Residential Mortgage Resume Samples

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ZK
Z Krajcik
Zack
Krajcik
769 Smitham Shores
San Francisco
CA
+1 (555) 265 9645
769 Smitham Shores
San Francisco
CA
Phone
p +1 (555) 265 9645
Experience Experience
Philadelphia, PA
Residential Mortgage
Philadelphia, PA
Franecki, Keeling and Kris
Philadelphia, PA
Residential Mortgage
  • Develop policies, procedures and workflow for loan registration and pricing
  • Provide assistance to personnel and third party originators to field questions, relocks, extensions and system updates per rate lock policy
  • Produce daily rate comparison and market share reports and recommend pricing adjustments to maintain competitiveness
  • Gather and prepare market commentary for daily distribution to senior management
  • Audit and validate daily pricing and perform pricing research as necessary
  • Manage the approval and distribution of off rate sheet pricing request
  • Offer recommendations to streamline and improve processes
Dallas, TX
Residential Mortgage Analyst
Dallas, TX
Luettgen, Fahey and Heathcote
Dallas, TX
Residential Mortgage Analyst
  • Managing vendor relationships, including working with Procurement on contract negotiations and managing vendor risk
  • Hard-working and diligent
  • Working with Legal in preparing responses to regulatory inquiries
  • Working with counterparties and legal to facilitate the negotiation and execution of confidentiality agreements and contracts
  • Creative in solving problems
  • Cooperative; focused in achieving the group and client objectives
  • Managing data rooms for bids and offerings of whole loans, including working with servicers and sellers to get servicing data, and working with diligence providers to get diligence data
present
New York, NY
Residential Mortgage Servicing Manager
New York, NY
Blanda-Skiles
present
New York, NY
Residential Mortgage Servicing Manager
present
  • Creating and performing assessments (testing) of sub-servicer activities of key functions related to servicing per Fannie Mae guidelines
  • Monitoring and reviewing invoices received by the vendor and coordinating with Operations for processing of payments
  • Facilitating monthly meetings with the vendor and documenting key discussion points with meeting minutes
  • Creating and providing reports to management based on the results of assessments performed
  • Tracking issues reported to the vendor and monitoring action plans for remediation
  • Establishing and monitoring mortgage servicing service level agreements related to Fannie Mae Servicing functions as performed by sub-servicer, including creating and producing monthly scorecard to track vendor performance
  • Creating and performing ongoing monitoring activities of sub-servicers key functions/areas related to Fannie Mae loans, including Loan Onboarding, Loan Administration (cash management, escrow administration, etc.), Default Management (Collections, Loss Mitigation, etc.), and Investor Accounting
Education Education
Bachelor’s Degree in Computer Science
Bachelor’s Degree in Computer Science
Oregon State University
Bachelor’s Degree in Computer Science
Skills Skills
  • Strong problem solving ability
  • Excellent communication skills – professional demeanor, confidence, well-spoken
  • Knowledge of functional programming (Clojure)
  • Proven ability to manage relationships with key business (including front office) & IT stakeholders
  • Working knowledge of web apps and JBoss, as well caching and Coherence
  • Ability to design a normalized schema as well as write optimized SQL queries, shell scripts and stored procedures
  • Knowledge/experience in application security/disaster recovery/ systems hardware
  • Knowledge in pricing, risk calculations, allocation/settlement processes for Mortgage products including TBA, Spec Pool and CMO / derivative products
  • Knowledge of electronic trading and the ION platform for order management, RFQ, and trade execution is useful
  • Knowledge of Perl
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7 Residential Mortgage resume templates

1

Senior Residential Mortgage Consultant Resume Examples & Samples

  • Handles new residential loan business transferred from other partners, calls on clients and prospects
  • Evaluates and identifies clients/prospects' mortgage loan needs and structure. Processes and implements loans and equity credit lines within bank guidelines
  • Interviews loan applicants, requesting information to ensure that loan applications are complete
  • Provides initial analysis applicant¿s financial status to insure client eligibility for an accommodation
  • Functions in a liaison role with a specific partner area to assist with mortgage-related client issues and communicates National Mortgage Center policies to partners. Promotes ongoing working relationships between areas. May mentor other team members
  • Develops understanding of specific policies and procedures of the National Mortgage Center products and services in order to identify and implement changes that contribute to a positive client experience. Has broader knowledge of other business areas
  • Communicates with partners at all levels to ensure processing is meeting the requested timeframes. Is able facilitate discussion and reach decisions
  • Recognizes opportunities and cross sells solutions to clients involving other partners when appropriate
  • Represents the bank in community activities, such as seminars, to provide credit opportunities for diverse constituencies
2

Residential Mortgage Credit Analyst Resume Examples & Samples

  • Conduct analysis related to non-agency MBS securitization transactions
  • Generate monthly surveillance reports for acquired positions
  • Collaborate with multiple internal and external parties including portfolio managers, traders and auditors to drive asset management processes
  • Work on ad-hoc projects analyzing sector / industry trends
  • Follow up with broker-dealer research weekly to inform the trading desk of important market events
  • Hard working, detail-oriented, and committed to producing great end results
  • Strong analytic and financial modeling skills
  • Basic understanding of U.S residential housing market / non-agency MBS / waterfall structures
  • Proficiency in Excel and VBA required / basic understanding of SQL expected
  • Familiarity with Intex is preferred
  • Hands-on experience with loan database such as Corelogic LP or ABSNet Lewtan data helpful
  • Basic understanding of statistical packages such as R / SAS a plus but not required
  • Experience with 1010data a plus but not required
  • Demonstrated ability to prioritize work and manage time
  • A self-teacher and quick learner able to pick up the technical skills necessary for any project
  • A quantitative thinker who is able to use numbers to generate and validate critical concepts and extract insight and conclusions based on data
  • Ability to thrive in a fast-paced, rapidly changing work environment
  • Ability to work autonomously or as a member of a team
  • 1-2+ years at a financial institution, ideally in the mortgage or structured products sector
  • Communication Skills - Proactively communicates in the appropriate medium with clarity and focus at the right level to ensure delivery has the appropriate impact
3

Residential Mortgage Trading Analyst Resume Examples & Samples

  • Flow trading position
  • Actively working with our priority accounts to provide liquidity
  • Monitoring and updating inventory and marks on a daily basis
  • Communicating with sales to relay daily trading priorities
  • Processing remittances monthly and updating position database
  • Managing daily P&L process
  • Strong analytical experience and education · Attention to detail · Interest in Fixed Income securities and loans · Highly proficient in using Microsoft Excel · Experience with Bloomberg, Intex, and TREPP · Understanding of residential mortgage loans · Ability to work under a time pressure and to meet stringent deadlines
4

Cib Securitized Products Residential Mortgage Loan Advisory Analyst Resume Examples & Samples

  • Manage the Deal Team’s Transaction Database by updating new pools, transaction schedule changes, due diligence results, side letter status, bid information, client information, client coverage, servicer information, servicing transfer results and repurchase claims
  • Assist in the pool selection process
  • Maintain documentation of various transaction required approvals
  • Assist in the loan sale process by assisting with the creation of marketing materials, managing the valuation process and tracking bids and trade color
  • Analyze and compare marketing pools to help determine pricing
  • Assist with settling the transaction
  • Assist with the development and implementation of an asset management and portfolio oversight strategy for different portfolios
  • Programming skills that at a minimum include: Excel, Access, SQL and VBA
  • Experience designing, implementing, and managing databases
  • Experience running financial models and manipulating data
  • Knowledge of residential mortgage loans, mortgage credit and mortgage servicing a plus, but not required
5

IT Business Analyst Residential Mortgage Trading Technology Solution Resume Examples & Samples

  • Review and understand or create high level business requirements
  • Create detailed business requirements documents
  • Work closely with system architects and development teams to convert the detailed business requirements document into a System Requirements Specification document to be consumed by the development team
  • Excellent knowledge of Fixed-Income Securities with an emphasis on the Canadian mortgage market
  • An excellent understanding of Securitization processes
  • Superior written and verbal communication skills are essential
  • Able to communicate effectively and concisely with business stakeholders
  • Exceptional attention to detail
  • Proficiency in Excel, for in-depth analysis
  • Excellent time management and prioritization skills
  • Self-starter with the ability to multi-task effectively and independently within a fast-paced environment
  • Demonstrated ability to follow up on issues independently and ensure they are resolved promptly, escalating when necessary
  • Ability to gauge the appropriate level of priority and detail and/or effort required on any given project
  • Able to analyze complex issues from multiple perspectives and provide strategic recommendations
  • Able to balance driving a consistent design vision with collaborative efforts within the team and with stakeholders
  • Previous experience with requirements elicitation and documentation is desirable
6

IT Senior Dev Team Lead Residential Mortgage Trading Technology Soln Resume Examples & Samples

  • Ensure adherence to architectural best practices including maximizing reuse within and beyond areas of direct responsibility
  • Ensure all software lifecycle development best practices are followed from inception to delivery
  • Perform guidance and hands-on development and support for ongoing projects and support activities using modern application development technologies and methodologies, primarily implemented using C# and TFS
  • Consistent on-time delivery with collaboration with project managers, business analysts, and QA staff
  • Review and contribute to the estimates for the project’s schedule, effort, and cost using established estimating models, best practices, and past experience
  • Review code quality and standards in a regular basis following best practices
  • Contribute to new and existing technical document and specification
  • Ensure application codes are aligned with the team's continuous integration guidelines and standards
  • Ensure 100% compliance to TD's delivery methodology and audit / control requirements
  • Represent the development team at project related meetings
  • Support a positive work environment that promotes quality service to our business, quality, innovation, and teamwork ensuring timely communication of issues/ points of interest
  • Ensure the team is fully aligned to the organizational values including responsiveness, initiative, stewardship, knowledge, teamwork, efficiency, communication, and honouring of commitments
  • Identify and recommend opportunities to enhance productivity, effectiveness and operational efficiency of the business unit and/or team
  • Identify all development project dependencies and risks and ensure mitigation/contingency plans are in place for identified risks
  • 5+ years of software development, design or architectural experience in a financial service or capital markets organization (1-2 years managing teams)
  • 5+ years of application development technologies in .NET, C#, SQL, T-SQL, SSRS
  • 5+ years of experiences with continuous integration tools such as TFS, MKS, Jira, etc
  • Prioritize and manage own workload in order to deliver quality results and meet timelines
  • Strong at Software Architecture and Design principles
  • Strong experience in engaging and enforcing coding practice and technical documentation
  • Experience with SDLC lifecycle including waterfall and agile methodologies
  • Experience with ITIL standards on release and change management
  • Superior influencing skills and written/verbal communication skills are essential
  • Able to communicate effectively and concisely with IT stakeholders
  • Excellent business and organizational practices/disciplines
  • Self-starter ability to multi-task effectively and independently within a fast-paced environment
  • Superior analyzing skills to solve complex issues from multiple perspectives and provide strategic recommendations
  • Sound knowledge of Bank and technology standards (e.g., infrastructure, architecture, processes, applications) and managing people/projects
  • Able to think critically, beyond the status quo, and provide innovative/creative solutions to existing problems
  • Strong knowledge of capital markets concepts including valuation and risk metrics a plus
7

Residential Mortgage Lending Post Closer Resume Examples & Samples

  • Coordinate with Closer and follow up with Closing Agent to ensure timely receipt of fully executed loan documentation including final title policy
  • Review of entire loan file from a process, regulatory and documentation standpoint to ensure completeness and accuracy. This includes but is not limited to a review of the LE and CD. Work with closing agent and title company to clear deficiencies
  • Prepare “New Loan Set-Up” with sub servicer, Devonmuehle Mortgage Inc ( DMI) and verify set up is correct. Includes the upload of all documents to DMI
  • Scan loan file to OnDemand for Quality Control reviews and record retention
  • Assist with file retrieval and document review
  • Mortgage experience necessary
  • Analytical and problem solving abilities
  • College degree preferred, Associates degree at a minimum or a paralegal background
  • 3+ years of post closing with bank, law firm, title company or mortgage lender
  • Experience with Remote Lender application or similar Loan Origination System application
  • Mortgage customer service preferred but not necessary
8

Residential Mortgage Resume Examples & Samples

  • 4-6 years of experience working as a developer for risk and/or trade lifecycle applications for Equities or Fixed Income trading
  • 4-6 years of experience with data structures and object oriented technologies, including Core Java, C++, XML, Oracle database experience, Linux/UNIX
  • Ability to design a normalized schema as well as write optimized SQL queries, shell scripts and stored procedures
  • Proven ability to manage relationships with key business (including front office) & IT stakeholders
  • Ability to create and track project plans; estimate development needs & scope effort
  • Excellent communication skills – professional demeanor, confidence, well-spoken
  • Experience working on Mortgage Backed Securities, Rates, FX or Credit trading and risk applications
  • Knowledge in pricing, risk calculations, allocation/settlement processes for Mortgage products including TBA, Spec Pool and CMO / derivative products
  • Knowledge of functional programming (Clojure)
  • Knowledge of Perl
  • Previous experience with Git, Maven, Nexus, Urban Code Deploy is valuable
  • Knowledge of electronic trading and the ION platform for order management, RFQ, and trade execution is useful
  • Knowledge/experience in application security/disaster recovery/ systems hardware
  • Experience with multithreading/concurrency applications
  • Working knowledge of web apps and JBoss, as well caching and Coherence
  • GUI / UI development experience
  • Advanced degree in Computer Science / Math / Engineering
  • Advanced degree/certifications in Finance and/or Risk Management
9

Residential Mortgage Lender Resume Examples & Samples

  • Build and maintain referral networks and relationships for bringing in new mortgage business
  • Advise customers in the process of completing mortgage loan applications (1003)
  • Determine appropriate loan type for customers' needs and educate customer on details of all loan types
  • Determine loan requirements and advise customers regarding documentation required for transactions
  • Prepare and send initial disclosures to customers, complying with RESPA/TILA requirements
  • Correctly calculate income and identify assets for borrowers per appropriate lender's guidelines
  • Run loan file information through Loan Prospector or Desktop Underwriting system to determine eligibility for agency loan
  • Manage customers and related service providers, including real estate agents, regarding appropriate expectations for documentation, process and closing
  • Partner with processor on files to ensure loans close in a timely manner
  • Communicate with customers regularly to ensure they have a clear understanding of the process
  • Expand and regularly update knowledge base regarding RESPA, HMDA, MDIA, HVCC, Regulation B, Flood, etc
  • Control loan files to ensure compliance with regulatory requirements
  • Expand and regularly update knowledge base regarding underwriting requirements for conventional, FHA, and VA loans
  • 3 years experience in mortgage loan origination or processing
  • Strong compliance understanding & problem solving skills related to residential loan origination
  • Experience with existing referral sources & customer relationships
  • Experience using Encompass LOS System
  • Proficiency in Spanish language
  • Ability to work independently and multi-task with accuracy
10

Residential Mortgage Lending Specialist Resume Examples & Samples

  • Maintaining the Residential Real Estate Product Programme on behalf of Investment Finance, working with Risk
  • Maintaining strong links with industry specialists and trade bodies to monitor market developments
  • Identifying lending requirements which meet CPB’s Target Market and Responsible Lending criteria
  • Meeting clients to explain and present options for financing residential property
  • Working with clients to obtain all necessary information to request an offer of finance
  • Working with Risk to prepare a Pre Offer KFI
  • On-going pipeline and performance management
  • Portfolio management /project involvement
  • Experience of residential lending
  • In depth market knowledge
  • Product design experience
  • Broad knowledge of the Citi's Core Credit Policies
  • Ability to work with relationship bankers across EMEA. Overseas travel may be required from time to time
  • Ability to develop and implement a clear strategy
  • Understanding of all relevant regulatory and compliance considerations for UK Mortgage Lending. Familiarity with mortgage underwriting and closing procedures Strong risk management and process skills
11

Residential Mortgage Loan Processor Resume Examples & Samples

  • File review when received, order all appropriate documents including USPS, flood certificates, taxes, 4506t, payoffs if required, CAIVRS, LDP, GSA, 5 day verbal verifications. Ensures that all hazard insurance and flood insurance meets investor requirements prior to the loan closing
  • Ensures accuracy by reviewing and analyzing all aspects of the mortgage credit package including but not limited to: Accuracy of file input, timely delivery of required application disclosures, title policy, assets and asset documentation, income figures and income documentation including personal and corporate tax returns, credit report/credit documentation and appraisal review
  • Successfully documents mortgage loan file within Encompass processing system as required. Tracking of referral source and other required tracking fields are to be completed prior to submission to underwriting
  • Ensures legal/regulatory procedures are followed and compliance practices meet all Federal and State standards with a strong emphasis and understanding of HMDA and RESPA
  • Ability to run appropriate AUS on each file, verify and validate AUS findings and document file accordingly
  • Able to interface effectively and professionally with applicants/borrowers, realtors, builders, title companies and others in department to ensure efficient and timely workflow and perform related duties as required. Per guidance of regulations
  • Provide quality customer service by answering questions for external and internal customers in a timely and professional manner
  • Prepares a complete and concise loan file with timely submission to underwriting and closing in order to meet scheduled contract or other predetermined deadlines
  • Ensures that all conditions have or will be met prior to providing the file to the closing department for preparation of closing documents
  • Maintains and enhances personal knowledge of products and services as well as the laws, regulation and internal policies and procedures appropriate to the position
  • Basic computer knowledge and skills, basic math ability including use of a financial calculator
  • Must be detail oriented and possess solid organizational and time management skills. Must be able to work independently and handle multiple priorities under pressure of deadline and time restraints. Promotes teamwork within the department and other departments
  • Solid knowledge of FNMA, FHLMC, HMDA, FHA, and VA lending guidelines. Knowledge of State sponsored down payment and other assistance programs
  • 2+ years of loan originating or loan processing experience
  • Experience with CALYX highly desired
  • *Local candidates only please***
12

Residential Mortgage Consultant Resume Examples & Samples

  • Enters applicant information into system and assists in the collection of required documentation for the bank to make sound credit decisions. Works with department staff to ensure loans progress through the system in an efficient manner
  • Develops business relationships with Centers of Influence (COI’s) outside the bank to increase loan volume. Deploys prospecting strategies to identify and obtain mortgage loan and bank customers
  • Provides timely and proper follow-up to the customer. Exceeds customer service standards
  • Conducts community development (CRA) focused training or customer/prospect seminar targeted toward low-to-moderate income borrowers, diverse socio-economic populations, or first time homebuyers
  • High School or GED and a minimum of five years related mortgage loan origination experience or equivalent combination of education and experience; Associates Degree with a focus in finance, accounting or business preferred
  • Knowledge of conventional and government lending guidelines as well as residential mortgage processing, underwriting, and closing procedures
  • Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with business unit management, customers staff, state and federal regulators and officials and significant business partners
  • Strong ability to read, analyze and interpret financial reports and legal documents; performs complex calculations; effectively researches, analyzes and evaluates information to make decisions, solve problems and achieve goals; strong project management skills desired
13

Regional Director Residential Mortgage Underwriters Resume Examples & Samples

  • Ensure effective servicing and processing (underwriting, adjudication, due diligence) and approval of mortgage applications and maintain the overall quality of the assigned Home Financing Solutions portfolio and client base, within the established parameters for underwriting
  • Lead, coach and manage a team of remote HFLM’s including driving implementation of the strategies and initiative
  • Ensure the Bank’s interests are protected at all times including ensuring operating practices and procedures comply with internal Bank and regulatory requirements
  • Expert knowledge of the real estate and mortgage industry and market place, including products, programs, policies and services, as well as systems (MIMs, Intralink) and operating procedures of the Bank; pertinent real estate market, competitive innovations, major customers, competitive positioning in the marketplace, trends and developments influencing market dynamics, industry practices, insurers
  • Proven underwriting track-record/limit authority
  • Sucessful people leadership track-record (remote and centralized workforces is preffered)
  • Expert knowledge of mortgage underwriting, financial analysis, risk analysis techniques, credit adjudication and the Bank’s lending polices and procedures for the Mortgage business line; excellent ability to accurately and thoroughly review loans over HFA’s limits
  • Excellent interpersonal skills for business development/customer relationship building and to facilitate the development of a positive and effective team environment. Able to influence and motivate others
  • Thorough knowledge of the Bank’s other retail products, policies and procedures, to facilitate and promote cross selling these products to mortgage customers through Home Financing Advisors
  • Ability to read / analyze appraisals
  • Solid understanding of detailed legal requirements for mortgages including compliance requirements
14

Residential Mortgage Analyst Resume Examples & Samples

  • Mortgage whole loan sales and acquisitions
  • Bachelor’s Degree in finance or related field preferred
  • Very strong MS Excel skills
  • Self-driven, curious and enthusiastic problem solver
  • Strong team player dedicated to achieving team goals
15

Residential Mortgage Servicing Associate Resume Examples & Samples

  • Performing ongoing monitoring of sub-servicers activities related to key functions/areas, including Loan Onboarding, Loan Administration (cash management, escrow administration, etc.), Default Management (Collections, Loss Mitigation, etc.), and Investor Accounting
  • Performing assessments (testing) related to activities of sub-servicers key functions
  • Providing reporting based on the results of assessments performed
  • Working with sub-servicer to address potential servicing issues identified by business assessments, in addition to issues identified by business partners (Operational Risk, Compliance, Credit/QC)
  • Maintaining, tracking and reporting on issues requiring remediation
  • Working with internal business partners to address loan level/escalated issues, as needed
  • Overseeing the accuracy and timeliness of required vendor reporting, in addition to ensuring that reports are maintained within SharePoint site
  • Participating in ad hoc projects as needed and assisting management with requests related to servicing oversight
  • Performing backup support to other roles in the Servicing Area
  • Travel Required: Approximately 10%
  • 3 to 5 years of experience within mortgage servicing requirements, including loan onboarding, loan administration, default management and investor accounting
  • Working knowledge of applicable regulatory guidelines related to mortgage servicing
  • Strong Computer skills- must be familiar with how to navigate a Microsoft Windows environment and have a working knowledge of Microsoft Office software
  • Must have excellent teamwork orientation and the ability to work independently in a fast moving environment
16

Residential Mortgage Servicing Manager Resume Examples & Samples

  • Establishing and monitoring mortgage servicing service level agreements related to Fannie Mae Servicing functions as performed by sub-servicer, including creating and producing monthly scorecard to track vendor performance
  • Establishing and following procedures related to overall Fannie Mae Servicing Oversight with consideration of Fannie Mae guidelines and requirements
  • Creating and performing ongoing monitoring activities of sub-servicers key functions/areas related to Fannie Mae loans, including Loan Onboarding, Loan Administration (cash management, escrow administration, etc.), Default Management (Collections, Loss Mitigation, etc.), and Investor Accounting
  • Creating and performing assessments (testing) of sub-servicer activities of key functions related to servicing per Fannie Mae guidelines
  • Creating and providing reports to management based on the results of assessments performed
  • Managing potential servicing issues identified by business assessments, in addition to issues identified by business partners (Operational Risk, Compliance, Credit/QC)
  • Participating on calls with business partners and the vendor
  • Preparing reports as required based on information gathered on calls
  • 5 to 8 years of experience within mortgage servicing, specific to Fannie Mae servicing guidelines and requirements, including loan onboarding, loan administration, default management and investor accounting
  • 1-3 years of management experience a plus
  • Adhere to turn time commitments while working in a high-volume environment
17

Residential Mortgage Servicing Manager Resume Examples & Samples

  • Establishing and monitoring mortgage servicing service level agreements related to servicing functions as performed by sub-servicer, including producing monthly scorecard and metrics to track vendor performance
  • Serving as the vendor’s single point of contact including coordinating and obtaining information from the vendor as per business needs and internal requests received from various business partners (including Operational Risk, Compliance, Credit/QC)
  • Tracking issues reported to the vendor and monitoring action plans for remediation
  • Monitoring and reviewing invoices received by the vendor and coordinating with Operations for processing of payments
  • 1-3 years of management/supervisory experience a plus
18

Residential Mortgage Vesting Specialist Resume Examples & Samples

  • Reviewing title, deed and vesting documents; including but not limited to trusts, limited liability companies, limited partnerships and corporations for approval with residential mortgage closings
  • Create custom mortgage closing documents
  • Create Modification documents
  • Work with Private Bankers and Financial Advisors to provide assistance in a timely manner
  • Provide high quality customer service
  • Perform post closing reviews on loan documents
  • Work closely with our mortgage lending team during loan origination to meet underwriting guidelines
  • 5 to 8 years of experience reviewing trusts, limited liability companies, limited partnerships, corporations and other real estate title related documents
  • Real Estate Paralegal; residential lending preferred
  • Experience preparing mortgage and/or real estate closing documents
  • Solid understanding of the mortgage life cycle
  • Strong Computer skills; must be familiar with how to navigate a Microsoft Windows environment and have a basic working knowledge of Microsoft Office software
  • Extraordinary client service aptitude
  • Proficient with Microsoft Office suite
19

Residential Mortgage Case Manager Resume Examples & Samples

  • Manage the assigned loan portfolio ensuring all relevant Capita, Client and legislative policies and procedures are adhered to. However, assignment of work may not always be on a case ownership basis it will be driven by the Senior Manager Residential Mortgage / ASU and will vary over time depending on overall portfolio position
  • Assess the current position on each account in your portfolio/ workload in relation to balance, arrears, payment history and customer engagement to date. You will then actively engage via phone, letter and personal meetings with customers primarily to ensure all relevant information is collated, arrears are collected and accounts are regularized
  • Individual activity on accounts should be in line with divisional process, systems and procedures and overall compliance with CPC and CCMA regulations
  • For customers who find themselves in a position where they cannot repay or regularize their accounts you will collate all relevant financial and personal data via SFS with a view to determining if accounts are sustainable and what range of forbearance or other options are available to the client
  • Assess options available and make written recommendations to internal credit team of most appropriate course of action for individual clients
  • Engage with internal legal and enforcement teams in cases where the customer is not cooperating and where legal recovery is most appropriate
  • Maintain relationships with third parties including MABS and customer debt mediators
  • Work to ensure achievement of individual and team key contact and collections targets and KPIs
  • Ensure the timely and accurate escalation of any internal or external issues
  • Ensure all engagement with customers is accurately recorded and the timing of activity / contact is in line with regulatory requirements, company policy and procedures, and customer expectations
  • If / when necessary provide information to support decisions in relation to customer appeals
  • Where applicable, co-ordinate all regular management information and ad hoc report requests for the team to the highest standard
  • Where appropriate, provide mentoring support to other team members to promote staff development and maximise team performance
  • Maintain Borrower information files and accurately input information onto various systems
  • Assist the management team with new business development where required
  • Ensure timely delivery of M.I
  • Ad hoc duties will include general administration on customer accounts and involvement in internal projects / change initiatives
  • QFA / APA required
  • Up to date knowledge of applicable regulatory code and application of MARP strategies
  • At least 3 years’ experience of lending and / or recoveries in residential and commercial loans essential
  • Experience of working in a client facing role and of negotiating with distressed borrowers and their advisors, coupled with a strong background in managing complex problem cases
  • Strong financial analysis skills with a proven ability to review, understand and interpret financial accounts, management accounts and budgets
  • Experience of and ability to review loan and security documentation ensuring that legal advice is taken when required
  • Experience in drafting strategy and credit papers
  • Working knowledge of local tax, legal and accounting regulations
  • Knowledge and experience of managing and collection on delinquent connections / loans
  • Experience in managing cases through the insolvency process; incorporating liquidation, receivership and examinership would be a distinct advantage
  • Ability to work independently and as part of a team, demonstrating strong communication, influencing and negotiating skills along with ability to organise and meet tight deadlines are essential skills
  • Proficiency in the use of Microsoft Office suite- particularly Excel
  • Candidates will be required to comply with the Central Bank's Fitness and Probity Standards including the company's due diligence process in assessing their fitness and probity under the areas of (1) Competent and Capable, (2) Honest, Ethical and Integrity and (3) Financial Soundness
20

Senior Residential Mortgage Consultant Resume Examples & Samples

  • Functions as a technical expert in all phases of residential lending. Handles complex activities with significant client and business impact
  • Handles new residential loan business referred from Wealth Management and Private Banking partners
  • Evaluates and identifies client’s mortgage loan needs and structure. Processes and implements loans and equity credit lines within bank guidelines
  • Interviews loan applicants, requesting information to ensure that loan applications are complete. Follows up with client to obtain all required supporting documentation
  • Works directly with National Mortgage Center Processing, Underwriting and Closing areas to facilitate client’s loan request
  • Minimum of 5 or more years of mortgage or other relevant lending experience
  • In depth knowledge of the regulations impacting the mortgage industry, residential lending solutions, construction lending solutions, underwriting guidelines and procedures
  • This knowledge is acquired through related work experience, is required to execute Wealth Management strategy
  • Presentation and negotiation skills are necessary to develop new business
  • Analytical and financial skills are required to analyze financial statements, applications and other financial instruments
  • Incentive compensation will be limited per regulatory requirements
  • Must be SAFE Act eligible and maintain registration and be able to meet minimum regulatory requirements for the role, including but not limited to regulatory guidance for satisfactory criminal background screenings and credit report
21

Residential Mortgage Loan Associate Resume Examples & Samples

  • Manage relationships with residential loan counterparties including loan brokers, government related enterprises, hedge funds and private equity firms
  • Assess relative value in loans and help identify new opportunities in the both seasoned mortgage loans as well as recently originated mortgage loans and drive origination of these products
  • Analyze yield and loss profiles of potential pools and act as lead for credit and pricing meetings with residential credit team and senior management. Responsible for the creation of purchase reporting and analytics for residential loan trading activity
  • Contribute to marketing and management of third-party client investments in residential loans
  • Assist as needed on transaction management and closings including credit due diligence and contract finance
  • Bachelor’s Degree in Business, Finance, Accounting, Economics, Math, Statistics, as well as any other related field of expertise
  • 3+ years of experience with Excel (v-lookup, pivot tables, calculations)
  • MBA or CFA preferred
  • Experience in residential mortgage trading and transaction management
  • Experience managing numerous relationships with trading counterparties, due diligence vendors and mortgage loan servicers
22

Residential Mortgage Senior Loan Closer Resume Examples & Samples

  • Process documents necessary for the settlement phase of residential mortgages for Fulton Bank, N. A. and affiliates. Maintaining excellent, high quality working relationships with attorneys and title companies, as well as internal and external customers. Obtaining and reviewing all conditions necessary to close residential mortgage loan, including but not limited to, title binder, fees, closing service letter, wire instructions and hazard and flood insurance policies for accuracy and meeting investor guideline standards. Review and approve certifications required for employee loan to assure accuracy and meeting guideline standards, termite, well, septic, structural, POA, maintenance agreement. Accurately preparing, composing and reviewing necessary documents for all settlements on all loan and product types, including assisting internal customers with documents needed for preparing second mortgages and combined program and products to meet required guidelines. Assuring accuracy and timely delivery of all closing packages. Objective is to deliver complete closing packages within 8 hours of scheduled closing date to meet customer expectation. Keeping management informed of relevant matters
  • Have thorough knowledge and background in the following areas Conventional and government mortgage closing process and ability to keep self educated in other mortgage lending guidelines and requirements used in combination with loan types. Fiserv Unifi loan origination system, particularly relating to the closing process and delivery functions. Home Mortgage Disclosure Act and Real Estate Settlement Procedures Act requirements and assure that data is reported correctly and accurately to avoid penalties. State and Federal laws in relation to mortgage loan closings
  • 3 or more years Mortgage banking and closing. (Required)
23

Residential Mortgage Credit Risk Analyst Resume Examples & Samples

  • Periodic reports regarding company risk profile Analyzes and comments on market and portfolio
  • Participates in the implementation of risk valuation models
  • Demonstrates the ability to evaluate, synthesize, organize and interpret data and information
  • Questions, examines, compares and confirms results
  • Develops and presents recommendations – power point
  • Highlights key changes in portfolios and potential causes
  • May be required to obtain appropriate professional or technical certification(s)
  • Basic knowledge of Consumer Credit products, appropriate banking laws, regulatory, compliance, underwriting, loan origination and servicing systems
  • Excellent oral, written and organizational skills
  • Good analytical and problem-solving skills including attention to detail
  • Understanding and utilization of statistical concepts
  • Strong technical skills, programming and utilization of analytical tools
  • Team and relationship building
  • Skilled in applicable computer software, e.g. Microsoft Word, Microsoft Excel, etc
24

Residential Mortgage Lender Resume Examples & Samples

  • Responsible for soliciting and bringing in mortgage business for the bank through previous contacts, relationships and referrals form real estate agents, builders, developers and branches
  • Ensures compliance with regulatory guidelines in the performance of loan originator duties
  • Ensures any re-disclosures are made timely. May order appraisals through system, arrange for title search and obtain necessary documents
  • Develops and maintains internal relationships to drive cross-sell opportunities for other bank products
  • Financial responsibilities are focused on creating and maintaining mortgage and residential construction loans
  • Advanced knowledge of residential construction and/or mortgage lending, processing, credit analysis and mortgage regulations
  • Broad knowledge of mortgage loan products, secondary market and underwriting guidelines. Proven sales experience and track record of achievement of sales
  • Working knowledge of federal, state and local regulatory mortgage lending requirements
  • Ability to work with various types of computer software. word processing, spreadsheets, etc
25

Residential Mortgage Loan Procr Resume Examples & Samples

  • Process documentation and pre underwrite conforming conventional, non-conforming, government and housing agency loans to the appropriate investor guidelines for Fulton Financial Corporation. Review application and generate disclosures for compliance with regulatory guidelines. Possess limited knowledge of conventional, government and housing agency mortgage products and underwriting guidelines. Maintain communication with customers throughout the processing period, ensuring that customer questions or concerns are resolved, that required documentation is received and that underwriting decisions are communicated clearly. Develop skillset to defuse volatile customer situations empathetically and professionally. Provide effective communication and professional partnership to Loan Officers, Mortgage Assistants, Underwriters, Closers and appropriate referral sources. Serves as liaison and point of contact between Loan Officers and Underwriters. Work with multiple departments and venders to provide a smooth borrower experience. Evaluate file for outstanding supporting documentation and communicate to borrower within 24 hours of file receipt. Document file in accordance with investor requirements to ensure salability to investor. Review credit report for accurate disclosure of current debt and inquiries. Submit file through applicable automated underwriting system for credit decision. Findings must be reviewed and interpreted for identification of additional items needed, if applicable. Set-up and update system of record with complete and accurate information. Evaluate DTI and LTV limitations in accordance with product guidelines to ensure loan meets investor requirements prior to submission to underwriting. Research and document source of all large deposits to meet investor and/or product requirements
  • Manage, with guidance and oversight ten to fifteen monthly closings to meet sales, customer and regulatory expectations for loan events, including but not limited to Loan Commitment due dates, Closing dates and coordination of clear to close for CD Delivery requirements. Loan data input for accuracy. Conduct frequent detailed and professional communication with customer to review file status including timely/ regular follow-upon outstanding items. Conduct weekly communication with Loan Officer to review file statuses. Accurate and timely coordination of re-disclosures including but not limited to the Loan Estimate, as necessary. Review and issue commitment letter to customer. Must have the skills and knowledge to understand terms and conditions of the loan approval to understand documentation acceptable to satisfy loan conditions. Responsible for clear to close files that include, acceptable homeowner insurance, all prior to close conditions cleared and accepted, final inspections ordered, re-verifications completed. Review rate lock expiration and documentation expiration date, update as necessary. Mailing finalized appraisal to customer within the regulatory timeframe to prevent closing delays. Review flood certification and mail necessary disclosures within regulatory timeframes, if applicable. Full understanding of Flood Requirements for insurance and notification is essential. Complete all compliance, loan quality initiative and fraud detection checks on borrower. Any potential fraud related issues found are to be reported to management and BSA immediately. Assure HMDA data is complete and accurate for reporting. Ingest loan file documents and all supporting documentation into system of record within 24 hours of receipt under the correct document type to maintain file consistency. Print all relevant documents from LOS and bank system, as applicable. Obtain verifications or complete verbal verification and updating LOS with current and validated information. Assist and provide back-up to the Residential Mortgage Processors ll
  • 1 or more years Residential Mortgage banking. (Required)
  • 1 or more years Processing experience. (Required)
26

Residential Mortgage Resume Examples & Samples

  • Develop policies, procedures and workflow for loan registration and pricing
  • Enforce rate lock policy and process rate lock request
  • Provide assistance to personnel and third party originators to field questions, relocks, extensions and system updates per rate lock policy
  • Manage the approval and distribution of off rate sheet pricing request
  • Present and train new clients and personnel on registering and locking loans during the onboarding process
  • Pricing Engine Implementation and Maintenance
  • Ensure daily pricing, adjustments and other relevant information is accurately loaded in the pricing engine
  • Maintain and sets up loan programs
  • Offer recommendations to streamline and improve processes
  • Process daily market price for pricing and generation of Rate Sheets
  • Communicate daily and intra-day price changes
  • Audit and validate daily pricing and perform pricing research as necessary
  • Review pipeline on daily basis to ensure that loans close and disburse within their lock terms
  • Generate and distribute daily lock status reporting to internal and external counterparties
  • Prepare pull through and other reporting to track the activity and performance of the third party originators
  • Produce daily rate comparison and market share reports and recommend pricing adjustments to maintain competitiveness
  • Monitor daily mortgage securities market and recommend intra-day re-pricing
  • Gather and prepare market commentary for daily distribution to senior management
27

AVP, Residential Mortgage Servicing Resume Examples & Samples

  • Establishing, monitoring, and ensuring performance as prescribed by mortgage servicing service level agreements related to servicing functions performed by sub-servicer, including producing monthly scorecard and metrics to track vendor performance
  • Providing recommendation for management on action plans to address identified performance issues
  • Creating and preparing ongoing reports related to vendor performance as per business needs and requirements established by MSPBNA Vendor Management Office
  • Coordinating and obtaining information from the vendor as per business needs and internal requests received from various business partners (including Operational Risk, Compliance, Credit/QC)
  • Designing assessments (testing) of sub-servicer activities of key functions related to servicing, in addition to implementing protocols and performing ongoing assessments
  • Creating, tracking, and reporting of requests submitted to the vendor from various internal sources, including requests received from the vendor for consideration
  • Analyzing requests received from vendor to assess impact on business, including client experience, and presenting recommendation to management for appropriate action
  • Tracking issues reported to the vendor and driving resolution of remediation action plans with subservicer
  • Perform backup support to other roles in the Servicing Area
  • Assist the Servicing Oversight Manager in supervising, coaching, and training the team as needed
  • Monitoring and reviewing invoices received by the vendor to ensure accuracy against agreed upon terms with subservicer, and coordinating with Operations for processing of payments
  • Facilitating monthly meetings with the vendor and documenting key discussion points with meeting minutes
  • 5 to 8 years of experience within mortgage servicing requirements, including loan onboarding, loan administration, default management and investor accounting
  • Must have a working knowledge of mortgage documents and an understanding of the mortgage life cycle
28

Wealth Management Residential Mortgage Lending VP Resume Examples & Samples

  • Assist the business by performing targeted Level 1 monitoring reviews and reporting
  • Along with the business, WM Legal and WM Compliance coordinate the implementation of
  • Proven analytical skills and well-developed organizational skills
  • Strong problem solving and judgment skills as they apply to compliance and regulatory issues
  • Excellent planning, organizational and prioritization skills
  • Ability to handle multiple complex tasks and perform under pressure in fast paced environment while meeting processing deadlines
  • Ability to work under pressure and deadlines with professionalism and tact
29

Residential Mortgage Analyst Resume Examples & Samples

  • Managing vendor relationships, including working with Procurement on contract negotiations and managing vendor risk
  • Coordination of Monthly Mortgage and Securitization Data Updates to PRISM
  • Working with Legal in preparing responses to regulatory inquiries
  • Reporting and administration of legal vehicles and securitization trusts used by Residential Finance
  • Mail Coordination & Invoice Payment
  • Regulatory reporting
  • Degree in business or related
  • 0- 2 years’ experience in capital markets
  • Very strong MS Excel
  • Intellectually curious
  • Quick-thinking
  • Able to juggle multiple tasks simultaneously