Mortgage Loan Coordinator Spanish Speaking
Mortgage Loan Coordinator Spanish Speaking
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1 Vacancy
Job Description
Please reference the schedule and minimum qualifications listed below before applying.
If you need assistance with filling out our application form or during any phase of the application interview or employment process please notify our Human Resources Team atoption 1 or email and every reasonable effort will be made to accommodate your needs in a timely manner.
Job Summary
Work directly with Loan Officer Underwriter Closer borrowers real estate agents builders title companies and other third parties to carry out the duties required to evaluate loan files obtain loan approvals and facilitate ontime closings.Job Description
LOCATION
Tanner Building Hybrid:
7167 S Center Park Drive
West Jordan UT 84084
SCHDULE
Full Time
To be effective an individual must be able to perform each essential duty successfully.
- Fundamental understanding of FHA VA USDA Freddie Fannie and MACU portfolio guidelines and regulations.
- Communicate regularly with new and active loan applicants to ensure they receive exceptional service throughout the loan process.
- Calculate and verify income and employment in accordance with Appendix Q MACU and investor guidelines
- Gather and analyze paystubs personal and business taxes verification of income/employment tax transcripts and assess any concerns with income
- Complete required income calculation worksheets for salary and self employed borrowers.
- Analyze calculated income to ensure it meets loan requirements
- Demonstrate strong analytical abilities when running and examining automated underwriting systems for Freddie Mac and Fannie Mae (LPA and DU)
- Monitor loan officer pipelines and identify alerts requiring disclosures redisclosures and other necessary attention to loan files.
- Identify alerts requiring disclosures redisclosures and other necessary attention to loan files and work with loan officer to remedy.
- Assist in completion of Notice of Incomplete Applications Withdrawals and Denials within required time frames.
- Order appraisal (or AVM) and title report upon receipt of all qualifying documentation and Intent to Proceed
- Examine title report eliminating any risk of junior liens addressing any shared well egress issues ensuring MACU has first position on all title reports as well as verify address parcel number and annual taxes for accuracy compared to loan file
- Evaluate appraisals for accuracy and compliance with secondary market guidelines making sure any errors adjustments repairs etc. have been corrected or completed prior to final loan approval.
- Order Flood Certification FHA or VA case number CAIVRS VOE VOD Condo Certification CC&Rs Condo Budget tax transcripts hazard insurance and subordinations per guideline requirements
- Remove unnecessary documents/buckets from eFolder in Encompass to eliminate duplication and determine what missing documentation is outstanding; verify accuracy of received date for documents and correct if needed
- Demonstrate understanding of what is required for alerts warnings and Mavent fails
- Confirm loan file has all required documentation and submit to underwriting
- Develop and maintain quality timeframes and management of pipeline to achieve and meet required purchase contract deadlines
- Within 24 hours of underwriter review work with loan officer and member to gather and satisfy all required underwriting conditions
- Work closely with Mortgage Training Team and Underwriter for assistance in understanding guidelines and program requirement
- Run Value Analyzer on all refinance loans
- Participate in ongoing training of standard mortgage products (Conventional FHA VA etc.
- Use tools provided to research all loan programs and guidelines including AllRegs investor selling guides MAC Knowledge Center MI quotes Underwriting and Training hotlines and agency call centers; maintain an active knowledge base of the mortgage loan products MACU offers and an understanding of the qualifications for each program.
- Understand regulations and requirements for the Secondary Market NCUA BCFP TRID RESPA and HMDA
KNOWLEDGE SKILLS and ABILITIES
The requirements listed are representative of the knowledge skills and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.
Experience
One year of experience in a finance related field. Work in the mortgage industry preferred.
Education
High School Diploma or GED.
Licenses Certificates Registrations
Must be able to qualify for a NMLS number under S.A.F.E Act after hire into position.
Managerial Responsibility
Has no supervisory/managerial responsibilities.
Interpersonal Skills
- Courtesy tact organization and diplomacy are essential elements of the job.
- Understand the sense of urgency and how to effectively respond.
- Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information building relationships or soliciting cooperation.
Language Skills
- Demonstrated ability to read and interpret documents such as safety rules operating and maintenance instruction and procedure manuals.
- Demonstrated ability to write routine emails and correspondence.
- Demonstrated ability to speak effectively with employees members or clients.
Reasoning Ability
Must have the ability to understand and carry out instructions in written oral or diagram form. Ability to deal with problems involving several variables.
Computer/Office Equipment Skills
Intermediate skills in the following: Microsoft Office products including; Word Excel and Outlook.
Other Skills
Uses time and skills effectively to accomplish required work.
Ability to followthrough on assignments and responsibilities. The degree to which the employee can be counted on to perform responsibilities and complete assignments in a timely and competent manner.
Demonstrated dependability toward job and team in regard to attendance work load and work accomplishment.
Demonstrated experience in a customer oriented setting.
Demonstrated ability to perform work assignments free from mistakes errors or negativity. Strives for the best end product. Goes beyond acceptable standards resulting in superior outcomes.
Ability to use time and resources effectively to accomplish required work meet deadlines and priorities
PHYSICAL REQUIREMENTS/ WORKING CONDITIONS
Physical Demands
Ability to talk hear sit use hands to handle or feel and reach with hands and arms consistently.
Vision Requirements
Close vision (clear vision at 20 inches or less) Distance Vision (clear vision at 20 feet or
more)
Weight Lifted or Force Exerted
Frequently lifts up to 10 lbs. occasionally lifts up to 25 pounds rarely lifts up to 100 pounds.
Environmental
Office Type conditions indoors.
Noise Environment
Moderate Noise such as in a business office with equipment and light traffic.
***This Job is not eligible to be performed in Colorado or Connecticut either remotely or inperson.***
#LIFW1
Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.
Required Experience:
IC
Employment Type
Full-Time
