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Guaranteed Rate Affinity · 1 week ago

Reverse Mortgage Processor - PST

California, United States

Full-time

Onsite

Mid Level

$50K/yr - $65K/yr

3+ years exp

Guaranteed Rate Affinity is a joint venture between Guaranteed Rate, Inc. and Anywhere Integrated Services, providing mortgage lending services. The Reverse Mortgage Processor will work closely with Loan Officers to ensure a smooth mortgage process, manage closing dates, and deliver excellent customer service.

Customer ServiceFinanceFinancial Services

Responsibilities

Work closely with our Loan Officers to ensure a timely and accurate experience for our clients—from first time home buyers to refinancers—throughout the entire mortgage process

Scheduling and tracking of closing dates, contingency dates and loan lock expirations

Review loan approvals and address all conditions required for underwriting and closing

Receive on-going, comprehensive training and become an expert on home loan products and the mortgage process

Prepare and submit timely and accurate loan files to the Closing Department

Use state of the art technology to manage your loan pipeline as well as conduct credit and underwriting analysis

Provide world-class customer service and respectful, consultative guidance to your clients

Qualification

Non-Qualified Mortgage processingCalifornia mortgage regulationsUnderwriting Bank Statement loansComplex income calculationEncompass softwareFannie Mae Desktop UnderwriterFreddie Mac Loan ProspectorCustomer serviceCommunication skillsProblem solving skillsAttention to detail

Required

Extensive experience originating or processing Non-Qualified Mortgage (Non-QM) loans

Deep working knowledge of California-specific mortgage regulations and loan programs

Proven expertise in underwriting or processing Bank Statement loans

Proficiency in complex income calculation methodologies, accurately assessing income for both wage earners (W-2) and self-employed borrowers (e.g., analyzing tax returns, profit and loss statements)

3+ years of recent experience in an operational role preferred in the residential mortgage industry – Conventional, Jumbo, and Non-QM

Experience using Encompass, Fannie Mae's Desktop Underwriter and Freddie Mac's Loan Prospector

Excellent disposition, mindset, communication skills and work ethic

Ability to multi-task with strong attention to detail while meeting deadlines in a fast-paced environment

Strong listening, problem solving skills and out of box thinking

An inherent love of and desire to serve clients and create something unique and fantastic

A commitment to integrity and customer service