow of such loans through the process
- Obtain and review required loan documentation and submits complete packages for Underwriting approval
- Communicates with loan officers, buyers, sellers, title companies, builder and agents
- Provides excellent customer service by effectively communicating and cooperating with all internal and external customers
- Monitors and ensures closing dates and company deadlines are met.
- Obtains and verifies that all underwriting conditions are received and cleared by the underwriter and prepares the file for submission to the Closing Department.
- Keeps abreast of changes in policies and procedures, standards and regulations applicable to the company and the mortgage industry. Understands and applies local, state and federal regulations related to processing mortgage loans.
- Complies with all company policies and procedures
- 2 years residential loan processing experience
- Bilingual English/Spanish a plus
CLOSERS:
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Document Review
- Pre-audit for accuracy of loan information
- Use all pertinent documentation in file to ensure consistency (i.e., approval, lock, appraisal, title, etc.)
- Identify correct code to use for specific product
- Verify all fees and credits are accurate based on doc request and compliance with disclosures
- Make all necessary corrections in current LOS systems
- Once final review is complete – email document package link along with any additional required items to be signed at closing with instructions to the closing agent. If sending hardcopy, create shipping receipts & package documents to be sent out via overnight shipping to Escrow, Closing Agent or Attorney
Funding Review
- Review loan documents and complete data input into the funding system in order to balance the wire and send wire to closing agent
- Verify loan documents are signed properly and free of modifications, ensuring that we have received all pertinent documents required in order to authorize disbursement.
- 2 years mortgage closing experience
BRANCH MANAGER
As a Branch Sales Manager, the selected candidate will have the opportunity to interact directly with the executive management team and influence decisions regarding all areas of origination within the organization.
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Job Requirements:
- Minimum 5 years mortgage sales experience
- Must be a licensed MLO with an active NMLS number
- Solid understanding of mortgage industry standards
- Working knowledge of Federal and State guidelines
- Experience using Encompass
- Excellent written and verbal communication skills
- Strong organizational skills
- Excellent customer service skills
Responsibilities include:
- Identifies and recruits new Loan Officers that meet NMLS and company qualifications
- Coaches and directs the Mortgage Loan Originators to achieve required performance levels by establishing a production oriented sales team
- Goal setting - develop and implement sales strategies
- Ensures quality of work completed by the Loan Originators and support staff, meets Company customer service standards and adheres to Federal and State guidelines and regulations, as well as company policies and procedures
- Maintain personal pipeline production
