Sales / Branch Manager - Coral Gables, FL
Are you an experienced mortgage professional with guide line review experience, pricing and program knowledge? We are actively looking for you! Our Branch in Coral Gables, FL is looking for a Branch / Sales Manager who can support the branch and its loan officers with structuring loans, pricing, disclosures and any other related tasks. This position is for a person who enjoys working with others, can manage multiple priorities and truly enjoys providing support to a team. This person will also work closely with our Business Development Manager in promoting the branch and what City Lending has to offer
If you are:
- Licensed in Florida
- Have at least five years of experience as a Sales / Branch Manager, Senior LOA for a top producer
- Active experience with Encompass / Optimal Blue
- Extensive experience with guide line review, pricing & program knowledge
- Located in Miami
Comp: Salary + Commission + Benefits
DE Underwriter
City Lending Inc, a direct mortgage lender headquartered in the DC metro area is seeking an experienced DE Underwriter to join the team. In this position, excellent customer service skills are needed to serve our internal stakeholders through the loan process.
Essential Functions:
- Ensures compliance with company policies and procedures and secondary market investor standards
- Examines loan documentation for accuracy and completeness, working with loan originators to secure all required documents, analyzing the creditworthiness of the borrower and rendering a decision on the loan request
- Analyze monthly housing expenses, total debt obligations, monthly income, determining the source of funds for the down payment and closing costs. Reviewing income to debt ratios and determining the creditworthiness of the borrower to ensure credit guidelines are met
- Identify and calculate loan risk of loss
- Revisit loans to review and clear conditions
- Approve, counter or deny loan file
- Ensure compliance with Federal and State regulations
Required Experience
- 3+ years working in Encompass
- 5+ years working in the mortgage industry
- 5+ years of residential mortgage underwriting experience
- Knowledge of FHA, Conventional, VA policies and guidelines
- DE Certification
Education
- Associates degree in related field preferred/equivalent combination of work experience
Mortgage Loan Processor
City Lending Inc, a direct mortgage lender headquartered in the DC metro area is seeking an experienced Mortgage Loan Processor to join the team. In this position, excellent customer service skills are needed to serve our vendors, internal departments and clients.
Essential Functions:
- Obtain and analyze information necessary to process mortgage applications, including credit reports, income documentation, assets, title work, appraisals, and any other pertinent information
- Effectively communicate with underwriting, docs, funding, post-closing and other internal departments to ensure loans are completed accurately for purchasing
- Consistently update and maintain loan status within Encompass, processing out denied or cancelled loans in a timely manner to ensure accuracy in loan pipeline status
- Accurately prepare files for closing, verifying closing dates, first payment dates, proper set up of escrow accounts, and coordinating with settlement agents for closing
- Daily pipeline management with an emphasis on meeting rate lock expirations, mortgage commitment dates, and department turn times
- Managing client relations and ensuring compliance with regulations and agencies (preferred knowledge of FHA/VA, FNMA, HUD, etc.)
Required Experience
- Three or more years of current experience in processing residential home loans (emphasis on conventional, FHA, and VA products preferred)
- Working experience with Encompass360
- Knowledge of all mortgage and consumer lending regulations
- Ability to Review & Analyze Tax Returns/Income Documentation
- Bilingual in Spanish is a plus
Education
- Associates degree in related field preferred/equivalent combination of work experience
Mortgage Loan Closer
City Lending Inc, a direct mortgage lender headquartered in the DC metro area is seeking an experienced closer to join the team. In this position, excellent customer service skills are needed to serve our members through the closing process.
Essential Functions:
- Serve as the main point of contact throughout the closing and funding process. Guaranteeing excellent levels of customer service by providing guidance through closing process in a comprehensive manner
- Review title and survey for exceptions, review and audit loan documentation to ensure all underwriting conditions have been met
- Review and approve final CD
- Audit closing documents and obtains any missing documents prior to the time of closing
- Maintain a working knowledge of purchase loan closing documentation, required loan conditions, and post-closing follow up
- Comfortable with issuing TRID compliant closing disclosures
- Transfer MERS
- Knowledgeable ordering wire through warehouse line
- Review closing docs and provide funding authorization
Required Experience
- 3+ years working in Encompass
- 5+ years working in the mortgage industry
- 3+ years working as a mortgage closer
- Closing all Loan Types (/FHA/VA/Conv/Purch/Refi’s)
- Working with Initial CD’s: 2 years
Education
- Associates degree in related field preferred/equivalent combination of work experience
