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    RE Data Management Specialist - Laurel, United States - Tower

    Tower
    Tower Laurel, United States

    5 days ago

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    Description
    Note: All full-time positions include the option of $0 out-of-pocket premium cost for Employee Only PPO AND exceptionally low premiums for all other PPO coverage levels.

    Tower is offering a $1000 Signing/Retaining bonus as of 1/20/2023.

    HOURS FOR POSITION: Monday - Friday 40 hour work week.

    SUMMARY OF POSITION:

    The Real Estate Data Management Specialist (REDMS) is responsible for effectively handling the loan file set up of incoming new retail and correspondent 1st mortgage and home equity loan applications to include timely mailing of a Welcome Package and all other required disclosures as necessary, for reviewing the applications to determine the documentation requirements, for communicating and requesting the required documentation from the members, for handling and distributing incoming mail, and to handle requests for loan files to be cancelled, withdrawn or denied ensuring consistency, timely delivery, and compliance with regulatory requirements.

    PRINCIPAL ACCOUNTABLITIES AND FUNCTIONS:

    1. Conducts a thorough review of new retail and correspondent 1st mortgage and home equity loan applications to: determine documentation requirements; and, to complete necessary data entry in Mortgage Cadence in order to complete the loan application and generate required regulatory disclosures, registrations, rate locks and creation of skinny files.
    2. Generates and delivers to members a Welcome Letter to include a list of documentation needed in order to proceed.
    3. Monitors, reviews, and distributes incoming mail and follows-up with documentation from members, lenders and vendors via electronic VLF delivery, mail, email, fax and member delivery.
    4. Pulls data from applicable system applications for the following information as necessary for the retail and correspondent 1st mortgage and home equity loans files: AVM, property taxes, property assessments, HMDA, property deeds, member account statements, condo questionnaires, tax transcripts, SSA checks, etc.
    5. Submits retail and correspondent 1st mortgage and home equity loans to FNMA Desktop Underwriter to determine loan eligibility.
    6. Orders appraisals, flood certifications, title reports and credit supplements as needed and directed.
    7. Reviews and updates closing costs/fees in Mortgage Cadence as necessary. Re-discloses in compliance with RESPA and Reg Z requirements.
    8. Facilitates new Tower FCU membership accounts on 1st mortgage and home equity loan files in which the borrowers (OR as necessary for borrowers applying through all channels that) are not yet Tower FCU members.
    9. Responds to incoming member calls and inquiries to update on loan status, documentation still needed and general information on the loan.
    10. Acts as a primary contact point for present and potential members, Correspondent lenders, and Loan Advisors in order to answer questions, loan status inquiries, and coordinate additional documentation needed. Coordinates correspondence and follows-up activities, both verbal and written, between members, Loan Advisors, Consultants and Correspondent Lenders and Management.
    11. Monitors Pre-Approval pipeline for all Loan Advisors to determine age of loan files and to send out 10 Day Letters to members as necessary.
    12. Manages submission of cancelled, withdrawn and denied files for Loan Advisors to our Quality Assurance Underwriters to ensure compliance with all HMDA Reg B and all other regulatory compliance requirements.
    13. Works in collaboration and partnership with all Real Estate Lending Team members and other Tower FCU employees/departments.
    14. Maintains detailed knowledge of the Real Estate Lending Department's guidelines, policies, and procedures to ensure that all loans conform to establish underwriting and documentation standards.
    15. Maintains up to date knowledge of all first mortgage and home equity loan products offered by the credit union as well as Investor, MI and regulatory guidelines to ensure that all loans meet guidelines and regulatory requirements.
    16. Performs related duties and tasks as assigned.
    REQUIRED QUALIFICATIONS:
    • Associates degree in a related field plus two years of related experience of combination of education and experience.
    • One year of experience in the lending field preferred.
    • Successful completion of courses or seminars related to real estate lending origination, processing and underwriting.
    • Successful completion of up to five Mortgage Bankers Association classes designated by the V.P. Real Estate Lending within three years.
    • Successful registration, including compliance and maintenance of registrations, with Nationwide Mortgage Licensing System and Registry in compliance with Secure and Fair Enforcement Licensing Act (SAFE Act).
    COMPETENCIES:
    • Analytical decision making ability with attention to detail.
    • Ability to become proficient in the origination and operations procedures of the Real Estate Lending Department.
    • Ability to learn and work in a fast paced environment.
    • Ability to multi-task and prioritize work as required.
    • Ability to effectively work with mathematical concepts with a high degree of accuracy.
    • Ability to interpret, understand and apply Tower FCU Real Estate Lending Guidelines and FNMA/FHLMC/Investor Guidelines.
    • Ability to communicate effectively in oral and written form.
    • Ability to work and communicate effectively with Tower FCU members, real estate agents, title companies and other members of the Real Estate Lending team.
    • Ability to work independently and to identify/solve problems and to seek guidance when necessary and to resolve them in an expeditious manner.
    • PC Proficient to include: Word, Excel, Outlook, internet, e-mail and mortgage loan origination software
    • Ability to verbally convey work process issues to other members of the Real Estate Lending Department.
    • Ability to adapt to changes within internal, market or regulatory environments.
    • Ability to effectively organize loan files and documents.
    • Ability to exercise prudent judgment in decision-making and protection of member confidential information.
    • Ability to arrive at work routinely and promptly.
    • Ability to work within stringent time constraints and in a high pressure environment.
    • Ability to receive constructive feedback from co-workers and management.
    • Ability to work in a team environment and demonstrate the ability to help others.
    • Has knowledge of and adheres to credit union policies and procedures and all regulations related to the Bank Secrecy Act, the USA PATRIOT Act and OFAC.
    WORKING CONDITIONS:
    • Ability to sit for extended periods of time and demonstrate sufficient dexterity and vision to skillfully operate a variety of office equipment.
    • Ability to sit, stand and walk for extended periods and demonstrate sufficient dexterity and vision to operate a variety of office equipment.
    • Ability to lift up to 20 lbs. with or without assistance.
    • Ability to work the hours needed which may extend beyond the defined work schedule when operating conditions dictate
    • TFO Security clearance
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