Mortgage Condo Advisor

Mortgage Condo Advisor

This is a(n) In Office Position

If you like to work with people in a family atmosphere, enjoy great benefits and provide a high level of service that makes each mortgage run smoothly, consider a career with Bell Bank's mortgage team.

Company Information:

Bell Bank Mortgage is backed by the financial strength of one of the nation's largest independently owned banks. Founded in 1966 in Fargo, North Dakota, Bell Bank has more than $10 billion in assets and full-service banking locations in Arizona, Minnesota and North Dakota. Bell has empowered more than $25 million in charitable giving through its unique Pay It Forward initiative, through which every employee chooses each year how to help individuals, families and organizations in need.

Originally founded in 1880 by early Minneapolis civic leader David C. Bell, Bell's mortgage division today has thousands of family mortgages to its name. Bell Bank Mortgage has been in Arizona since 1997 and is actively expanding, most recently opening locations in New Mexico and several other regional offices.

Bell Bank has been recognized as a top bank and a top financial workplace by American Banker, Forbes and Fortune, and has been named among America's top mortgage employers by National Mortgage Professional magazine.

If you want to work for a strong, growing, forward-looking organization with world-class employees, this is the place for you.

Bell's Values:

As stewards, dedicated to the growth and reputation of this independently owned organization, we are committed to:

• Promoting and sustaining our family atmosphere.
• Providing unequaled personal service to each and every customer.
• “Paying it forward” by giving back to the communities we serve.

Our Bottom Line:

Happy Employees! Happy Customers!

Job Summary:

This position completes conventional, jumbo and/or government condo reviews and escalations. Determines HOA eligibility based on review of condo documents and questionnaires. Makes decisions based on guidance from FNMA/FHLMC/FHA, or investor. Responsible for submitting documentation to FNMA, FHA, VA & Investors when additional review is required. Will utilize FNMA CPM for lender reviewed approved full review types.

When additional time allows this position will support Underwriting Management & Underwriting Assistants with reporting, file assignments and overflowing files as needed. This position will also counsel production and processing staff on current and proposed condo review submissions, providing a high level of customer service.

Primary Duties:

• Complete comprehensive review of condo documentation package, including questionnaire, budget, insurance, reserve study, meeting minutes and appraisal to determine condo eligibility.
• Responsible for keeping the Bell Bank Ineligible Condo list up to date.
• Required to input full condo reviews in FNMA CPM and submit additional documentation to the agencies when required.
• Primary contact for condo escalations from Underwriting, Processing and Sales.
• Submit condo escalations to investors, FHA, VA and FNMA.
• Respond to all agency, investor and internal condo project review audits to defend and support decisions for current and aged loan files.
• Work with Bell production staff to explain agency/investor guidelines when discussing or reviewing condo projects and scenario questions.
• Complete all condo and underwriting reviews in a timely manner to meet proposed closing schedules and turn-time expectations.
• Know by name and face as many customers and employees as possible, calling them by name as often as possible.
• Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
• Know, understand, and live the company values and bottom line.
• Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
• All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
• Prompt and reliable attendance.
• Perform other duties as assigned.

Job Skills Required:

• Thorough understanding of the various condo review types (New Construction, Established, Streamline/Limited Reviews, Reviews for detached condos, 2 – 4 unit projects, FNMA CPM, FHA SUA & VA)
• Proficient knowledge of industry standard computer programs.
• Thorough understanding of all agency and investor condo policies.
• Ability to review condo projects and insurance per agency and investor policies.
• Ability to work efficiently and effectively under deadlines and stress while maintaining a professional and mature profile.
• Ability to effectively communicate with coworkers and managers, verbally and in writing via advanced telephone and email skills, as well as in person.
• Ability to work well with people with diverse personalities.
• Ability to manage multiple tasks and deadlines simultaneously.
• Excellent written and verbal communication skill to provide exceptional customer service

Bell Bank provides competitive compensation and an excellent benefits package.

Bell Bank

Equal Opportunity Employer