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Job Description
Job Details
Description
Life at Amplify
As a growing tech-focused credit union Amplify Credit Union delivers value to our members through our products and impact to our community through our profits. That unique intersection is one reasonweve been named a Top Workplaceby theAustin American-Statesmansix years in a row.Were also proud to say that were the only full-service financial institution thatdoesnt have deposit fees of any kind. Were looking for teammates who are inspired byour missionand ready togrow their careers. As they do our employees can expect Amplify to uphold our commitments toculture community inclusion and more.
Position Summary
The primary responsibility of this role is to utilize prescribed systems and processes to successfully close real estate mortgage loans including but not limited to Conventional FHA VA USDA Bond and Home Equity. This role ensures that each loan progresses efficiently for timely closure in accordance with scheduled dates and service level agreements across Amplifys Retail Home Equity Wholesale and Third-Party lending business channels.
RESPONSIBILITIES include the following. Other duties may be assigned.
- Conducts a Pre-Closing review of loan documents and verifies information entered the Loan Operating System to ensure data integrity and consistency.
- Oversees a personal pipeline of assigned loans making sure each loan progresses appropriately for timely closure according to scheduled dates and prescribed service level agreements.
- Prepares and delivers the Closing Disclosure to members in compliance with program guidelines underwriting conditions and regulatory requirements.
- Coordinates with the title agent and first lien lender to ensure accurate fees on the Closing Disclosure for Retail and Third-Party Lending.
- Orders closing packages for portfolio and secondary market loans including Conventional FHA VA and USDA. Additionally prepares and orders closing packages for Home Equity loans ensuring strict compliance with Texas Constitution Section 50(a)(6).
- Reviews and approves title documentation for loan files such as Title Commitments Title Searches Chain of Title and Surveys.
- Examines and validates property insurance documentation including but not limited to Homeowners insurance Flood insurance Condo insurance and Master insurance policies and ensures understanding of escrow requirements for each.
- Evaluates and approves Power of Attorney documentation specific to real estate transactions.
- Supports IT in testing system changes new products programs and optimization efforts.
- Reviews closing documents for accuracy and prepares them for delivery to the title company or notary.
- Ensures all prior underwriting conditions are accurately met before releasing closing documents and sends the necessary signed documents to the title company or notary.
- Conducts Due Diligence tasks like MERS Public Records searches and reviews Verbal Verification of Employment documentation before releasing loan documents.
- Completes assigned monthly training courses.
- Upholds credit union policies and procedures and champions organizational culture both internally and externally.
Supervisory Responsibilities
This job has no supervisory responsibilities.
Qualifications
To perform this job successfully an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and/or Experience
High school diploma or GED. Bachelors degree in business or related field preferred. Minimum of 3 years of recent mortgage closing experience is required. Must be proficient in preparation and review of GFE LE HUD-1 Settlement Statement and Closing Disclosure. Title Insurance experience and proficiency in reviewing Automated Underwriting Systems findings is preferred but not required.
Certificates Licenses Registrations
Must be bondable. Active Notary in the state of Texas preferred but not required.
Software and Equipment Requirements
To perform this job successfully an individual should have knowledge and be efficient with the use of a personal computer Microsoft Office Outlook Microsoft Word and Excel Adobe Acrobat; Proficiency in reviewing Automated Underwriting Systems Findings is preferred but not required. 10-key calculator copy machine fax scanner and telephone.
Prior experience with the following applications preferred but not necessary: Encompass360 Bankers Edition and working in a paperless file environment.
Must have reliable internet access of 50MBPS which is the minimum speed required to connect to several of our systems and platforms.
Other Qualifications
Must be willing to work overtime when required.
Must be highly detail oriented. Must have: excellent written and verbal communication skills; excellent judgment skills to make quick decisions within written policy and standard operating procedures; the ability to present a professional and personable disposition to members and staff; the ability to handle daily routine with moderate freedom to interpret and act upon various situations with minimal supervision.
Must possess understanding of the following regulations: HMDA Regulation Z Regulation B FNMA TILA/RESPA Integrated Disclosure rules and processes. Must have knowledge of sales of mortgage loans into the secondary market and knowledge of Texas Constitution requirements as they pertain to Home Equity real estate financing. Must have or be able to quickly obtain:
knowledge of investor delivery requirements and reconciliation; knowledge of credit unions products and services policies and the Credit Union Act including bylaws and regulations that apply to federally chartered credit unions; knowledge of state and federal NCUA regulations.
What We Offer
To build a better bank you must build a better team. Thats why were committed to offering the best benefits to our team members. We want your time at Amplify to be a jumping-off point for personal and professional success and this means offering benefits including paid volunteer hours and development programs that will engage your role in our community.
- Medical Dental and 401(k) programs for team members.
- Customized volunteer opportunities with our signature partners (Saint Louise House).
- Additional paid time off for volunteer-related activities.
- Undergraduate and graduate tuition benefits for eligible full-time and part-time team members.
Starting Pay & Benefits
This role offers an hourly rate of $25.70 - $32.22. It also entails thebenefits available to all Amplify employees including a 401(k) with a company match of 100% on the first 5% you contribute.
Location
This is a remote role available to candidates who live in the U.S.
Team Member Testimonials
Read about some of your potential coworkers andwhy they enjoy working at Amplify.Or check us out onComparably.
Amplify is an Equal Employment Opportunity Employer seeking people from all backgrounds life experiences and world views. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.
Employment Type
Full-Time
