Reports To: Marketing Director

FLSA Status: Exempt

Department: Marketing

Summary: Will create fresh, engaging and audience-appropriate messaging. The Copywriter will fulfill content needs across media platforms, print and email advertising, websites, social posts and video scripts. As a regular part of the role, the candidate will support all functional departments, participate in group brainstorming, proofreading and editing content and pitch in on projects outside of normal assignments when needed.

Duties and Responsibilities include the following.

• Draft and edit marketing content, websites, and social media posts.
• Campaign copy (print and digital collateral)
• Research articles and information related to the subject matter to include in web articles.
• Work with the retail team to identify and understand high-level messaging and strategy.
• Writing sales content for a range of platforms.
• Interpreting sales needs into effective advertising messaging.
• Engaging with sales teammates as clientele.
• Brainstorming creative campaigns and fresh ideas with marketing team.
• Managing own projects and deadlines.
• Learning brand voice and application.
• Proofreading and editing own work.
• Submitting work for edit and feedback.
• Keeping up with current communication trends and cultural changes.
• Contributing content to projects outside of normal assignments as needed.

• Performs other related duties as assigned.

Skills:

• Organized and responsible.
• Excellent verbal and written communication.
• Mortgage Industry knowledge.
• Self-motivated.
• Attentive to detail.
• Relationship management skills with management and sales teams.
• Familiarity with financial/mortgage business terminology and features

Education/Experience:

BA Degree in Journalism, Communications, Advertising, Marketing, Finance or similar preferred.

Experienced advertising content writer.

2-5 years of experience working in a company marketing or advertising agency environment.

Experience writing content for Financial, Mortgage, or Insurance industry preferred

Job Title: Mortgage Loan Closer

Reports To: Closing Manager

FLSA Status: Non-Exempt

Department: Closing

Division:

Summary: Mortgage loan closers will prepare closing documents using Ellie Mae e-docs and ensure that the documentation meets compliance standards. Loan closers are responsible for checking the loan application package for completeness and making sure it’s ready for closing.

Duties and Responsibilities include the following. Other duties may be assigned.

1. Verifies accuracy and required legal documentation for each loan application to secure purchase.

2. Reviews preliminary title reports to verify property address, vesting and additional items to order endorsements from title insurance companies.

3. Creates legal documents using specific software and updates programs as needed.

4. Sends out required documents to title companies for signature timely.

5. Reviews all executed legal documents for actual closing of each loan.

6. Ensures documents were correctly endorsed, and that legal documents created by title companies are accurate and executed properly.

7. Ensures all conditions placed upon loan by underwriting are received, correct and approved by the Loan Underwriter.

8. Assembles loan files to be sold to secondary investors according to market standards.

9. Calculates final fees and loan balances for final loan funds.

10. Communicates with title companies, the appropriate Loan Officer and applicants regarding closing dates and fees on an ongoing basis.

11. Register the MIN Number for each loan into the MERS System

12. Order the wire to be received by the title company in a timely manner to coincide with the closing time.

13. Performs other related duties as assigned.

Skills:

Education/Experience:

Degree: High School Diploma or Equivalent. Prior 3-5 years of loan closing experience required.

Job Title: Loan Officer Assistant (LOA)
Reports To: LOA Manager/Branch Manager
FLSA Status: Non-Exempt
Department: LOA
Division:

Summary: Responsible for providing administrative and clerical support to the Mortgage Loan Originator in a timely manner to complete client’s loan application process. The role is within a high-volume production team working to enhance the Mortgage Loan Originators productivity. Coordinates and communicates with the customers, Loan Officers, processing team, and underwriting to ensure the loan application process is smoothly completed with accurate documentation. This is performed by obtaining necessary documents such as asset and income statements, appraisals, home owner insurance, credit reports and title documents. In addition, manage closing dates and other ad-hoc task throughout the loan process. The LOA must have excellent oral and written communication skills.

Duties and Responsibilities include the following.

• Pipeline management; assuming multiple loans in a fast-paced work environment
• Communicate with applicants to obtain all pertinent information (not provided at loan application). This guides clients through the mortgage process ensuring important dates are met.
• Assist with obtaining condo information, Realtor contact information, Attorney fee sheets and insurance binders
• Assist with ordering appraisals and title
• Perform credit and collateral risk analysis to ensure compliance with guidelines.
• After confirming the data, prepare pre-approval letters for customers and/or realtors.
• Assist with the structuring of loans and the calculation of income
• Running loans through various systems for credit and automated underwriting
• Reviewing asset statements, paystubs, tax returns and other documentation provided by borrowers for large deposits, accuracy and to ensure that the documentation is complete
• Draft letter of explanations for the underwriter
• Communicate with processors one all conditions have been met to review loan application and conditions submitted to underwriting
• Prepare preliminary figures for closing disclosures and send to customers with finalized fees prior to final approval
• Track to confirm receipt of Closing Disclosure delivery to borrower
• Work with manager for any rush requests
• Licensed Loan Officer Assistants may speak in pricing questions as well as structuring loans
• Other duties as assigned

Skills:

• Bilingual: English and Spanish
• Encompass 360 Required
• Oral/Written Communication Skills
• Customer Service
• General knowledge of loan products and process
• Organizational skills
• Project Management
• Time Management
• Must be able to multi-task
• Must have strong problem solving and critical thinking skills
• Must show strong initiative
• Good organizational skills, along with substantial knowledge of guidelines and procedures for all types of mortgage loans offered by the bank, are critical.
• Interpersonal skills are critical as this position is customer and Realtor focused and works with other staff within the department.
• This position requires excellent communication skills, as incumbent will have face to face and phone interaction with customers and referral sources, so must be able to communicate with these individuals with respect, courtesy, and appreciation for doing business with the bank

Education/Experience:

Degree: High School Diploma or Equivalent. NMLS Active license is encouraged.

Job Title: Mortgage Funder
Reports To: Closing Manager
FLSA Status: Non-Exempt

Summary: To deliver accurate review of funding documents and issue funding authorization

Duties and Responsibilities include the following.

• Fund Conventional, FHA, and Non-Prime loans.
• Work collaboratively with internal counterparts and third parties to efficiently fund compliant saleable loans.
• Review signed loan documents for accuracy, and compliance.
• Complete a pre-funding reviews on each loan file ensuring that all conditions are met.
• Request wires from warehouse banks and coordinate disbursements from title/escrow.
• Performs other related duties as assigned.

Skills:

Critical thinking and problem-solving skills
Decision-making
Influencing and leading
Negotiation
Adaptability
Planning and organizing
Communication skill
Delegation
Conflict management
Stress tolerance

Education/Experience:

Degree: High School Diploma or Equivalent. Experience preferred.

Job Title: Senior Loan Coordinator
Reports To: Wholesale Operations
FLSA Status: Non-Exempt
Division: Wholesale
Summary: Works closely with underwriters, account executives and broker customers to get approved loans to a clear-to-close status; clear non-credit conditions on approved loan files; completes tasked 3rd party service orders.

Duties and Responsibilities include the following.

• Reviews underwriting conditions as received. Clears non-credit conditions such as: hazard insurance (HO, Flood and HOA, as applicable), title documents (title binder and schedules, ICPL, E&O and survey as applicable), borrower picture identification, LDP/GSA checks and lock confirmations.
• Upload complete file to Investor for pre-closing credit review and communicate needed conditions to underwriter;
• Complete and clear verbal verification of employment for all borrowers within required timeframes
• Monitors and tracks approved pipeline and sends requests/notifications to Broker LO/LOA/processor (as appropriate) concerning required conditions or file errors
• Compliance review of all Loans using Mavent process
• Communication of Mavent Alert or Fail findings to appropriate individual(s), if unable to remedy
• Coordinates initial closing requests and scheduling between broker and NP, Inc. closing department
• Process all required third-party services necessary for forward movement of loan
• Assist on Broker-generated requests related to the underwriting and closing process
• Attend necessary training on changes for knowledge and skills
• Other assigned tasks or responsibilities that may not be delineated above

Qualifications

Knowledge: 3-5 years of mortgage lending experience, preferably at a senior processor or junior underwriter level.

Skills: Strong attention to detail as well as organizational skills is required. Excellent communication, interpersonal, including demonstrated rapport-building, and PC skills are required.

Abilities: Must be able to work independently with frequent interruptions; able to communicate effectively with people at all levels; use typical office equipment; able to comprehend concepts and put them into practical application.

Education: High school diploma or equivalent is required. A combination of experience and education will be considered