Careers

Position Summary:
Validates the receipt of required information to start the Underwriting and Disclosure process.

Qualifications:
Basic knowledge of mortgage terminology
Experience using DataTrac, Calyx Point and ConformX software
• Must be detail oriented and demonstrate accuracy and thoroughness
• Excellent customer service skills, including phone and email etiquette

Essential Duties/Responsibilities:
Interfaces loan data from Calyx/Point to DataTrac
Inputs and verifies supplemental information to underwriting sub-screens.
R Reviews new loan documentation to ensure accuracy and compliance
Requests documentation required for a complete loan package
Stacks loan submission documents

Qualifications:
• 2+ years of recent mortgage loan processing experience required
• Ability to answer heavy phone questions regarding the mortgage process
• Strong focus on quality and customer service
• Must be analytical with strong attention to detail
• Service and Team Oriented
• Computer skill needed: Microsoft Office, Outlook, Word, Excel

Position Summary:
Overall management of major segments within Post Closing Operations, including but not limited to Document Procurement, MERS, Government Insuring, Salability Resolution, Asset Sales, Repurchases and Loan Review.

Essential Duties/Responsibilities:
• Ensure proper risk, audit, and compliance controls exist to mitigate financial risk to the organization,
while maintaining an environment focused on quality customer service and production.
• Manage personnel issues including recruiting, interviewing and hiring, setting performance expectations,
conducting performance reviews and regular feedback, coaching and progressive discipline.
• Manage financial goals to include budget, forecasting, and capacity planning
• Assist senior management in setting the strategic direction for the department
• Build effective interpersonal relationships with other business partners, management, and subordinates
• Manage FTE of group and directs
• Continually monitor, analyze, and improve processes and accuracy to ensure quality and timely output
• Prepare/deliver business reviews to all levels of management
• Liaison between Production, Underwriting and Servicing

Qualifications:
• 8-10 years of mortgage or financial services experience required
• 8-10 years of operational management experience in related field required
• Experience in post closing operations including audit, resolution, document collection and government insuring preferred
• Strong leadership skills with demonstrated success in managing complex, geographically dispersed operations
• Excellent team development and change management skills
• Demonstrated ability to develop performance metrics, analyze performance trends and implement
changes to improve operating efficiency and organizational performance
• Proficient in setting strategic direction and execution of long term visionary plans
• Ability to manage and make independent decisions regarding business processes, vendor/temp usage
and staff reallocation based on backlogs and fluctuation in monthly volumes
• Superior verbal, written and interpersonal communication skills

Position Summary:

Data input of loan files prior to Document Technician’s review.
Duties/Responsibilities:

· Maintain company service levels; assists in providing appropriate turn times
· Interact with daily operations, broker and branch staff

Requirements:

· Minimum 1 year mortgage related experience
· Familiar with escrow/title practices
· Knowledge of regulatory compliance laws that apply to mortgage transactions
· Experience using Microsoft Office, DataTrac, Point/Calyx
· Strong sense of customer service
· Excellent oral and written communication skills
· Ability to handle a fast paced work environment
· Available to work extended hours, including weekends/evenings and Holidays
· Possess a Team Player mentality!

Position Purpose:
Review closing documents to ensure loan is compliant with loan approval, lock confirmation, product guidelines and State and Federal regulations.

Qualifications/Experience:
·         Minimum 3 years experience funding 1st and 2nd lien mortgage loans for FHA, VA, CONV, CalSTRS, CalHFA and 203K loan products
·         Thorough knowledge of loan products, underwriting guidelines, escrow/title practices, documentation requirements and regulatory compliance (MDIA, HVCC, RESPA, HPML)
·         Must be detail oriented with high level math skills
·         Possess excellent customer service skills; and have the ability to relate and work well with others
·         Must demonstrate professional behavior and teamwork
·         Ability to prioritize and multi-task to complete tasks on schedule, often in a stressful environment
·         Knowledge of Microsoft Office, Point/Calyx, DocMagic, Conformx and DataTrac
·         Must be able to work extended hours if needed, including evenings, weekends and Holidays

Essential Duties/Responsibilities:
·         Timely delivery of funding conditions to Processor and closing agent with clear and concise instructions as to necessary documentation required for loan funding.
·         Review of executed loan documents ensuring all necessary documentation is complete and accurate ensuring a salable loan on the secondary market
·         Balance loan file and work closely with closing agent to determine final wire/funding amount
·         Delivery of funded loan file to Shipping within required time frame
·         Prioritize and monitor workflow to meet funding deadlines
·         Ensure system is in place to track conditions and follow up items in a timely fashion
·         Provide detail oriented oral and written communication to Closing Agents, Brokers and Sales staff
·         Review 2010 HUD 1 ensuring all necessary corrections are made and accurate to state, federal and investor guidelines and regulations
·         Expected production level: fund 3-5 loans per day and check-in minimum of 4 per day.  Must be able to fund at least 100 loans per month when volume dictates

Position Summary:
Reviews disclosure information from broker/branch clients for completeness and accuracy.

Qualifications:
• Basic knowledge of mortgage terminology required
• Must be organized, detail oriented and thorough
• Good customer service skills, including phone and email etiquette
• Familiar with DataTrac, Calyx Point and ConformX
• Knowledge of Microsoft Office, Outlook, and the internet

Essential Duties/Responsibilities include, but are not limited to:
• Communicates with broker/branch clients and internal staff on disclosure submissions which are not in compliance
• Interfaces loan data from Calyx Point to ConformX.
• Issues initial disclosures (GFE, TIL and Federal/State compliance forms) to borrower and broker client
• Inputs and verifies supplemental information to underwriting subscreens.
• Creates a RESPA folder; completes RESPA Compliance Check

Position Summary:
Manages all compliance and risk operations including, legal/state research, loan document, state and regulatory exams, privacy, fraud, consumer complaints, adverse action, HMDA, RESPA, TILA, GLB and fair lending 
monitoring, et al.

Qualifications:
• Associate’s Degree (A.A.) or equivalent from a two-year college or technical school; and (7) years related experience.
• Must have good phone and email etiquette.
• Can work well with others regardless of status or position.
• Able to handle a fast paced environment.
• Good organizational skills.
• Strong PC knowledge (Microsoft Office, Word and Outlook).

Essential Duties/Responsibilities Include But Are Not Limited To:
• Implements and monitors all federal regulations and state laws, and regulations such as NMLS, SAFE Act, and RESPA Reform.
• Responsible for Document Management Initial Disclosures/Closing.
• Advise Management and Company on compliance issues an all levels of complexity.
• Monitor the complete and accurate capture and reporting of all information required under the Home Mortgage Disclosure Act (HMDA) for Loan Application Register (LAR) report.
• Create and execute internal compliance reviews/audits for all aspects of loan originations.
• Consult and advise on compliance aspects of the policy and procedures for Company.
• Develop and maintain policy and procedures for company.
• Determined the existence, reliability and effectiveness of internal risk management controls within the organization.
• Reviews QC Reports and Final Action Plan for investors and warehouse lines.
• Responsible for communication with investors regarding lending discrepancies.
• Works closely with Management and Underwriting to ensure loan quality.

Supervisory Responsibilities:
• Manages the audit staff.
• Hires, trains, assigns and directs work. Provides guidance and evaluates performance. Reconciles timesheets.

REQUIREMENTS:
* 3-5 years recent mortgage banking experience required.
* FHA / VA / FNMA / FHLMC guideline knowledge.
* Must be able to multi-task, work well under pressure and handle a fast paced environment.

Mountain West Financial has openings for Loan Officers. We are a California based Mortgage Banker, licensed by the Department of Real Estate under the California Residential Mortgage Act. (NMLS #164497). We specialize in purchase money transactions and provide excellent programs, support and training. We take pride in our “make sense” underwriting philosophy.
Applicants must have a current Loan Originator (MLO) endorsement, or be in the process of obtaining same. With many offices to serve your clients, call the office most convenient to you for an opportunity to join our team.