处理器
Processor
Rate 是国内顶尖的零售抵押贷款机构之一，提供无缝、技术驱动的体验，帮助客户实现购房和财务目标。成立于2000年，总部位于芝加哥，Rate 在全美50个州和华盛顿特区都有执照，并为超过200万业主提供了多种贷款产品、有竞争力的利率和个性化服务。Rate 拥有300多个办公室和12家以上子公司，员工超过5000人，其贷款专员在美国名列前茅。从购房到再融资，再到利用房产净值，Rate 让融资更快、更简单、更少压力。我们的技术——包括 Same Day Mortgage、Rate 应用、FlashClose℠、MyAccount 和语言援助计划——获得了 HousingWire、Scotsman Guide、NerdWallet、Chicago Tribune 和 Crain’s Chicago Business 的认可。了解更多请访问 rate.com。
职位简介：
处理员职位描述摘要：
我们致力于提供具有竞争力和公平性的全面薪酬包。该职位的薪资旨在吸引、留住并激励优秀人才。
该职位的预期基本年薪范围为 50,000 至 60,000 美元。职位描述：
作为处理员，你是操作的核心。你的主要职责是从 VP 销售迅速过渡到 UW 提交，最终到 CTC 并提交至结案。你需要处理文件以满足投资者和 GR UW 指南的要求，同时与其他团队成员合作与借款人和其他相关方沟通，确保贷款流程透明。你负责“保持一切有序”，通过跟进、重申期望并跟踪重要日期和订单，所有工作都在你预期的“任务时间”内完成。
可以在夏洛特地区远程办公
主要职责和职责
- 记录 VP 指令并审查贷款文件的所有细节
- 请求、获取并审查所有借款人的支持文件，并在必要时与借款人跟进
- 在收到签署的披露文件和借款人继续办理的意向后收取申请费用
- 处理剩余的第三方订单
- 根据需要更新 Encompass 并重新运行 AUS 以确保可批准性
- 整理文件以确保完整的 UW 提交，预见到所有可能的公司和投资者要求，并提交文件以达到 Clear to Close 的意图
- 一旦获得批准，准备并发送初始/有条件贷款承诺函给借款人，并上传至 EFolder
- 工作
查看英文原文
Rate is one of the nation’s top retail mortgage lenders, delivering a seamless, tech-driven experience that helps customers reach their homeownership and financial goals. Founded in 2000 and based in Chicago, Rate is licensed in all 50 states and D.C. and has helped over 2 million homeowners with a wide range of loan products, competitive rates and personalized service. With 5,000+ employees across 300+ offices and 12+ subsidiaries, Rate’s Loan Officers rank among the best in the country. From purchases and refinances to tapping into equity, Rate makes financing faster, simpler and less stressful. Our technology — including Same Day Mortgage, the Rate App, FlashClose℠, MyAccount and the Language Access Program — has earned recognition from HousingWire, Scotsman Guide, NerdWallet, the Chicago Tribune and Crain’s Chicago Business. Learn more at rate.com.
Job Profile:
ProcessorJob Description Summary:
"We are committed to providing a competitive and equitable total rewards package. The compensation for this role is designed to attract, retain, and motivate top talent.
The expected base salary range for this position is $50,000 to $60,000 annually.Job Description:
As a Processor, you are the center of the operation. Your primary focus is the swift transition from the VP sale to the UW submission then ultimately to CTC and submission to closing. You will process the file to satisfy investors and GR UW guidelines, while working with the rest of the team to communicate with the borrower and other interested parties to ensure a transparent loan process. You are responsible for "keeping everything together" by following up, restating expectations, and tracking important dates and orders, all within your expected "Time to Task."
Can be Remote in the Charlotte Area
Essential Duties and Responsibilities
- Note VP directives and review all details of loan file
- Request, retrieve and review all borrower supporting documents and follow up with borrower as necessary
- Collect application fee upon receipt of signed disclosures and borrowers' intent to proceed
- Process remaining third party orders
- Update Encompass and re-run AUS as necessary to ensure approvability
- Organize the file for complete and proper UW submission, anticipating all potential company and investor requirements, and submit file with intent of Clear to Close
- Once approved, prepare and send the initial/conditional Loan Commitment Letter to the borrower and upload to the EFolder
- Work with borrower or third parties to clear conditions and submit back to UW to obtain CTC
- Once CTC, prep file for clean submission to closing
- Review CD with Closing Coordinator and confirm it is accurate
- Confirm timely loan closing
- Confirm loan funding
Skills and Competencies
- Must utilize Encompass, Outlook and YBR
- Organizational skills, a strong sense of urgency and ability to adopt key technology tools are critical to the success of this role.
- Product knowledge and underwriting guideline proficiency required.
- Customer service and communication skills essential to provide best in class customer service.
Additional Job Description Summary:
Rate is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason protected by law.
The company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits; well-being benefits (e.g., employee assistance program); and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources).
Please click this link to learn more about our benefit offerings for Washington State: Benefit Offerings for Washington State
Originally posted on Himalayas