Home Loan Specialist II

Responsibilities

Kforce has a client that is seeking a Home Loan Specialist II in Saint Louis, MO. Summary: In this role, you will play a crucial role in supporting the validation of income and assets, assisting with escalations, ensuring adherence to service level agreements (SLAs), and contributing to performance metrics. The candidate will work closely with the team to ensure daily operations run smoothly, fostering continuous improvement and efficiency in the department. Duties:

• Review mortgage loan files that have failed guideline checks due to Change in Circumstance (CIC), policy exceptions, or significant data changes after initial approval
• Understand and apply investor guidelines (e.g., Fannie Mae, VA, FHA) related to common changes in loan amount, interest rate, LTV, appraisal value, occupancy, and credit
• Perform thorough reviews of loan data in Encompass, comparing it to AUS (automated underwriting system) findings, credit reports, appraisals, and other relevant documents to identify the root cause of the failure
• Troubleshoot guideline failures by evaluating potential solutions and determining the appropriate course of action
• Communicate effectively with the underwriting and credit policy team to clarify guidelines, discuss potential resolutions, and obtain necessary approvals
• Adhere to service level agreements (SLA) by reviewing documentation and rendering decisions in a timely manner
• Work with team members and leadership to foster a supportive and cooperative work environment; Provide input for process improvements
• Actively seek methods to streamline business processes related to guideline review and data variance resolution
  
  

Requirements

• Bachelor's degree in Business, Finance, or a related field (or equivalent experience)
• Minimum of 1-3 years of experience in mortgage operations or a related financial services role
• Strong analytical skills with a familiarity in reporting tools and data analysis
• Excellent communication and team collaboration abilities
• Ability to assist with escalations and adhere to SLA compliance
• Ability to work effectively in a fast-paced environment with attention to detail and accuracy
  
  

The pay range is the lowest to highest compensation we reasonably in good faith believe we would pay at posting for this role. We may ultimately pay more or less than this range. Employee pay is based on factors like relevant education, qualifications, certifications, experience, skills, seniority, location, performance, union contract and business needs. This range may be modified in the future.

We offer comprehensive benefits including medical/dental/vision insurance, HSA, FSA, 401(k), and life, disability & ADD insurance to eligible employees. Salaried personnel receive paid time off. Hourly employees are not eligible for paid time off unless required by law. Hourly employees on a Service Contract Act project are eligible for paid sick leave.

Note: Pay is not considered compensation until it is earned, vested and determinable. The amount and availability of any compensation remains in Kforce's sole discretion unless and until paid and may be modified in its discretion consistent with the law.

This job is not eligible for bonuses, incentives or commissions.

Kforce is an Equal Opportunity/Affirmative Action Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, pregnancy, sexual orientation, gender identity, national origin, age, protected veteran status, or disability status.

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