Manage file flow and act as an advocate from doc draw through loan funding.
Use extensive knowledge of mortgage loan products, loan documents, loan funding requirements and escrow/title practices, as well as regulatory compliance laws as they apply to mortgage lending transactions to deliver a quality product.
Ensure the accuracy and timeliness of loan documents.
Effectively communicate status and expectations to internal staff, loan originators, escrow/title.
Ensure data integrity by reviewing loan data in Encompass.
Analyze credit package/loan docs for accuracy.
Review loan for compliance with RESPA, RESPA tolerances, TILA and MDIA.
Maintain detailed notes in the Encompass conversation log.
Provide feedback to management on suggested policy changes and/or enhancements.
Maintains a high level of customer service with quick response times and accurate information (both internally and externally).
Performs other duties as assigned, including assisting other team members and management as needed.
Maintains a high degree of confidentiality.
Knowledge of FHA, VA, and Conventional Guidelines.
Must be TRID compliant.
Strong verbal & written communications skills.
Strong problem-solving skills.
Excellent interpersonal, customer service and organizational skills. High-level math aptitude.
Ability to move between tasks quickly is preferred; being able to respond to pressure situations easily and work productively in a fast-paced, sometimes stressful environment.
Knowledge of FHA, VA, and Conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements and escrow/title practices, as well as regulatory compliance laws as they apply to mortgage transactions.
Superior knowledge of personal computers and applicable software. (Microsoft Office, Microsoft Outlook, Encompass, Loan Prospector, Desktop Underwriter, DocMagic)
Knowledge of RESPA, TILA, HVCC/AIR, MDIA, Regulatory Compliance and legal requirements.