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Mortgage

Mortgage Processor to 70k plus

JOB ID:3107
LOCATION
remote
DATE POSTED
09/15/2020
DESCRIPTION

Responsible for the timely processing of all mortgage loan applications received through multiple loan channels (Retail Direct and Wholesale) in compliance with Federal, State and Local Regulatory Requirements, within established timelines to meet loan closing deadlines.

Effectively manage pipeline and workflow to meet established goals, making observations and recommendations for process improvement and efficiencies to provide the highest level of member service.
Prioritize loan files to meet all individual loan timelines including commitments, mortgage contingency dates, close dates, and rate locks.
Generate Loan Estimates on a timely basis to meet Regulatory requirements including 3-day disclosure requirement.
Accurately Calculate FNMA LLPA's.
Order services through 3rd parties including credit reports, flood certs, appraisals and settlement and title services.
Collect and review all loan documents to satisfy loan conditions, preparing file for underwriting, ensuring documentation is in order, accurate and complete prior to advancing to Underwriter for review. Note: Reviewing loan file requires working knowledge and understanding of loan applications, credit report, asset statements (including sourcing large deposits and EMD's), income docs (including paystubs, W-2's, tax returns), appraisals, title work, etc...and the ability to identify possible deficiencies in file, including possible fraud/risk and ask appropriate questions, obtain clarifications and/or updated docs as needed.
Perform File Maintenance, Compliance and QC tasks including but not limited to: Issuing 21-day letters, ensuring accuracy and completeness of HMDA data, performing Pre-Closing QC.
Requirements
Minimum 3-5 years current Conventional Mortgage Loan Processing experience.
Processing loans through Encompass LOS experience strongly preferred.
Ability to multi-task and process high loan volume in fast-pased system & technology-based environment; encouraging and cultivating continuous process improvement.
In-depth understanding of current Regulatory Requirements relative to TRID, as well other State and Federal Regulatory requirements.
Must have experience generating Loan Estimates (LE's).
Working knowledge and understanding of Fannie Mae Guidelines and AUS.

Strong attention to detail is key!


Please attach your resume (Accepted formats: doc, docx, rtf, txt)

Mortgage Closing Team Lead to 75k plus

JOB ID:3106
LOCATION
remote
DATE POSTED
09/15/2020
DESCRIPTION

Description
This position is responsible for the oversight and leadership of the Real Estate Lending Closing staff and operations, including the continued development of the processes, policies and procedures of the Closing Department. Handles administration of the primary inbox dedicated to the Closing department. This position will work closely with the Operations Manager of RE Lending to ensure the Closing team is maintaining regulatory compliance and achieving departmental performance goals.

Oversee day to day activities of the Mortgage Closing team with direct supervision of the closing team members in conjunction with the Operations Manager.
Coordinate timely closing of mortgage loan applications.
Ensure all post-closing file documentation is accurate and maintained in accordance with established credit union & secondary market investor specifications and policies.
Provide follow-up for closing documents with appropriate vendors or third parties to ensure proper completion of mortgage loan files.
Maintain accurate & timely follow-up for incomplete loan files.
Monitor trends relating to the closing document preparation and closing stages of transactions within the department and make recommendations, or implement changes, to improve the productivity, efficiency or quality of workflow
Requirements
One year of First &/or Second mortgage closing experience in a financial institution or mortgage banking operation.
Knowledge of Residential Mortgage Regulations, including TRID requirements.
Knowledge of regulations governing real estate, Fannie Mae/secondary market underwriting guidelines & eligibility requirements.


Please attach your resume (Accepted formats: doc, docx, rtf, txt)

Mortgage QA Manager to 95k plus

JOB ID:3105
LOCATION
remote
DATE POSTED
09/15/2020
DESCRIPTION

Responsible for conducting reviews, performing risk assessments, coordinating with management to keep staff apprised of regulatory changes. Coordinating with compliance, providing advice on regulatory requirements and controls, contributing to updating Credit Union policies, and support training efforts, as needed. Under the direction of the Real Estate Lending, Closing and Servicing management, assists with periodic testing/monitoring of compliance with laws, regulations and operational areas primarily pertaining to residential lending. Aids in the development, enhancement and execution of monitoring and testing programs for compliance processes, procedures and controls. Develop corrective action plans, which include policies and procedures, to minimize violations and prevent systemic compliance issues. Support business line management on a day-to-day basis by answering questions and conducting necessary research on current business and proposed projects. Assists management in the proper resolution of any noted deficiencies discovered in connection with reviews, monitoring, and testing, conducted by external entities including, but not limited to internal and/or external auditors, NCUA, Fannie Mae, regulators (Consumer Financial Protection Bureau, etc.), and other third parties.

Compliance Resource - Provides day to day compliance advice related to mortgage loan origination including, RESPA, TILA, ECOA, SCRA, UDAAP, HMDA, State and Fannie Mae Guidelines.
Regulatory Change - Monitors and analyzes for regulatory changes related to mortgage origination. Assists in the implementation of such changes.
Fair Lending - Utilizes necessary tools to analyze data to uncover and document any disparities compared to CU peers, identify compliance outliers and develop reporting structure to RE Lending Management.
External Reviews and Regulatory Examinations – Assists in the management of external compliance reviews and regulatory examinations.
Change Control - Provides QA and compliance guidance with regard to new and modified products and services, changes in policies and procedures, revisions to disclosures and account agreements, and changes to systems or operations.
Audit Reviews - Conducts data and documentation reviews, prepare audit documentation and conclusions, discuss potential issues with department managers and prepare audit finding to RE Lending Management.
Quality Control – Underwriting - Performs Pre-Funding and Post- Closing quality control (QC) file reviews to ensure compliance with secondary market guidelines and federal/state regulations.
Requirements
Four-year business-related degree. Equivalent experience may be substitute for degree.
Minimum 5-7 years of experience in residential mortgage banking compliance or operations, including an understanding of the responsibilities of each department in a mortgage banking operation.


Please attach your resume (Accepted formats: doc, docx, rtf, txt)

Senior Mortgage Underwriter

JOB ID:3104
LOCATION
remote
DATE POSTED
09/15/2020
DESCRIPTION

The Conventional Underwriter’s primary responsibility is to have a complete working knowledge of agency, non-agency guidelines as well as company guidelines and procedures required to complete a review of specific mortgage transactions and provide dispositions on each loan according to the guidelines. The underwriter is expected to provide a high level of customer service to internal company employees to resolve issues and concerns related to mortgage transactions. The position reports to the AVP/Underwriting.
TASKS:

• Remain current on all company policies.
• Remain current on all agency and investor’s guidelines.
• Remain current on federal and state regulations related to mortgage lending.
• Assess and analyze loan transactions/files and qualify based on product prescribed guidelines.
• Review credit reports, employment verifications, paystubs, tax returns, bank statements, divorce decrees, and any other personal documents related to credit, income and assets.
• Review collateral related documentation such as appraisals, title commitments, sales contracts, flood zone certificates and other real estate related documents.
• Validate the authenticity and integrity of documents provided.
• Communicate loan decisions.
• Underwrite and submit mortgage loan files to investors, clear conditions and clear post purchase conditions.
• Perform other tasks and projects as needed.
• Meet Underwriting metrics, including customer service levels, quality of loans and expected turn-times.
• Duties as set forth in the company’s policies and procedures.
• Risk management accountability
Salary level to 90k plus incentives


Please attach your resume (Accepted formats: doc, docx, rtf, txt)

Reverse Mortgage Underwriter

JOB ID:3103
LOCATION
remote
DATE POSTED
09/15/2020
DESCRIPTION

Description: Reverse Mortgage Underwriter

If you’re looking for a rewarding career in the mortgage industry with one of the nation’s top lenders, we may have the perfect opportunity for you.
Job Description
Underwrite reverse mortgage loan applications and evaluates loans in accordance with FHA guidelines for Financial Assessment and Minimum Property Standards, and to minimize risk or loss.
Underwriter responsible for review of credit package, appraisal & title reports.
Pre-Qualification Underwrite – Underwrite and decision loans subject to satisfactory title & appraisal reports
Assist with coverage when another Underwriter is out of office
Qualifications
Looking for a candidate with 4-6 years of Reverse mortgage underwriting experience. Relies on experience and good judgment to plan and accomplish goals, and can perform a variety of tasks.
Additional Information
• Full benefits
• 401(k) with company match.
• Paid time off.
• Potential growth within a growing organization. We promote from within
• Working in a growing and dynamic industry
Comp is extremely competitive DOE...with possible sign on bonus


Please attach your resume (Accepted formats: doc, docx, rtf, txt)
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