Loan Disbursement Specialist
Loan specialist job in Houston, TX
Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the "Best Banks to Work For" and as having a top banking team in its list of "The Most Powerful Women in Banking." Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a "local" business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.
With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.
We are currently seeking a Loan Disbursement Specialist to join our Construction Disbursements Team located in downtown Salt Lake City, Utah.
The Construction Disbursement Administration (CDA) group is responsible for managing roughly 200 commercial construction projects simultaneously. We work with multiple departments around the Bancorp to ensure that construction is progressing properly and all agreements within the loan documentation are being followed by all parties. We have currently switched to a new construction monitoring system and are working to streamline and improve our processes in all aspects of construction monitoring. The Salt Lake City group works closely with one another and we maintain a collaborative mentality when monitoring the construction loans assigned to us. We are looking for someone who is willing to work hard and jump in with both feet into our team and help us maintain our high standards of service within the department.
The Disbursement Specialist will:
* Review, analyze and process customer loan draws for commercial and residential construction projects, loan fund disbursements, equity draws, etc., including review of invoices, lien waivers, and budget.
* Prepare payoff quotes, credit bids, default letters and loan modifications.
* Schedule and direct pre-construction discussion with Borrower, Builder, and RM when requested.
* Administer participation loans, coordinate with participating/lead bank(s).
* Order, input, and review inspection reports.
* Updates and maintains various reports and ticklers for loan maintenance.
* Assists with and may serve as liaison with lenders, loan administration, and outside vendors.
* Monitor and may process interest rate changes.
* Review loans for past due status, insurance coverage, tickler exceptions, etc.
* Ensure loan administration is consistent with loan documents, bank and department policies and procedures.
* Other duties as assigned.
Requirements:
* Some experience with commercial, construction or loan servicing process and procedures, loan documentation or processing or other directly related experience.
* Basic knowledge of lending disbursement processes, procedures and loan documentation.
* Basic knowledge of standard construction budget and loan servicing practices and techniques.
* Must have good audit, problem solving, data entry and customer service skills.
* Ability to review and process data per loan documentation.
* Good time management and organizational skills.
* Must be accurate, detail oriented and able to multi-task.
* Good communication skills, both verbal and written.
* Basic knowledge of computer software programs such as word, excel, etc.
* Requires High School Degree or Equivalent
* A combination of education and experience may meet job requirements.
Location:
This position is 5 days in-office and can be filled at our downtown office in any of the following locations:
* Phoenix, AZ
* Irvine, CA
* Houston, TX
* Salt Lake City, UT
Pay range (depending on location and experience): $19-32/hr
Benefits:
* Medical, Dental and Vision Insurance - START DAY ONE!
* Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
* Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
* Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays
* 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
* Mental health benefits including coaching and therapy sessions
* Tuition Reimbursement for qualifying employees
* Employee Ambassador preferred banking products
Apply now if you have a passion for impactful outcomes, enjoy working collaboratively with co-workers, and want to make a difference for the clients and communities we serve.
Loan Disbursement Specialist
Loan specialist job in Houston, TX
Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the "Best Banks to Work For" and as having a top banking team in its list of "The Most Powerful Women in Banking." Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a "local" business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.
With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.
We are currently seeking a Loan Disbursement Specialist to join our Construction Disbursements Team located in downtown Salt Lake City, Utah.
The Construction Disbursement Administration (CDA) group is responsible for managing roughly 200 commercial construction projects simultaneously. We work with multiple departments around the Bancorp to ensure that construction is progressing properly and all agreements within the loan documentation are being followed by all parties. We have currently switched to a new construction monitoring system and are working to streamline and improve our processes in all aspects of construction monitoring. The Salt Lake City group works closely with one another and we maintain a collaborative mentality when monitoring the construction loans assigned to us. We are looking for someone who is willing to work hard and jump in with both feet into our team and help us maintain our high standards of service within the department.
The Disbursement Specialist will:
* Review, analyze and process customer loan draws for commercial and residential construction projects, loan fund disbursements, equity draws, etc., including review of invoices, lien waivers, and budget.
* Prepare payoff quotes, credit bids, default letters and loan modifications.
* Schedule and direct pre-construction discussion with Borrower, Builder, and RM when requested.
* Administer participation loans, coordinate with participating/lead bank(s).
* Order, input, and review inspection reports.
* Updates and maintains various reports and ticklers for loan maintenance.
* Assists with and may serve as liaison with lenders, loan administration, and outside vendors.
* Monitor and may process interest rate changes.
* Review loans for past due status, insurance coverage, tickler exceptions, etc.
* Ensure loan administration is consistent with loan documents, bank and department policies and procedures.
* Other duties as assigned.
Requirements:
* Some experience with commercial, construction or loan servicing process and procedures, loan documentation or processing or other directly related experience.
* Basic knowledge of lending disbursement processes, procedures and loan documentation.
* Basic knowledge of standard construction budget and loan servicing practices and techniques.
* Must have good audit, problem solving, data entry and customer service skills.
* Ability to review and process data per loan documentation.
* Good time management and organizational skills.
* Must be accurate, detail oriented and able to multi-task.
* Good communication skills, both verbal and written.
* Basic knowledge of computer software programs such as word, excel, etc.
* Requires High School Degree or Equivalent
* A combination of education and experience may meet job requirements.
Location:
This position is 5 days in-office and can be filled at our downtown office in any of the following locations:
* Phoenix, AZ
* Irvine, CA
* Houston, TX
* Salt Lake City, UT
Pay range (depending on location and experience): $19-32/hr
Benefits:
* Medical, Dental and Vision Insurance - START DAY ONE!
* Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
* Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
* Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays
* 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
* Mental health benefits including coaching and therapy sessions
* Tuition Reimbursement for qualifying employees
* Employee Ambassador preferred banking products
Apply now if you have a passion for impactful outcomes, enjoy working collaboratively with co-workers, and want to make a difference for the clients and communities we serve.
Loan Disbursement Specialist
Loan specialist job in Houston, TX
Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the "Best Banks to Work For" and as having a top banking team in its list of "The Most Powerful Women in Banking." Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a "local" business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.
With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.
We are currently seeking a Loan Disbursement Specialist to join our Construction Disbursements Team located in downtown Salt Lake City, Utah.
The Construction Disbursement Administration (CDA) group is responsible for managing roughly 200 commercial construction projects simultaneously. We work with multiple departments around the Bancorp to ensure that construction is progressing properly and all agreements within the loan documentation are being followed by all parties. We have currently switched to a new construction monitoring system and are working to streamline and improve our processes in all aspects of construction monitoring. The Salt Lake City group works closely with one another and we maintain a collaborative mentality when monitoring the construction loans assigned to us. We are looking for someone who is willing to work hard and jump in with both feet into our team and help us maintain our high standards of service within the department.
The Disbursement Specialist will:
* Review, analyze and process customer loan draws for commercial and residential construction projects, loan fund disbursements, equity draws, etc., including review of invoices, lien waivers, and budget.
* Prepare payoff quotes, credit bids, default letters and loan modifications.
* Schedule and direct pre-construction discussion with Borrower, Builder, and RM when requested.
* Administer participation loans, coordinate with participating/lead bank(s).
* Order, input, and review inspection reports.
* Updates and maintains various reports and ticklers for loan maintenance.
* Assists with and may serve as liaison with lenders, loan administration, and outside vendors.
* Monitor and may process interest rate changes.
* Review loans for past due status, insurance coverage, tickler exceptions, etc.
* Ensure loan administration is consistent with loan documents, bank and department policies and procedures.
* Other duties as assigned.
Requirements:
* Some experience with commercial, construction or loan servicing process and procedures, loan documentation or processing or other directly related experience.
* Basic knowledge of lending disbursement processes, procedures and loan documentation.
* Basic knowledge of standard construction budget and loan servicing practices and techniques.
* Must have good audit, problem solving, data entry and customer service skills.
* Ability to review and process data per loan documentation.
* Good time management and organizational skills.
* Must be accurate, detail oriented and able to multi-task.
* Good communication skills, both verbal and written.
* Basic knowledge of computer software programs such as word, excel, etc.
* Requires High School Degree or Equivalent
* A combination of education and experience may meet job requirements.
Location:
This position is 5 days in-office and can be filled at our downtown office in any of the following locations:
* Phoenix, AZ
* Irvine, CA
* Houston, TX
* Salt Lake City, UT
Pay range (depending on location and experience): $19-32/hr
Benefits:
* Medical, Dental and Vision Insurance - START DAY ONE!
* Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
* Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
* Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays
* 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
* Mental health benefits including coaching and therapy sessions
* Tuition Reimbursement for qualifying employees
* Employee Ambassador preferred banking products
Apply now if you have a passion for impactful outcomes, enjoy working collaboratively with co-workers, and want to make a difference for the clients and communities we serve.
Loan Processor III
Loan specialist job in Houston, TX
Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm we are dedicated to serving the home owner/buyer. Our goal is to provide affordable home financing for our customers, utilizing the best terms available while providing a level of professionalism and service unsurpassed in the lending industry.
Position Summary
Process and pre-underwrite conventional, FHA, VA and Bond mortgage loans to ensure compliance with Company, secondary market investor, and government agency standards. Achieve production and quality metrics. Liaison between loan officer, borrower, underwriter and funding. Prepare and review loan file to ensure completeness of submission and supporting documents, as well as compliance with underwriting and investor guidelines. Monitor overall loan processing cycle time to ensure the loan closes on time. Communicate and coordinate the resolution of issues that delay loan closing timeline. "Go to" subject matter expert/lead when Supervisor/Lead is not available.
Essential Functions
* The processor is to become the contact for non-licensed activity once the loan is submitted to them.
* Monitor the overall lending process, and identify, resolve, and communicate issues that could impact timely closure of loans.
* Analyze loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds and examine supporting documentation to identify potential fraud or misrepresentation.
* Identify potential issues and communicate to consumer and loan officer.
* Order and review all third-party documentation, including credit checks, title reports, appraisals, tax returns, verifications of employment/assets, etc. to identify and address potential issues.
* Stay current with federal, state regulations, policies and industry trends.
* Check ratios and verify accuracy of AUS findings and program applicability.
* Review and verify documentation integrity to ensure it aligns with findings, completeness and compliance, and submit loan file to underwriting for approval.
* Identify qualifying/program issues prior to submission to Underwriting, and re-structure loan as necessary.
* Provide options within guidelines and makes recommendations if borrowers may qualify for suitable programs.
* Update and verify accuracy of data input into system.
* Verify compliance with Company standards, federal and agency regulations, standards, and guidelines, as well as any applicable state-specific and or local regulations, ordinances, etc.
* Obtain and verify clearance of all underwriting conditions and prepare the file for submission to Closing.
* Order generation of loan documents.
* Coach and provide guidance to less experienced Processors as needed.
* Use and modify templates to compose professional correspondence and emails.
* Provide status updates to Loan Officers and/or borrowers.
Qualifications
* High school diploma or equivalent required; college courses/technical training related to Business, Finance/Accounting, Legal, or related field is preferred.
* Total recent work experience includes five or more years' experience as a Loan Processor, preferably processing conventional and FHA loans along with at least two years of experience processing VA and Bond mortgage loans.
* Ability to build strong relationships with loan officers, production, underwriting, closing and other internal and external partners.
* Expert knowledge of overall mortgage lending internal processes and control, as well as federal, state, and regulatory requirements/guidelines related to consumer mortgage lending for conventional, FHA, VA and Bond mortgage loans.
* Expert knowledge of conventional, FHA, VA and Bond mortgage loans, including various product/program guidelines, necessary conditions for approval, and investor specific guidelines.
* Expert knowledge in new construction documentation and condominium projects.
* Expert knowledge of valid documentation related to processing consumer mortgage applications (e.g., complex tax returns, financial statements and records, verification of income and deposits, etc.).
* Sound judgment, ability to think critically, including the ability to evaluate facts and data to draw conclusions, determine the downstream impact of decisions and associated risks.
* Ability to prioritize multiple tasks in a deadline-driven environment, strong sense of urgency and responsiveness.
* Excellent customer service, interpersonal, verbal and written communication skills
* Intermediate math skills.
* Strong verbal and written communication skills.
* Strong detail orientation and highly organized.
* Prior experience using internal data entry systems, Microsoft Word, Excel and PDF/Document Retention programs.
Supervision
* Depending on experience, supervision is intermittent to infrequent
* Depending on experience moderate to high level of independent judgment and discretion related to area(s) of specialization
* May provide guidance to less experienced team members to resolve/escalate issues of high complexity
* Exercise sound judgment in executing core job responsibilities
* Average monthly pipeline is 14 loans.
* Travel: 0%
Requirements
Physical: Work is primarily sedentary; mobility in an office setting.
Manual Dexterity: Frequent use of computer keyboard and mouse.
Audio/Visual: Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media.
Environmental: Office environment - no substantial exposure to adverse environmental conditions.
Guild offers a pleasant work environment, competitive compensation and excellent benefits package; including medical, dental, vision, life insurance, AD&D, LTD and 401(k) with employer match.
Guild Mortgage Company is an Equal Opportunity Employer.
This position offers eligibility for incentive compensation.
Compensation at Guild is influenced by a wide array of factors including but not limited to local and federal minimum wage requirements, education, level of experience, and applicant's geographical location.
Target Salary: $60,000 - $70,000
Loan Specialist
Loan specialist job in Conroe, TX
Take your career to the next level! In the last few years our goal has been expansion, creating growth opportunities for many of our team members. Not only are we serious about growth, but we are also serious about helping our customers during hard financial times.
We take pride in providing solutions and offering a helping hand, not only to our customers but also to the communities we serve. As we continue to expand and grow into a national leader in consumer financing, we invite you to consider joining our team.
If you're passionate about making a meaningful impact in people's lives and bringing a personal touch to finance, we'd love to have you on board!
Regional Finance is hiring! We are looking for talented and driven individuals to join our team. Take the next step in your career and click that apply button!
Job Intro
The core of an Assistant Manager is being customer oriented. If you are interested in helping others in their time of need, then this is the career you have been looking for!
Why work at Regional?
Regional offers competitive pay! We do our best to show that we value our team members!
You are eligible for a monthly bonus. Who doesn't love a nice cash reward for their hard work?
You will have promotion opportunities. We love to train our Assistant Managers into future Branch Managers!
All full-time team members have access to our medical, dental, vision and 401(k) benefits!
Pays an average of $46,000, this amount can vary based on your location and cost of living adjustments!
Duties and responsibilities
Provide exceptional service to all customers.
Process credit loan applications and use product knowledge to present loan solutions to current and potential customers.
Maintain office cash with accuracy and proper security.
Grow account volume through good judgment and effective customer solicitations in the branch and by telephone.
Minimize delinquent debt through calling customers and collecting on past-due accounts.
Receive, track, and post all payments and fees to customer accounts in compliance with Company Policy.
Transport money and deposits to and from bank.
Other duties as assigned by leadership.
Minimum Qualifications
High School Diploma or Equivalent.
Prior customer service experience in either a sales/retail environment or cash management environment.
Must pass drug screen, criminal and credit background checks.
Valid Driver's License and access to a dependable automobile with liability insurance coverage.
Critical Competencies
Demonstrated passion for customer service.
Excellent written and verbal communication skills.
Customer service minded with a personality that relates well with a broad spectrum of people, including external customers, branch colleagues, and corporate co-workers.
Thrives in a pay for performance atmosphere.
Proven ability to multi-task.
Working conditions
This position works in an office providing consumer loan products in person and over the phone. The typical working hours are 8:30am to 5:30pm Monday through Friday with some Saturdays required. Overtime may be required on an as needed basis and is at the discretion of upper management.
If you are a job applicant who resides in the state of California, please review our California Employee Privacy Policy at the following link: **************************************************************************************************
#RGNL
Regional is an equal opportunity employer and does not discriminate on the basis of race, color, religion, creed, national origin, sex (including pregnancy, childbirth, and related medical conditions), sexual orientation, gender identity, transgender status, age, disability, genetic information, veteran status, uniform service, or any other characteristic protected by applicable law (“Protected Characteristics”). Regional's policy of non-discrimination applies to all phases of the employment process and relationship, including, but not limited to, recruitment and selection; compensation and benefits; professional development and training; promotions and opportunities; transfers; social and recreational programs; layoff; and terminations.
Auto-ApplyMortgage Loan Processor
Loan specialist job in Houston, TX
General
The Mortgage Loan Processor (MLP) is responsible for processing all real estate applications originated by the Mortgage Loan Officers in accordance with internal credit union policies, procedures, and guidelines. Applications include conventional purchase money, refinance, cash-out refinance, home equity and home improvement loans. Most loans are retained in the credit union's portfolio, but others are sold on the secondary market. This is an extensive member service-oriented position with primary responsibilities for the accurate processing, validating information and documentation, and timely closing a mortgage loan file. MLP's must have the ability to maintain effective communication with the member to ensure coordination and exchange of information for accomplishing the closing of the member's real estate loan. This position will also include some crossover into closing, funding, post-closing, and administrative job duties.
Duties & Responsibilities
Have thorough knowledge of first and second mortgage real estate lending practices, including federal regulatory requirements, state regulations and agency requirements.
Have a thorough understanding of conventional and special mortgage loan programs and knowledge of the necessary documentation for processing and obtaining underwriting approval.
Review Desktop Underwriter verification messages/approval conditions. Verify the accuracy and integrity of all loan data entered into the system including but not limited to names, addresses, government monitoring information, loan information (i.e. loan amount, interest, terms, lock-in expiration dates, etc.)
Communicate with members to provide them with an overview of the process and inform the member of information and documentation necessary to process the loan.
Conduct follow-up on outstanding documentation to ensure receipt to keep file on track for a timely closing.
Order from closing document attorney and/or preparing loan closing documents to prepare for loan closings.
Disclose Closing Disclosures within TRID guidelines, validating information, reconcile loan fees and charges with title companies, attorney's offices, appraisers, surveyors, etc., and accurately perform funding transactions to disburse funds to Borrowers and/or title companies.
Maintain quality within the department by following operational policies and procedures, reporting needed changes, and compliance with Federal regulations.
Manage relationships with vendors including title companies, mortgage insurance companies, document attorney, and appraisal management companies.
The MLP is expected to be flexible with respect to duties, scheduling, and periodically completing duties that may be outside their normal job description.
Job Requirements
Must register with the National Mortgage Licensing System
High school graduate with 5 years experience in mortgage lending with at least 2 years as a Mortgage Loan Processor
Strong verbal and written communication skills
Strong organizational and planning skills
Provide friendly, prompt, professional and accurate service and support to all members and associates
Maintain a dependable record of attendance and timeliness. Ability to work evenings and weekends if needed.
Knowledge of software and hardware necessary to conduct business in a credit union environment, including, but not limited to: multiple line telephones, fax machine, voicemail, Outlook based electronic mail and calendars, E-Fax, Windows, Microsoft Office (Word, Excel, and PowerPoint)
Knowledge and familiarity with Calyx loan origination system strongly preferred
Bilingual in Spanish is a plus.
Physical/Mental Requirements Of The Position:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of the job, the employee is regularly required to stand, sit, use hands, reach with hands and arms, kneel, crouch, and talk and hear.
Ability to move and/or lift 10 pounds.
The vision requirements include close vision and ability to adjust focus.
The mental demands include detailed work, reasoning, math, language, written and verbal communications, multiple concurrent tasks.
Auto-ApplyLoan Processor III
Loan specialist job in Houston, TX
Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm we are dedicated to serving the home owner/buyer. Our goal is to provide affordable home financing for our customers, utilizing the best terms available while providing a level of professionalism and service unsurpassed in the lending industry.
Position Summary
Process and pre-underwrite conventional, FHA, VA and Bond mortgage loans to ensure compliance with Company, secondary market investor, and government agency standards. Achieve production and quality metrics. Liaison between loan officer, borrower, underwriter and funding. Prepare and review loan file to ensure completeness of submission and supporting documents, as well as compliance with underwriting and investor guidelines. Monitor overall loan processing cycle time to ensure the loan closes on time. Communicate and coordinate the resolution of issues that delay loan closing timeline. “Go to” subject matter expert/lead when Supervisor/Lead is not available.
Essential Functions
The processor is to become the contact for non-licensed activity once the loan is submitted to them.
Monitor the overall lending process, and identify, resolve, and communicate issues that could impact timely closure of loans.
Analyze loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds and examine supporting documentation to identify potential fraud or misrepresentation.
Identify potential issues and communicate to consumer and loan officer.
Order and review all third-party documentation, including credit checks, title reports, appraisals, tax returns, verifications of employment/assets, etc. to identify and address potential issues.
Stay current with federal, state regulations, policies and industry trends.
Check ratios and verify accuracy of AUS findings and program applicability.
Review and verify documentation integrity to ensure it aligns with findings, completeness and compliance, and submit loan file to underwriting for approval.
Identify qualifying/program issues prior to submission to Underwriting, and re-structure loan as necessary.
Provide options within guidelines and makes recommendations if borrowers may qualify for suitable programs.
Update and verify accuracy of data input into system.
Verify compliance with Company standards, federal and agency regulations, standards, and guidelines, as well as any applicable state-specific and or local regulations, ordinances, etc.
Obtain and verify clearance of all underwriting conditions and prepare the file for submission to Closing.
Order generation of loan documents.
Coach and provide guidance to less experienced Processors as needed.
Use and modify templates to compose professional correspondence and emails.
Provide status updates to Loan Officers and/or borrowers.
Qualifications
High school diploma or equivalent required; college courses/technical training related to Business, Finance/Accounting, Legal, or related field is preferred.
Total recent work experience includes five or more years' experience as a Loan Processor, preferably processing conventional and FHA loans along with at least two years of experience processing VA and Bond mortgage loans.
Ability to build strong relationships with loan officers, production, underwriting, closing and other internal and external partners.
Expert knowledge of overall mortgage lending internal processes and control, as well as federal, state, and regulatory requirements/guidelines related to consumer mortgage lending for conventional, FHA, VA and Bond mortgage loans.
Expert knowledge of conventional, FHA, VA and Bond mortgage loans, including various product/program guidelines, necessary conditions for approval, and investor specific guidelines.
Expert knowledge in new construction documentation and condominium projects.
Expert knowledge of valid documentation related to processing consumer mortgage applications (e.g., complex tax returns, financial statements and records, verification of income and deposits, etc.).
Sound judgment, ability to think critically, including the ability to evaluate facts and data to draw conclusions, determine the downstream impact of decisions and associated risks.
Ability to prioritize multiple tasks in a deadline-driven environment, strong sense of urgency and responsiveness.
Excellent customer service, interpersonal, verbal and written communication skills
Intermediate math skills.
Strong verbal and written communication skills.
Strong detail orientation and highly organized.
Prior experience using internal data entry systems, Microsoft Word, Excel and PDF/Document Retention programs.
Supervision
Depending on experience, supervision is intermittent to infrequent
Depending on experience moderate to high level of independent judgment and discretion related to area(s) of specialization
May provide guidance to less experienced team members to resolve/escalate issues of high complexity
Exercise sound judgment in executing core job responsibilities
Average monthly pipeline is 14 loans.
Travel: 0%
Requirements
Physical: Work is primarily sedentary; mobility in an office setting.
Manual Dexterity: Frequent use of computer keyboard and mouse.
Audio/Visual: Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media.
Environmental: Office environment - no substantial exposure to adverse environmental conditions.
Guild offers a pleasant work environment, competitive compensation and excellent benefits package; including medical, dental, vision, life insurance, AD&D, LTD and 401(k) with employer match.
Guild Mortgage Company is an Equal Opportunity Employer.
This position offers eligibility for incentive compensation.
Compensation at Guild is influenced by a wide array of factors including but not limited to local and federal minimum wage requirements, education, level of experience, and applicant's geographical location.
Target Salary: $60,000 - $70,000
Junior Financial Adviosr
Loan specialist job in Houston, TX
Job Description
This is a full-time sales role!
Are you looking to launch a career that combines professional growth, meaningful impact, and upside earning potential? At New York Life, we're seeking ambitious individuals who are eager to help families and businesses protect their financial futures while building a business of their own.
This opportunity is more than a job; it's the first step in having a lasting career with one of the most trusted names in the financial services industry. If you're motivated, coachable, and ready to step into a role where your success is directly rewarded, we'd love to connect.
At New York Life, you'll have the freedom to grow your career your way, backed by world-class training, professional mentorship, and the strength of a company clients have trusted for over 180 years.
What You'll Gain:
Industry-leading training, mentorship, and development
Clear career paths, including opportunities for leadership
A purpose-driven environment focused on helping others succeed
Benefits:
401(k) and pension plan
Medical, dental, & vision health coverage
Life & disability insurance
Bonuses & incentives
Compensation:
$90,000 - $155,000 at plan earnings
Responsibilities:
Please note that this is a sales position!
Build lasting client relationships by earning trust and delivering value.
Identify financial needs and provide tailored solutions using our range of insurance and planning products.
Prospect and develop new business through networking, referrals, and community engagement.
Educate clients on life insurance, retirement, and wealth preservation strategies.
Commit to ongoing professional development to expand financial knowledge and sharpen client service skills.
Collaborate with team members and mentors to leverage expertise, share best practices, and continuously improve performance.
Demonstrate resilience and a results-driven mindset by setting and achieving personal and professional goals
Qualifications:
Please note that this is a sales position!
Strong desire to help others and make a positive impact.
Enterprising mindset with a drive to achieve results.
Excellent communication and relationship-building skills.
Aspiration to grow into leadership or management roles as your career advances
Self-disciplined, goal-oriented, and resilient.
Commitment to continuous learning and professional development to stay ahead in a dynamic industry.
Ability to thrive both independently and in a collaborative, team-driven environment.
Bilingual skills are a plus.
Previous sales or financial services experience is helpful but not required.
Bachelor's degree preferred, but not required.
Must be willing to obtain a state Life and Health license (training provided).
About Company
Founded in 1845, New York Life is the largest mutual life insurance company in the U.S. and will proudly celebrate its 180th anniversary in 2025.
As a Fortune 100 company, we are recognized for our financial strength, long-term stability, and commitment to client service.
We offer a full suite of life insurance and financial products to help individuals, families, and businesses reach their goals while fostering a collaborative, ethical, and growth-oriented environment for our agents and advisors.
Benefits:
401(k) and pension plan
Medical, dental, & vision health coverage
Life & disability insurance
Bonuses & incentives
Consumer Loan Processor - Main Office
Loan specialist job in Houston, TX
Primary Job Function
In order to help Texas Bay Credit Union (TBCU) stand out as a leading financial institution, the Loan Processor is responsible for efficiently processing loan applications from initial submission to final approval. This position plays a critical role in ensuring loan applications meet necessary requirements and qualified applicants acquire loans in a timely manner.
Essential Duties and Responsibilities
Review loan packages to ensure all necessary documents are included and complete
Provide updates on the status of loan applications and explain loan terms and conditions
Order 3rd party services and collect fees as assigned for each loan product
Prepare and process title documentation for automobile transactions
Prepare and submit consumer real estate initial disclosures and closing documents
Coordinate loan uploading/funding and final disbursement
Examine applications and closing packages to ensure compliance with state, federal and Credit Union regulations and policies
Organize and finalize applicant files before imaging and uploading into repository
Monitor and manage workflow to ensure timely closings
Work closely with underwriters, loan officers, and other team members to facilitate the loan approval process
Act as primary contact for loan documentation related questions for all Credit Union personnel
Stay up to date with ongoing regulations and changes in lending requirements
Identify and resolve issues that may arise during the loan processing phase and address discrepancies or concerns promptly to avoid delays
Assign and prioritize loan files to ensure efficient workflow and timely processing
Assist in special loan/lending related projects as they arise
Other Duties and Responsibilities
Play an active part in helping credit union teams function smoothly and efficiently
Stay alert to potential problems and propose changes to policies and programs
Back-up other coworkers as needed
Perform other duties as assigned or needed
As an employee of a “Essential Business” (as defined by Texas's Executive Order GA 14), employees are expected to continue to report to work as scheduled during state issued emergency declarations.
Comply with all federal, state, and local regulations
Required Knowledge
A high school education or GED
One to three years of similar or related experience
Understanding of different consumer loan types (e.g. personal loans, auto loans, home equity loans)
Awareness of Credit Union-specific policies and procedures
Understanding of end-to-end loan processing workflow, from application to closing.
Completion of required training courses
Proficient in MS Office and computer skills
Required Abilities
Strong organizational skills to manage multiple loan files and meet deadlines
Ability to prioritize tasks and work efficiently
Ability to troubleshoot issues that arise during the loan processing phase
Strong verbal and non-verbal communication skills
Must be self-motivated and a quick learner
Must be able to multitask and work well in a fast-paced environment
Demonstrate all Texas Bay Core Values
Demonstrate the ability to maintain confidentiality and exercise discretion
Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. The employee is regularly required to walk, sit, reach with hands and arms, kneel, talk, hear, and climb stairs. The employee must occasionally lift and/or move 10-15 pounds. This position requires viewing of computer monitor for extended lengths of time and travel to and from all credit union offices.
Disclaimer
The above information on the description has been designed to indicate the general nature and level of work performed by employees within this job. It is not designed to contain or to be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
Auto-ApplyMortgage Loan Processor - Hollywood, Florida
Loan specialist job in Houston, TX
JOB TITLE: Loan Processor
SUMMARY: This position is responsible for obtaining necessary information (i.e., loan applications, credit documents, appraisals, etc.) to process and complete mortgage loan files.
DUTIES AND RESPONSIBILITIES:
Reviews loans in process daily and determines which loans must be processed immediately.
Performs document audit to approve or reject each loan package for funding.
Resolves any exceptions with customer prior to funding.
Administers the timely daily disbursement and receipt of funds.
Enters data from new loan applications and other documents into computer system.
Orders credit reports, appraisals, flood certifications, and title work.
Refers loans that do not meet basic standards to staff underwriter.
Provides follow-up on a consistent basis with originators, borrowers, and agents to complete processing.
Analyzes loan files and submits completed loans for approval.
Responds to inquiries from originators, agents, and borrowers regarding status of loans in process.
Completes loan sheets and conversion logs.
Ensures regulatory compliance.
Creates and maintains loan files.
Processes approval and denial letters.
Maintains status of all files in process and updates as needed.
Keeps abreast of all FHA, VA, and conventional guidelines and changes that may affect loan status.
Completes all required paperwork and forms in a timely and accurate manner; prepares all required reports.
QUALIFICATIONS:
High school diploma or general education degree (GED)
1-2 years of related experience.
Computer skills required: Microsoft Office Suite and Encompass preferred.
COMPETENCIES:
Adaptability - Adapts to changes in the work environment; manages competing demands.
Customer Service - Manages difficult or emotional customer situations; responds promptly to customer needs; solicits customer feedback to improve service; meets commitments.
Ethics - Treats people with respect; keeps commitments.
Interpersonal Skills - Focuses on solving conflict, maintains confidentiality.
Oral Communication - Speaks clearly and persuasively in positive or negative situations; responds well to questions.
Planning/Organizing - Prioritizes and plans work activities; uses time efficiently.
Problem Solving - Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; works well in group problem solving situations.
Written Communication - Writes clearly and informatively.
Disclaimer:
This position description highlights a general description of duties and responsibilities. Employee(s) may be assigned other duties, in addition to or in lieu of those described herein, and any duties are subject to change at any time, according to the needs of the location or Company.
Auto-ApplyMortgage Loan Processor
Loan specialist job in Webster, TX
ProLending Mortgage, LLC. provides Home Loans for Houston and the surrounding areas of Texas. We're committed and dedicated to making your loan process as easy and simple as possible. If you have any questions or you would like to talk to us about your loan or you're pre-qualification, please contact us today. We're here to help and serve you!
Job Description
ProLending Mortgage is currently looking for a reliable Loan Processor to perform appraisals of individual loans in Texas. You will undertake an intermediary role between potential clients and our financial institution. The goal is to help qualified applicants obtain loans in a timely manner and protect our organization's credibility. Loan processor duties and responsibilities will include analysis, appraisal and evaluation of loan applicants, as well as writing and finalizing contracts. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private.
Responsibilities
• Perform initial appraisal of potential borrowers by thoroughly examining their applications
• Assess the credit standings of applicants through background research
• Interview applicants to evaluate their eligibility for loan or mortgage
• Conclude on all applicable financial and non-financial criteria and develop loan repayment plans
• Follow up with clients to clarify important points
• Give the “green light” to eligible candidates and report decisions with sound arguments
• Finalize loan contracts and keep clients informed in rules and obligations
• Remain up to speed regarding lending and other financial services
• Identify customer needs, explore all options and suggest different types of loans
• Cultivate trustworthy referral networks, suggest alternate channels and cross-sell products and services
• Forge trust relationships and enhance customer dedication
• Work within established regulations and adhere to law requirements at all times
Qualifications
Requirements
• Proven working experience in a loan processor role, at least 2 years is preferred.
• Good knowledge of banking computer software and MS Office
• Comprehension of direct/indirect lending procedures
• In-depth understanding of relevant rules and regulations
• Balance between customer satisfaction orientation and a results driven approach
• A degree in finance, economics, or a related field is preferred
Additional Information
All your information will be kept confidential according to EEO guidelines.
Mortgage Modification Specilalist
Loan specialist job in Houston, TX
American Home Saver-TX. Mortgage Assistance
"We Help Make the American Dream an Affordable Reality"
American Home Saver is a Home Mortgage Modification Company that has been in the business of helping homeowners with making the American Dream of Home Ownership an Affordable Reality since 2005. Our experience in processing loan modifications has placed us in the top 1% of modification company's in the nation with a 95% success ratio. Our processing staff are experts in knowing the guidelines for FNMA, FLMC, FHA, VA and CONV modifications to include HAMP and HAUP.
Visit us @ *************************
Job Description
American Home Saver offers the opportunity for you to start a business part-time, while maintaining the security of your full-time job.
Regardless of whether you love what you're doing now, and simply need to earn additional income - or if you want to launch an entire new career - American Home Saver offers you the flexibility to decide what's best for you.
American Home Saver lets you start part-time to earn a second income, or transition to a new full-time career while you keep your current full-time job.
American Home Saver is a company of people helping people.
As a Mortgage Modification Specialist (1099 Independent Contractor) you will be meeting face to face with homeowners that are delinquent on their mortgage and facing foreclosure (received NOD) or imminent default (no lates, but struggling to make their payments) . Your responsibility will be to fully explain how the American Home Saver-Texas Mortgage Assistance Program can help them save their home and get back on their feet. You will collect all documentation required to complete the Home Affordable Modification Program (HAMP) paystubs, mortgage statement, bank statement W-2. We will provided you with a minimum of 5 pre-qualified leads per week, however you are allowed to share our services with anyone that may be in need. There are no territory restrictions.
Qualifications
We are seeking individuals with a background in Home Loan Preservation to work as a independent contractor with our company. The ideal candidate should have a minimum of 1 year's experience working in Home Preservation or Loss Mitigation with Customer interaction. Must have a high school diploma / GED. Pass a criminal background check, have dependable transportation with proof of current liability insurance, access to a computer and a active smart/android cellular phone.
Support: We will provide you with our leading edge web-based technology operating system to give you the tools for success.
Additional information
Additional Information
SALARY:
Commensurate with experience with excellent opportunity for advancement.
Consumer Loan Processor - Main Office
Loan specialist job in Houston, TX
Primary Job Function
In order to help Texas Bay Credit Union (TBCU) stand out as a leading financial institution, the Loan Processor is responsible for efficiently processing loan applications from initial submission to final approval. This position plays a critical role in ensuring loan applications meet necessary requirements and qualified applicants acquire loans in a timely manner.
Essential Duties and Responsibilities
Review loan packages to ensure all necessary documents are included and complete
Provide updates on the status of loan applications and explain loan terms and conditions
Order 3rd party services and collect fees as assigned for each loan product
Prepare and process title documentation for automobile transactions
Prepare and submit consumer real estate initial disclosures and closing documents
Coordinate loan uploading/funding and final disbursement
Examine applications and closing packages to ensure compliance with state, federal and Credit Union regulations and policies
Organize and finalize applicant files before imaging and uploading into repository
Monitor and manage workflow to ensure timely closings
Work closely with underwriters, loan officers, and other team members to facilitate the loan approval process
Act as primary contact for loan documentation related questions for all Credit Union personnel
Stay up to date with ongoing regulations and changes in lending requirements
Identify and resolve issues that may arise during the loan processing phase and address discrepancies or concerns promptly to avoid delays
Assign and prioritize loan files to ensure efficient workflow and timely processing
Assist in special loan/lending related projects as they arise
Other Duties and Responsibilities
Play an active part in helping credit union teams function smoothly and efficiently
Stay alert to potential problems and propose changes to policies and programs
Back-up other coworkers as needed
Perform other duties as assigned or needed
As an employee of a “Essential Business” (as defined by Texas's Executive Order GA 14), employees are expected to continue to report to work as scheduled during state issued emergency declarations.
Comply with all federal, state, and local regulations
Required Knowledge
A high school education or GED
One to three years of similar or related experience
Understanding of different consumer loan types (e.g. personal loans, auto loans, home equity loans)
Awareness of Credit Union-specific policies and procedures
Understanding of end-to-end loan processing workflow, from application to closing.
Completion of required training courses
Proficient in MS Office and computer skills
Required Abilities
Strong organizational skills to manage multiple loan files and meet deadlines
Ability to prioritize tasks and work efficiently
Ability to troubleshoot issues that arise during the loan processing phase
Strong verbal and non-verbal communication skills
Must be self-motivated and a quick learner
Must be able to multitask and work well in a fast-paced environment
Demonstrate all Texas Bay Core Values
Demonstrate the ability to maintain confidentiality and exercise discretion
Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. The employee is regularly required to walk, sit, reach with hands and arms, kneel, talk, hear, and climb stairs. The employee must occasionally lift and/or move 10-15 pounds. This position requires viewing of computer monitor for extended lengths of time and travel to and from all credit union offices.
Disclaimer
The above information on the description has been designed to indicate the general nature and level of work performed by employees within this job. It is not designed to contain or to be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
Auto-ApplyMortgage Loan Processor I/II/III
Loan specialist job in Houston, TX
The purpose of this position is processing residential mortgage loan applications to ensure a smooth mortgage process, and to ensure the accurate and timely processing of the most complicated of residential mortgage loan applications in order that they conform to all regulatory or secondary market requirements. This position may serve as an assistant to an experienced processor, until a level of proficiency is achieved before transitioning to individual assignments for processing and provide initial underwriting decisions within limited parameters and refer to higher authority when required. This position is also responsible for using their expertise to provide guidance and training for other processors.
Responsibilities
Data entry of loan applications to bank's processing system and submission to automated underwriting system.
Communicate with all parties on status of file.
Work with originator and borrower to clear underwriting conditions.
Interpret automated underwriting decisions working with system to obtain best possible outcome for borrower.
Solve file issues and problems within bank guidelines.
Assist experienced processors with routine duties, such as ordering flood certs, ordering appraisals, paying invoices, etc.
Update information from bank statements, paystubs, and appraisal to bank's origination system.
Order and collect documentation necessary to address automated underwriting findings.
Ensure compliance with bank and government regulations
Study the automated findings and UW conditions on files to learn the requirements for loan approvals.
Obtain the knowledge needed to independently submit quality files to underwriting.
Order and collect documentation necessary to address automated underwriting findings.
Proactively anticipate problems and work to solve them.
Train and mentor the Level I and II processors.
Perform additional duties as assigned.
Qualifications
Mortgage Loan Processor I
High School diploma
Related education or processing/ real estate experience within a business, such as a bank, credit union, legal firm, insurance company, title company etc
Knowledge of common computer operations
Excellent organizational skills and attention to detail
Good communication and listening skills
Ability to be teachable and respond positively to coaching and training
Ability to accurately input data with very little margin for error
Ability to learn new processes quickly, retain information, and validate received information as applicable
Ability to read, understand, apply knowledge, and ask for help
Mortgage Loan Processor II
Two (2) to three (3) years of related experience
Knowledge of mortgage investor guidelines
Knowledge of appraisal process
Thorough knowledge of automated underwriting
Knowledge of compliance guidelines
Excellent organizational, communication, and computer skills
Time management and prioritization skills necessary to manage workload
Ability to solve complex loan problems
Ability to manage difficult situations between interested parties in the mortgage transaction
Ability to understand, apply knowledge, and resolve issues that arise between automated underwriting rules and manual underwriting rules
Mortgage Loan Processor III
Three (3) or more years of related experience with definitive evidence of ability to function at elevated capacity
Knowledge and mastery of mortgage investor guidelines and appraisal review process
Mastery of automated underwriting process
Thorough knowledge of compliance guidelines
Ability to train others effectively
Physical Requirements/Working Conditions: Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.
Note: This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.
Auto-ApplyMortgage Servicing Specialist
Loan specialist job in Webster, TX
It's fun to work in a company where people truly BELIEVE in what they're doing!
We're committed to bringing passion and customer focus to the business.
The Mortgage Service Specialist role makes a difference in our members' lives by supporting various aspects of the loan servicing including loan boarding, escrow review, and preparing mortgage files within the lending team. This is accomplished by providing the highest quality experience for both internal and external members.
Principle Duties and Responsibilities
Willingness and ability to exhibit Wellby Core Values every day.
Works with purpose and is driven to provide the best team member experience.
Assist with Team Chats, Phone Calls, etc. with all existing Mortgage Related inquiries.
Review payment options and assist members with setting up automated payments.
Review & Approve Mortgage Wire Requests
Home Equity & 1st Mortgage loan boardings to DMI.
Wire initial escrow funds to DMI.
Wire daily payment funds to DMI.
Process Release of Lien documents
Sort daily mail
File Real Estate Deed of Trusts & Modifications with the appropriate county.
Prepare HELOC and Home Improvement Draws.
Close Internal HELOC's at borrower request.
Assist Title Company with payoff requests.
Prepare original files for in-house storage.
Download Mortgage Servicing File in preparation for DMI.
Pull mortgage files for paid in full loans and mail the Deed of Trust / Note to appropriate party and prepare the remainder of the file for scanning /storage.
Review DMI Loss Mitigation packets & Foreclosure Accounts.
Understand the Secondary Market
Prepare files to send to GSEs.
Create and review Early Payoff reports.
Quality Assurance Checklists to ensure service standards meets contractual and GSE performance metrics.
Performs other duties as assigned.
Knowledge, Skills, and Abilities (KSA)
Knowledge of Wellby's organizational functions, and general operating policies and procedures.
Knowledge of secretarial practices and procedures, business English, spelling, and punctuation.
Knowledge of personal computer, utilizing Microsoft Office Suite.
Skilled in operating computer equipment and general office machines such as personal computers, copiers, projection equipment, audio/video, Microsoft Teams, Zoom Video Communications, and adding machines.
Ability to interpret regulations affecting the Credit Union
Ability to communicate information and ideas so others will understand. Must be able to exchange accurate information in these situations.
Ability to problem solves, investigate complex issues including not limited to property taxes, Insurance, advanced escrow.
Ability to work effectively across organizational departments and functions to achieve strategic goals.
Ability to work in a fast-paced team environment with exceptional customer service skills.
Ability to communicate clearly and concisely, orally and in writing.
Ability to motivate others and to work in a large cross-functional team dynamic.
Ability to efficiently understand and follow oral and written instructions, perform routine duties without close supervision and establish and maintain effective working relationships with other team members.
Ability to coordinate several concurrent activities simultaneously.
Supervisory Responsibilities
Team member does not have supervisory responsibilities.
Complexity & Scope of Work
The team member performs a variety of related tasks which are mostly routine but are sensitive in nature.
Non routine situations or conflicts are usually referred to the supervisor for resolution.
Instructions to the team member may be general or specific in nature.
Courses of action are determined by established procedures and/or the Manager of Loan Servicing
The team member's work is reviewed periodically for accuracy, completion, and compliance with the policies and procedures.
Tasks may occasionally have to be coordinated, integrated, and/or prioritized.
Physical Demands & Work Environment
The physical demands and work environment characteristics described here represent those that must be met by a team member to successfully perform the essential functions of this position. Reasonable accommodations may enable individuals with disabilities to perform essential functions.
To perform this job successfully, the team member is frequently required to remain in a stationary position 50% of the time. Daily movements include sitting; standing, reaching, and grasping, operating computers and other office equipment, moving about the office; and attending possible onsite and offsite meetings. The team member must be able to exchange information, in person, in writing, and via telephone. Some degree of stress results from contact with management and other team members.
The ability to observe details at close range (within a few feet of the observer).
Must be able to occasionally lift items weighing up to 25 pounds across the office and load them onto shelves for various needs.
The noise level in the work environment is usually moderate.
Work involves the typical risks and discomforts associated with an office environment but is usually in an area that is adequately cooled, heated, lighted, and ventilated.
Minimum Qualifications
High School Diploma or equivalent required.
Bachelor's degree preferred.
Minimum one (1) to three (3) years of mortgage servicing experience required.
Possess well-developed professional communication
Position requires a high level of organization, management of multiple tasks, the ability to work in a team, and collaborate with others.
For All Candidates:
This is a Full-Time, Hourly (Non-Exempt) position role.
Wellby is an equal opportunity and affirmative action employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, veteran status or any other legally protected characteristic. If you'd like more information about your EEO rights as an applicant under the law, please contact Human Resources.
Wellby provides equal opportunity to qualified individuals with disabilities and disabled veterans. If you need a reasonable accommodation, please email *************************** or call ************ for assistance.
Disclaimer
The statements herein are intended to describe the general nature and level of work being performed by team members and are not to be construed as an exhaustive list of responsibilities, duties, and skills required of personnel so classified. Furthermore, they do not establish a contract for employment and are subject to change at the discretion of the Company.
Auto-ApplyLoan Specialist
Loan specialist job in Conroe, TX
Take your career to the next level! In the last few years our goal has been expansion, creating growth opportunities for many of our team members. Not only are we serious about growth, but we are also serious about helping our customers during hard financial times.
We take pride in providing solutions and offering a helping hand, not only to our customers but also to the communities we serve. As we continue to expand and grow into a national leader in consumer financing, we invite you to consider joining our team.
If you're passionate about making a meaningful impact in people's lives and bringing a personal touch to finance, we'd love to have you on board!
Regional Finance is hiring! We are looking for talented and driven individuals to join our team. Take the next step in your career and click that apply button!
Job Intro
The core of an Assistant Manager is being customer oriented. If you are interested in helping others in their time of need, then this is the career you have been looking for!
Why work at Regional?
* Regional offers competitive pay! We do our best to show that we value our team members!
* You are eligible for a monthly bonus. Who doesn't love a nice cash reward for their hard work?
* You will have promotion opportunities. We love to train our Assistant Managers into future Branch Managers!
* All full-time team members have access to our medical, dental, vision and 401(k) benefits!
* Pays an average of $46,000, this amount can vary based on your location and cost of living adjustments!
Duties and responsibilities
* Provide exceptional service to all customers.
* Process credit loan applications and use product knowledge to present loan solutions to current and potential customers.
* Maintain office cash with accuracy and proper security.
* Grow account volume through good judgment and effective customer solicitations in the branch and by telephone.
* Minimize delinquent debt through calling customers and collecting on past-due accounts.
* Receive, track, and post all payments and fees to customer accounts in compliance with Company Policy.
* Transport money and deposits to and from bank.
* Other duties as assigned by leadership.
Minimum Qualifications
* High School Diploma or Equivalent.
* Prior customer service experience in either a sales/retail environment or cash management environment.
* Must pass drug screen, criminal and credit background checks.
* Valid Driver's License and access to a dependable automobile with liability insurance coverage.
Critical Competencies
* Demonstrated passion for customer service.
* Excellent written and verbal communication skills.
* Customer service minded with a personality that relates well with a broad spectrum of people, including external customers, branch colleagues, and corporate co-workers.
* Thrives in a pay for performance atmosphere.
* Proven ability to multi-task.
Working conditions
This position works in an office providing consumer loan products in person and over the phone. The typical working hours are 8:30am to 5:30pm Monday through Friday with some Saturdays required. Overtime may be required on an as needed basis and is at the discretion of upper management.
If you are a job applicant who resides in the state of California, please review our California Employee Privacy Policy at the following link: **************************************************************************************************
#RGNL
Regional is an equal opportunity employer and does not discriminate on the basis of race, color, religion, creed, national origin, sex (including pregnancy, childbirth, and related medical conditions), sexual orientation, gender identity, transgender status, age, disability, genetic information, veteran status, uniform service, or any other characteristic protected by applicable law ("Protected Characteristics"). Regional's policy of non-discrimination applies to all phases of the employment process and relationship, including, but not limited to, recruitment and selection; compensation and benefits; professional development and training; promotions and opportunities; transfers; social and recreational programs; layoff; and terminations.
Mortgage Loan Processor
Loan specialist job in Houston, TX
General
The Mortgage Loan Processor (MLP) is responsible for processing all real estate applications originated by the Mortgage Loan Officers in accordance with internal credit union policies, procedures, and guidelines. Applications include conventional purchase money, refinance, cash-out refinance, home equity and home improvement loans. Most loans are retained in the credit union's portfolio, but others are sold on the secondary market. This is an extensive member service-oriented position with primary responsibilities for the accurate processing, validating information and documentation, and timely closing a mortgage loan file. MLP's must have the ability to maintain effective communication with the member to ensure coordination and exchange of information for accomplishing the closing of the member's real estate loan. This position will also include some crossover into closing, funding, post-closing, and administrative job duties.
Duties & Responsibilities
Have thorough knowledge of first and second mortgage real estate lending practices, including federal regulatory requirements, state regulations and agency requirements.
Have a thorough understanding of conventional and special mortgage loan programs and knowledge of the necessary documentation for processing and obtaining underwriting approval.
Review Desktop Underwriter verification messages/approval conditions. Verify the accuracy and integrity of all loan data entered into the system including but not limited to names, addresses, government monitoring information, loan information (i.e. loan amount, interest, terms, lock-in expiration dates, etc.)
Communicate with members to provide them with an overview of the process and inform the member of information and documentation necessary to process the loan.
Conduct follow-up on outstanding documentation to ensure receipt to keep file on track for a timely closing.
Order from closing document attorney and/or preparing loan closing documents to prepare for loan closings.
Disclose Closing Disclosures within TRID guidelines, validating information, reconcile loan fees and charges with title companies, attorney's offices, appraisers, surveyors, etc., and accurately perform funding transactions to disburse funds to Borrowers and/or title companies.
Maintain quality within the department by following operational policies and procedures, reporting needed changes, and compliance with Federal regulations.
Manage relationships with vendors including title companies, mortgage insurance companies, document attorney, and appraisal management companies.
The MLP is expected to be flexible with respect to duties, scheduling, and periodically completing duties that may be outside their normal job description.
Job Requirements
Must register with the National Mortgage Licensing System
High school graduate with 5 years experience in mortgage lending with at least 2 years as a Mortgage Loan Processor
Strong verbal and written communication skills
Strong organizational and planning skills
Provide friendly, prompt, professional and accurate service and support to all members and associates
Maintain a dependable record of attendance and timeliness. Ability to work evenings and weekends if needed.
Knowledge of software and hardware necessary to conduct business in a credit union environment, including, but not limited to: multiple line telephones, fax machine, voicemail, Outlook based electronic mail and calendars, E-Fax, Windows, Microsoft Office (Word, Excel, and PowerPoint)
Knowledge and familiarity with Calyx loan origination system strongly preferred
Bilingual in Spanish is a plus.
Physical/Mental Requirements Of The Position:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of the job, the employee is regularly required to stand, sit, use hands, reach with hands and arms, kneel, crouch, and talk and hear.
Ability to move and/or lift 10 pounds.
The vision requirements include close vision and ability to adjust focus.
The mental demands include detailed work, reasoning, math, language, written and verbal communications, multiple concurrent tasks.
Auto-ApplyConsumer Loan Processor - Main Office
Loan specialist job in Houston, TX
Houston, TX 77034
Primary Job Function
In order to help Texas Bay Credit Union (TBCU) stand out as a leading financial institution, the Loan Processor is responsible for efficiently processing loan applications from initial submission to final approval. This position plays a critical role in ensuring loan applications meet necessary requirements and qualified applicants acquire loans in a timely manner.
Essential Duties and Responsibilities
Review loan packages to ensure all necessary documents are included and complete
Provide updates on the status of loan applications and explain loan terms and conditions
Order 3rd party services and collect fees as assigned for each loan product
Prepare and process title documentation for automobile transactions
Prepare and submit consumer real estate initial disclosures and closing documents
Coordinate loan uploading/funding and final disbursement
Examine applications and closing packages to ensure compliance with state, federal and Credit Union regulations and policies
Organize and finalize applicant files before imaging and uploading into repository
Monitor and manage workflow to ensure timely closings
Work closely with underwriters, loan officers, and other team members to facilitate the loan approval process
Act as primary contact for loan documentation related questions for all Credit Union personnel
Stay up to date with ongoing regulations and changes in lending requirements
Identify and resolve issues that may arise during the loan processing phase and address discrepancies or concerns promptly to avoid delays
Assign and prioritize loan files to ensure efficient workflow and timely processing
Assist in special loan/lending related projects as they arise
Other Duties and Responsibilities
Play an active part in helping credit union teams function smoothly and efficiently
Stay alert to potential problems and propose changes to policies and programs
Back-up other coworkers as needed
Perform other duties as assigned or needed
As an employee of a “Essential Business” (as defined by Texas's Executive Order GA 14), employees are expected to continue to report to work as scheduled during state issued emergency declarations.
Comply with all federal, state, and local regulations
Required Knowledge
A high school education or GED
One to three years of similar or related experience
Understanding of different consumer loan types (e.g. personal loans, auto loans, home equity loans)
Awareness of Credit Union-specific policies and procedures
Understanding of end-to-end loan processing workflow, from application to closing.
Completion of required training courses
Proficient in MS Office and computer skills
Required Abilities
Strong organizational skills to manage multiple loan files and meet deadlines
Ability to prioritize tasks and work efficiently
Ability to troubleshoot issues that arise during the loan processing phase
Strong verbal and non-verbal communication skills
Must be self-motivated and a quick learner
Must be able to multitask and work well in a fast-paced environment
Demonstrate all Texas Bay Core Values
Demonstrate the ability to maintain confidentiality and exercise discretion
Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. The employee is regularly required to walk, sit, reach with hands and arms, kneel, talk, hear, and climb stairs. The employee must occasionally lift and/or move 10-15 pounds. This position requires viewing of computer monitor for extended lengths of time and travel to and from all credit union offices.
Disclaimer
The above information on the description has been designed to indicate the general nature and level of work performed by employees within this job. It is not designed to contain or to be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
Auto-ApplyMortgage Loan Processor
Loan specialist job in Webster, TX
ProLending Mortgage, LLC. provides Home Loans for Houston and the surrounding areas of Texas. We're committed and dedicated to making your loan process as easy and simple as possible. If you have any questions or you would like to talk to us about your loan or you're pre-qualification, please contact us today. We're here to help and serve you!
Job Description
ProLending Mortgage is currently looking for a reliable Loan Processor to perform appraisals of individual loans in Texas. You will undertake an intermediary role between potential clients and our financial institution. The goal is to help qualified applicants obtain loans in a timely manner and protect our organization's credibility. Loan processor duties and responsibilities will include analysis, appraisal and evaluation of loan applicants, as well as writing and finalizing contracts. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private.
Responsibilities
• Perform initial appraisal of potential borrowers by thoroughly examining their applications
• Assess the credit standings of applicants through background research
• Interview applicants to evaluate their eligibility for loan or mortgage
• Conclude on all applicable financial and non-financial criteria and develop loan repayment plans
• Follow up with clients to clarify important points
• Give the “green light” to eligible candidates and report decisions with sound arguments
• Finalize loan contracts and keep clients informed in rules and obligations
• Remain up to speed regarding lending and other financial services
• Identify customer needs, explore all options and suggest different types of loans
• Cultivate trustworthy referral networks, suggest alternate channels and cross-sell products and services
• Forge trust relationships and enhance customer dedication
• Work within established regulations and adhere to law requirements at all times
Qualifications
Requirements
• Proven working experience in a loan processor role, at least 2 years is preferred.
• Good knowledge of banking computer software and MS Office
• Comprehension of direct/indirect lending procedures
• In-depth understanding of relevant rules and regulations
• Balance between customer satisfaction orientation and a results driven approach
• A degree in finance, economics, or a related field is preferred
Additional Information
All your information will be kept confidential according to EEO guidelines.
Mortgage Modification Specilalist
Loan specialist job in Houston, TX
American Home Saver-TX. Mortgage Assistance "We Help Make the American Dream an Affordable Reality" American Home Saver is a Home Mortgage Modification Company that has been in the business of helping homeowners with making the American Dream of Home Ownership an Affordable Reality since 2005. Our experience in processing loan modifications has placed us in the top 1% of modification company's in the nation with a 95% success ratio. Our processing staff are experts in knowing the guidelines for FNMA, FLMC, FHA, VA and CONV modifications to include HAMP and HAUP.
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Job Description
American Home Saver offers the opportunity for you to start a business part-time, while maintaining the security of your full-time job.
Regardless of whether you love what you're doing now, and simply need to earn additional income - or if you want to launch an entire new career - American Home Saver offers you the flexibility to decide what's best for you.
American Home Saver lets you start part-time to earn a second income, or transition to a new full-time career while you keep your current full-time job.
American Home Saver is a company of people helping people.
As a
Mortgage Modification Specialist
(1099 Independent Contractor) you will be meeting face to face with homeowners that are delinquent on their mortgage and facing foreclosure (received NOD) or imminent default (no lates, but struggling to make their payments) . Your responsibility will be to fully explain how the American Home Saver-Texas Mortgage Assistance Program can help them save their home and get back on their feet. You will collect all documentation required to complete the Home Affordable Modification Program (HAMP) paystubs, mortgage statement, bank statement W-2. We will provided you with a minimum of 5 pre-qualified leads per week, however you are allowed to share our services with anyone that may be in need. There are no territory restrictions.
Qualifications
We are seeking individuals with a background in Home Loan Preservation to work as a independent contractor with our company. The ideal candidate should have a minimum of 1 year's experience working in Home Preservation or Loss Mitigation with Customer interaction. Must have a high school diploma / GED. Pass a criminal background check, have dependable transportation with proof of current liability insurance, access to a computer and a active smart/android cellular phone.
Support: We will provide you with our leading edge web-based technology operating system to give you the tools for success.
Additional information
Additional Information
SALARY:
Commensurate with experience with excellent opportunity for advancement.