初级后期处理专员
Junior Post Closing Specialist
初级贷款后处理专员将负责从投资者处获取每日挂账报告。协助将来自投资者的条件录入到贷款管理系统（LOS）中。将文件上传至投资者网站，用于贷款的补救和购买。使用报表监控贷款的逾期情况，并在适用时获取还款历史记录。记录CEMA和COOP贷款的抵押品包的接收情况，并及时发送给投资者。提供所分配贷款的状态更新。在仓库和投资者之间处理抵押品请求。与二级市场合作，进行贷款资格审核和分配。
主要职责
- 从投资者网站获取每日挂账报告，以识别已被暂停购买的贷款。
- 在系统中记录挂账信息的通知；在收到挂账条件时，每天记录贷款首次条件的日期以及挂账的补救截止日期。
- 审核已关闭的贷款文件，确定挂账项目是否已在贷款文件中，并提交给投资者进行审查和补救。
- 与内部和外部部门及客户合作，及时获取所需文件以补救挂账项目。
- 在贷款管理系统中记录收到的文件，并及时将挂账文件上传至投资者网站，供其审查和购买贷款。
- 每日监控投资者的条件报告，以获取被暂停贷款或新条件的更新信息。
- 监控流程，确保所有发出的贷款均能及时得到条件处理或购买。
- 向主管汇报所分配贷款的状态。
- 根据监管指南准备并提供贷款后完成的披露文件和退款支票。
- 与仓库处理抵押品请求，并在贷款符合分配条件时通知二级市场。
- 通过贷款服务部门处理逾期贷款的还款历史请求。
- 学习并建立对机构和投资者指南；州和TRID法规的知识库。
技能、知识和专长
- 至少1年最近的房贷结案和/或后处理活动经验。
- 注重细节，具备优秀的沟通能力。
- 对内对外都具备优秀的客户服务技能。
- 具备良好的判断力和决策能力。
- 有使用贷款发起和/或服务系统的经验。
- 熟练使用Microsoft Office
查看英文原文
The Junior Post Closing Specialist will be responsible for obtaining daily suspense reports from Investors. Assist in logging of incoming conditions from Investors to LOS system. Upload documentation to the Investors sites for curing and purchasing of loans. Use reporting to monitor the aging of loans and obtaining pay histories when applicable. Document receipt of collateral packages for CEMA and COOP loans and promptly ship to investors. Provide updates on status of assigned loans. Process collateral request between warehouses and Investors. Work with Secondary for loan eligibility and allocations.
Key Responsibilities
- Pull daily Suspense reports from Investors sites to identify loans that have been suspended for purchase.
- Log notifications of suspense information in the system; documenting the date of the first condition issued on the loan daily upon receipt of the suspense condition and the suspense(s) cure by date.
- Review the closed loan file to determine if suspense item(s) are already in the loan file and submit to the Investor for review and curing of suspense.
- Work with internal and external departments, and clients to obtain needed documentation to cure suspense items timely.
- Log documentation received in LOS, and upload suspense documentation promptly to Investor sites for review and purchasing of the loans.
- Monitor daily condition reports from the investor for updates on suspended loans or new conditions as received.
- Monitor a pipeline to ensure all loans shipped are either conditioned or purchased in a timely matter.
- Provide updates on the status of assigned loans with Investors to Lead.
- Prepare and provide Post Consummation Closing Disclosures and refund checks as needed following regulatory guidelines.
- Process collateral request with warehouses and send notification to Secondary when eligible for allocation.
- Process request for Pay histories on aging loans through the Loan Servicing Department
- Learn and build knowledge base for both Agency and Investor guidelines; State and TRID regulations.
Skills, Knowledge and Expertise
- Minimum of 1 year experience in recent mortgage closing and/or post-closing activities.
- Detail-oriented, excellent communication skills.
- Excellent customer service skills with internal employees and external vendors.
- Excellent judgement and decision-making skills.
- Experience using loan origination and/or servicing systems.
- Proficient in Microsoft Office Suite.
- Professional and courteous.
Benefits
- Above market salary
- HMO on Day 1 for principal and two dependents
- Government-mandated benefits
- Performance-based Incentives
- Quarterly Company Events
- 1,000 PHP De Minimis
- Equipment and software provided
Originally posted on Himalayas