信任/实体审查专员
Trust/Entity Review Specialist
Trust和实体审核专员是非代理/非QM抵押贷款流程中的关键角色，负责审核和验证借款人实体文件，包括有限责任公司（LLCs）、合伙企业、公司和信托，以确保符合内部承销标准以及适用的机构和投资者指南。该职位确保在贷款进入承销或结案前，所有实体和信托结构都得到适当记录、授权并符合规定。理想的候选人应具备细致的注意力、对企业和信托结构的扎实理解，以及对非QM和非代理贷款要求的熟悉。
主要职责
- 审核和验证有限责任公司、公司、合伙企业和信托的文件，包括但不限于：组织章程/成立文件、运营协议、合伙协议、信托协议、公司决议、EIN文件和良好地位证明。
- 确认企业实体和信托有效、活跃，并根据适用情况正确记录和注册。
- 确保授权签署人和受托人明确识别，并有权代表实体或信托行事。
- 识别缺失、不一致或不符合规定的文件，并与内部团队沟通以及时解决问题。
- 分析实体和信托结构，确保与内部政策及适用的机构和投资者指南一致。
- 与承销员、处理人员和结案人员紧密合作，确保在贷款决策或放款前完成实体和信托文件。
- 维护准确的文档日志，并支持与实体和信托资格相关的质量控制和事后审计工作。
- 及时了解机构和投资者指南、合规标准及影响实体和信托借款人的内部流程的更新。
- 支持内部团队培训，并作为信托和实体文件相关问题的专家资源。
技能、知识和专长
- 需要高中文凭或同等学历；拥有商业、法律研究、金融或相关领域的副学士或学士学位优先。
- 至少2年抵押贷款操作或承销经验，具有非QM或非代理产品经验者优先。
- 精通审核和解读各种企业及信托实体文件。
- 熟悉非QM和非代理贷款要求。
查看英文原文
The Trust and Entity Review Specialist is a critical part of the Non-Agency/Non-QM mortgage process, responsible for reviewing and validating borrower entity documentation, including Limited Liability Companies (LLCs), Partnerships, Corporations, and Trusts—to ensure compliance with internal underwriting standards and applicable agency and investor guidelines. This role ensures all entity and trust structures are appropriately documented, authorized, and compliant before loans move forward to underwriting or closing. The ideal candidate has strong attention to detail, solid understanding of business and trust structures, and familiarity with Non-QM and Non-Agency lending requirements.
Key Responsibilities
- Review and validate documentation for LLCs, Corporations, Partnerships, and Trusts, including but not limited to: Articles of Organization/Incorporation, Operating Agreements, Partnership Agreements, Trust Agreements, Corporate Resolutions, EIN documentation, and Certificates of Good Standing.
- Confirm that business entities and trusts are valid, active, and properly documented and registered as applicable.
- Ensure authorized signers and trustees are clearly identified and have authority to act on behalf of the entity or trust.
- Identify missing, inconsistent, or non-compliant documentation, and communicate with internal teams to resolve issues promptly.
- Analyze entity and trust structures to ensure alignment with internal policies and applicable agency and investor guidelines.
- Collaborate closely with underwriters, processors, and closers to ensure entity and trust documentation is complete prior to loan decision or funding.
- Maintain accurate documentation logs and support QC and post-close audit efforts related to entity and trust eligibility.
- Stay informed of updates to agency and investor guidelines, compliance standards, and internal procedures impacting entity and trust borrowers.
- Support internal team training and act as a subject matter resource for trust and entity documentation-related questions.
Skills, Knowledge and Expertise
- High school diploma or equivalent required; Associate’s or Bachelor’s degree in Business, Legal Studies, Finance, or related field preferred.
- Minimum 2 years of experience in mortgage operations or underwriting, with Non-QM or Non-Agency product experience strongly preferred.
- Proficient in reviewing and interpreting a variety of business and trust entity documents.
- Familiarity with Non-QM underwriting processes and applicable agency and investor requirements.
- Highly detail-oriented with excellent analytical and documentation skills.
- Strong written and verbal communication skills.
- Ability to work independently in a fast-paced, deadline-driven environment.
- Proficiency in mortgage LOS platforms (e.g., Encompass) and standard office applications (Microsoft Office, Adobe PDF tools, etc.).
- Familiarity with legal documentation for trusts or other complex entity structures is a plus.
- Prior experience validating signer authority for corporate, partnership, and trust entities.
- Understanding of Secretary of State business search tools and public entity verification processes.
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