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Home Equity Relationship Specialist


Home Equity Relationship Specialist

Home Equity Relationship Specialist

Wellby
Houston, TX

Job details

Job Type


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.

ROLE:

The Home Equity Relationship Specialist role will be making a difference in our members’ lives through their mortgage needs. This is accomplished by providing the highest quality experience for both internal and external members. The Specialist will be responsible for processing Home Equity, Home Improvement, HELOC & Unimproved Property Loan applications.

  • Provide mortgage support for fellow team members and members.

  • Originate, process and close home equity products. Closings are processed through coordination with Solution Center partners for branch in-person closings

  • Prepare closing documents and coordinate branch closing for real estate loans

  • Maintain up to date knowledge of lending compliance requirements and general knowledge of conventional, FHA and government loans available to the consumer

  • Balance mortgage GLs and run end of year analysis

  • Assist members and team members with new and existing real estate loans

  • Responsible for running applications in mortgage program both end of day and end of month; ensure all departments receive proper reports

  • Balance new loans at month’s end, prepare and deliver monthly real estate reports

  • Prepare HELOC and Home Improvement draws

  • Load any applicable loans into HDMA software

  • Ensure all documents filed with the county are filed and tracked

  • Maintain a constant tracking of loan applications received and loans funded

  • Provide mortgage servicer with any necessary inquiries such as VOD’s and account information

  • Research and present mortgage portfolio agreements for signature

  • Assist Title company with payoff requests

  • Process mortgage payoffs and payments

  • Load and maintain escrow tracking for escrowed mortgages

  • Prepare file and gather necessary documents for mortgage files

  • Apply closing funds accurately to mortgage after closing (escrow, interest)

  • Process monthly insurance payments from escrow accounts

  • Run Escrow analysis and pay taxes on escrow accounts

  • Update ARM index

  • Complete quarterly balancing of HDMA report and perform year end HDMA audit

  • Submit HDMA LAR with any correction.

  • Process year-end tax and insurance payments

  • Responsible for monthly PMI payments, monthly analysis audit and the cancellation of any PMI paid under 78%

  • Proactively find ways to support the Mortgage Team’s goals and work collaboratively with fellow team members.

  • Perform all other duties as assigned.

  • Maintains comprehensive knowledge and training of the Bank Secrecy Act, Customer Identification Program, USA Patriot Act, OFAC, Fair Lending, Reg Z.

Requirements:

  • 3-5 Years’ experience in mortgage lending.

  • High School diploma or equivalent required

  • Associate’s/bachelor’s degree in business related field preferred

  • NMLS Required

  • Excellent communication skills and proven effectiveness in presentation skills.

  • Current knowledge of and ability to apply financial service industry standards, laws and regulations.

  • Ability to input data accurately and efficiently into mortgage lending software systems.

  • Working knowledge of accounting and loan processing software.

  • Ability to work under the stress of dealing with a wide range of personalities and monitoring and reviewing the many details of loans and loan packages to ensure completeness, accuracy and funding.

  • Ability to communicate clearly and concisely, to present ideas and to report facts and technical information.

  • Ability to resolve questions and problems on responsibilities as well as manage personal work flow and meet deadlines and production goals.

For all Candidates:

You must complete 12 months in current position (from date of hire or date of placement) before applying to a new internal position (unless you are otherwise identified as a critical need by executive leadership).

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, click here for English / Spanish .

Wellby provides equal opportunity to qualified individuals with disabilities and disabled veterans. If you need a reasonable accommodation, please email Careers@wellbyfinancial.com or call 800-940-0708 for assistance.


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• Post ID: 21628473


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