Schedule: 8a-5p EST

Job Description:

The Mortgage Title Examiner is responsible for processing loan applications. This position may include but is not limited to analyzing the loan applications, assessing creditworthiness and the likelihood that a loan applicant will be able to repay the debt, analyzing the AUS /Guidelines as it pertains to the loan product and sales structure; review title commitments and fees, order subordinations; allocate fees properly in the system.

Based on these assessments, the Mortgage Title Examiner may make mortgage loan recommendations for multiple products; FHA SL and FD, VA FD, and various Conforming Full Document products. The Senior Loan Coordinator is capable of working and maintaining a mixed pipeline as necessary. Mortgage Title Examiner is responsible for processing loan applications.

This position may include but is not limited to analyzing the loan applications, assessing creditworthiness and the likelihood that a loan applicant will be able to repay the debt, analyzing the AUS /Guidelines as it pertains to the loan product and sales structure; review title commitments and fees, order subordinations; allocate fees properly in the system. Based on these assessments, the Senior Loan Coordinator may make mortgage loan recommendations for multiple products; FHA SL and FD, VA FD, and various Conforming Full Document products. The Senior Loan Coordinator is capable of working and maintaining a mixed pipeline as necessary.

Essential Job Functions may include: Excellent customer service. The Mortgage Title Examiner may serve as the initial point of contact setting next level expectations.

Potential duties might include acting as the liaison between the borrower, underwriter and the loan officer. Providing timely periodic updates with status as well as returning all incoming inquiry calls within the pre-determined customer service time frame. Verifies, compiles, and types application information for mortgage loans and or titles: Reviews residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment and marital status.

Recommends that title and loan not meeting standards be restructured or denied.

• Calls specified companies to obtain property abstract, survey, and appraisal.
• Informs supervisor of discrepancies in title or survey.
• Prepares loan application file for underwriting approval.
• Types and mails approval and denial letters to applicants.
• Submits approved mortgage loan file to the Mortgage Loan Closer for settlement.
• Records data on status of loans, including number of new applications and loans approved, canceled, or denied, using computer.
• Maintain regular and punctual attendance

Other Related Duties: Performs other related duties as assigned.

Supervisory Responsibilities: This job has no supervisory responsibilities.

Qualifications: To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

Education and/or Experience: Minimum high school diploma or general education degree (GED) required. Minimum 2 year previous experience in a mortgage processing environment required. Previous experience as a Loan Coordinator required. Must be able to work independently or as part of a team in a high-paced environment. Working knowledge of MS Office skills required. Language Skills: Excellent verbal and written communication skills required. Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Mathematical Skills: Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

Reasoning Ability: Ability to carry out detailed written and/or verbal instructions. Ability to solve problems involving concrete variables in standardized situations. Ability to define problems, collect data, establish facts, and draw valid conclusions.

Certificates, Licenses, Registrations: None required

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 job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to sit and talk or hear. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; and reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds.

Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

Equal Employment Opportunity: Our client is committed to providing equal employment opportunities to all employees and applicants without regard to race, ethnicity, color, sex, marital status, sexual orientation, gender identity or expression, pregnancy, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws. Americans with Disabilities Act Applicants as well as employees who are or become disabled must be able to satisfactorily perform the essential job functions of the position either with or without reasonable accommodation. Applicants as well as employees are encouraged to meet with Human Resources as the organization shall review reasonable accommodations on a case-by-case basis in accordance with applicable law.

Job Responsibilities: The following statements reflect the general duties and responsibilities considered necessary to perform the essential functions of the job and should not be considered as an all-inclusive list of all the work requirements of the position. Our client may change the specific job duties with or without prior notice based on the needs of the organization.

Job Type: Full-time

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Paid time off
• Vision insurance

Schedule:

• Monday to Friday

Application Question(s):

• The required shift for this role is 8a-5p EST M-F. Are you available to work this shift?
• Do you have experience handling files from NY state? If so, how many years of experience do you have working on NY files?

Education:

• High school or equivalent (Required)

Experience:

• Title Processing: 3 years (Required)
• Mortgage: 3 years (Required)
• CEMA: 1 year (Required)

Location:

• New York State (Required)

Work Location: Remote