Guild Mortgage Jobs in Usa
423 positions found
The Guild of Artists & Artisans (The Guild) is a non-profit, membership association of independent artists founded in 1973 in Ann Arbor, Michigan. Its mission is to promote community awareness, understanding and appreciation of the visual arts and to maintain a support network for artists, which provides educational, mentoring and marketing opportunities. It furthers this mission by: producing nine fine art fairs, managing The Gutman Gallery, and working with young artists in The Guild’s Emerging Artist Program.
The Guild is offering various paid internships for our summer 2026 art fair season.
- Marketing + Partnerships Intern 2026
- Artist Relations Intern 2026
- Event Operations Internship 2026
- Business Merchandising Intern 2026
To find our more about these opportunities and to apply, visit:
: Interested individuals over the age of 18 are eligible for internships. The Guild provides equal opportunity to its applicants.
Location: The Guild is located at 118 N 4th Ave, Ann Arbor, Michigan. Guild Internships are hybrid positions, and candidates must be able to work in office at our Ann Arbor location.
Job post summary
Pay: $21.00 - $24.00 per hour
Job description:
Job Summary
We are seeking a motivated Processor Assistant for our El Centro, CA branch In this vital role, you will support the loan processing and underwriting functions, ensuring accurate and efficient handling of mortgage and loan documentation. Your contributions will help streamline loan origination processes, uphold compliance with Fair Housing regulations, and maintain high standards of customer service. This position offers an exciting opportunity to develop expertise in FNMA (Fannie Mae), mortgage servicing, credit analysis, and related areas within a fast-paced, growth-oriented environment.
Duties
- Assist with the collection, review, and organization of loan documentation to ensure completeness and accuracy.
- Support loan officers and underwriters by preparing necessary files for review, including verifying borrower information and supporting materials.
- Process loan applications in accordance with FNMA guidelines and federal regulations such as TILA (Truth in Lending Act) and Fair Housing laws.
- Conduct basic credit analysis by reviewing borrower financial data, including income, assets, and liabilities.
- Support mortgage servicing activities by tracking loan status updates, escrow payments, and contractual obligations.
- Maintain compliance with banking standards, contracts, and regulatory requirements throughout the loan processing cycle.
Skills
- Strong knowledge of FNMA guidelines and underwriting principles to ensure compliant loan processing.
- Experience with loan origination systems and mortgage servicing platforms.
- Familiarity with Fair Housing regulations to promote equitable lending practices.
- Ability to perform credit analysis with attention to detail and accuracy.
- Proficiency in TILA disclosures, contracts review, and basic math calculations related to loans and escrow accounts.
- Excellent organizational skills with the ability to handle multiple tasks efficiently in a fast-paced environment.
- Basic math skills combined with 10-key typing proficiency for precise data entry. Join us as a Processor Assistant to be part of a dedicated team committed to delivering exceptional financial solutions while advancing your career in the mortgage industry!
Benefits:
- 401(k)
- Dental insurance
- Health insurance
- Paid time off
- Professional development assistance
- Vision insurance
Work Location: In person
Loan Officer Opportunity – Join Loanplex Mortgage (Bellflower, CA)
Loanplex Mortgage is growing, and we’re looking for a high-performing Loan Officer to take on incoming leads and help us serve a diverse range of clients with excellence.
If you’re a motivated, accountable, and self-driven professional who thrives on generating business through referrals, consistent follow-up, and relationship-building, we want to meet you.
- 3+ years of loan origination experience
- Comfortable working with complex client scenarios
- Strong communication skills — Bilingual (English/Spanish) preferred
- NMLS & CA DRE licenses required
- In-office position (not remote) at our Bellflower headquarters
- A true self-starter who knows how to turn leads into closings
- Someone who loves helping families, investors, and self-employed clients navigate financing with clarity and confidence
- Receive qualified leads from our marketing and referral network
- Build and maintain strong client relationships
- Strategize financing options for a wide variety of borrowers
- Follow up consistently from first contact to closing
- Represent Loanplex Mortgage with professionalism and integrity
Loanplex Mortgage is a client-focused mortgage brokerage with a reputation for service, transparency, and results. With over 40 years of combined experience behind our brand, we're committed to helping clients reach their homeownership and investment goals—and we’re ready to bring on the right Loan Officer to grow with us.
If you’re ready to join a strong team, work in a professional environment, and grow your business with real support and real leads, we’d love to connect.
Let’s fund dreams forward.
Send your resume and a brief introduction to Or Call 562-330-1313
We offer the best of both worlds: W-2 employment status with a Broker-level compensation plan that rewards your growth.
We provide the processing, the technology, and the lending power (UWM, Kind, Pennymac, etc.).
You provide the origination.
We believe in total transparency.
You know exactly what you make on every file.
Status: W-2 Employee (We handle your payroll taxes—no quarterly 1099 headaches).
Starting Comp: 50% Split (Approx.
130 BPS Net to you).
This is already higher than most retail banks pay their top producers.
Growth Track: Tier 1 ($0–5M Volume): 50% Split (~130 BPS) Tier 2 ($5M–15M Volume): 65% Split (~169 BPS) Tier 3 ($15M–30M Volume): 75% Split (~195 BPS) Tier 4 ($30M+ Volume): 80% Split (~208 BPS) Pricing Model: We price loans competitively but do have a floor.
In-House Processing: We deduct a small 15bps fee from the gross revenue to provide dedicated processing on your files.
You sell; we chase the conditions.
Top-Tier Tech Stack: Full access to ARIVE (LOS), corporate email, and pricing engines ($65/mo tech fee).
Lender Access: Direct access to the nation's top wholesale lenders (UWM, Kind, Pennymac, etc.) for better rates and 14-day closings.
Who We Are Looking For: Active NMLS License required.
Self-Generated Business: You are a hunter.
You have relationships with Realtors and past clients.
(We provide the systems to nurture them, but you bring the hustle).
Ethical & Compliant: You understand that "Compliance protects the commission." We run a clean shop.
Tech-Capable: You are comfortable working remotely, using Zoom, and managing a digital pipeline.
Why Switch? Most LOs are stuck in a "Retail Trap"—earning 90bps while the company keeps majority.
At SIM REI, we flip the model.
You keep the majority of the revenue because you are the one bringing in the business.
Ready to give yourself a raise? Apply today to schedule a confidential call.
Position Title: Team Leader
- Mortgage Locations: St.
Louis_MO Time Type: Full time Req ID: JR1038-St.
Louis_MO At Midland, we’re proud to be a little different.
You can see it in our bright orange signs-but there’s more to it than that.
With our heartfelt and personalized approach, we’re focused on meeting every customer’s needs with the brightest solutions.
For more than 140 years, we’ve learned by serving customers skillfully with dedication and follow-through, we can brighten every interaction to drive our collective success.
And this goes beyond traditional banking.
We foster programs that empower our communities, continuously invest in our employees, and actively pursue brighter futures for all.
Our humble ambition keeps us growing, giving back, and looking ahead.
We’re innovating and optimizing our services to ensure we stay unique
- providing strength you can count on with heart you can feel.
You might say we’re unlike any other bank.
And you’d be right." At Midland States Bank, base salary is one component of our Total Rewards program.
Exact compensation is determined by factors such as (but not limited to) education, skills, internal equity, and experience.
This position offers additional compensation in the form of short-term incentives (i.e.
bonus and/or commission) and may include long-term incentives (i.e.
stock awards).
Benefits for this role include comprehensive healthcare, well-being benefits, paid family leave as well as generous paid time off.
Total Rewards also include banking perks, an Employee Stock Purchase Plan, 401K plan with company match and may include the opportunity to participate in our Non-Qualified Deferred Compensation plan.
Incentives and benefits are subject to eligibility requirements.
Salary Range: $50,200 annually variable compensation package Location Requirement: This position is responsible for leading the Mortgage team within our St.
Louis Region and requires candidates to reside in or be willing to regularly work within this market.
Position Summary This position performs a wide range of duties relating to the origination of residential mortgage loans for branch offices and outside referrals.
Meet standards and objectives defined by management for personal mortgage loan sales and cross-selling objectives.
Assume overall responsibility for the residential mortgage loan from application to closing on personal production.
In addition, responsible for overall production of the team and the day-to-day management of each Loan Originator (LO).
Effectively partner with fulfillment Operations to drive closed volume.
This position is a leadership role.
Primary Accountabilities People Manages a team of professionals in a customer-centric culture to excel in a fast-paced environment.
Coaches, develops, and conducts performance management activities with direct and indirect reports.
Identifies high-potential employees for advanced training and development opportunities.
Effectively manages poor performers.
Manages a team of at least 1 Mortgage Loan Originator (MLO) or Jr.
Mortgage Loan Originator.
Relationship Management and Sales Development Develops and nurtures relationships with referral sources to generate new business opportunities.
Cultivates a sales-focused culture within the team and contributes to the development of effective marketing strategies.
Fosters a culture of compliance and ethical sales practices.
Ability to generate annual production in excess of $20 million.
Manages personal and team production to achieve monthly production goals.
Holds business plan reviews with sales team.
Builds strategic and tactical plans for driving volume growth in assigned area.
Participates in sales calls with Loan Originator’s.
Identifies opportunities for improvement in systems and procedures to enhance efficiency.
Accountable for verifying all loan originators are in compliance with state and federal regulation, as well as policies and procedures set by the bank.
Monitors quality levels of loan originators to insure adherence to standards.
Serves as an intermediary for loan issues with processing, manager and underwriting manager.
Provides support at bank sponsored events.
Other The role requires occasional travel for training and team meetings, and willingness to travel periodically, to locations within market as needed.
May require work in a Midland office to ensure collaboration and support of internal and external customers.
Maintain compliance with all applicable regulations including, but not limited to, the Bank Secrecy Act (BSA).
Other duties as assigned.
Position Qualifications Education/Experience: Bachelor’s degree in business, finance, real estate, or related field.
Minimum of 3 years of experience leading teams with demonstrated success coaching and motivating team members.
5 years’ experience in real estate/mortgage sales required.
NMLS State License or Federal NMLS Registration.
Strong entrepreneurial and business development/sales experience/skills.
Knowledge of FHA, FNMA and FHLMS underwriting guidelines.
Subject matter expert in mortgage compliance regulations.
Business acumen and judgment- bank mortgage products, policies, and procedures.
Needs analysis skills
- analyzing information regarding customer income/debts, etc.
Interpersonal/Persuasive/Influencing and negotiation skills.
In-depth knowledge of conventional, government, and portfolio guidelines.
Knowledge of residential mortgage processing, underwriting, and closing procedures.
Knowledge of federal lending regulations governing real estate lending.
Excellent oral, written, and interpersonal communication skills with the ability to instruct others, interpret documents, and write reports and correspondence.
Excellent organizational and time management skills.
Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
Competencies: Business insight Cultivates innovation Drives results Makes sound decisions Being a brand champion Collaborates Communicates effectively Customer focus Being Authentic Emotional Intelligence Self development Being flexible and adaptable At Midland States Bank, we believe that when we can bring our whole selves to work each day, we become happier, more comfortable, more confident and more excited to do great things for our customers, each other and our company.
We’re proud to be an Equal Opportunity and Affirmative Action employer.
At Midland, we recruit, employ, train, compensate and promote without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.
If you are looking for a place to grow, we encourage you to apply at Midland States Bank, because you belong here.
If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please direct your inquiries to Midland States Bank Human Resources at
Midland States Bank may use automated tools and artificial intelligence (“AI”) to assist with recruiting, screening, and hiring decisions.
In accordance with the Illinois Human Rights Act (effective January 1, 2026), these tools are designed and monitored to be neutral and job-related, and must not be used in a way that discriminates against applicants or employees based on any protected characteristic.
THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT PI2b2d3a750e2c-25448-39944324
Job Title: Senior Mortgage Processor
Department: Mortgage Lending
Department Location: Littleton, MA
Reports to: Senior Director, Mortgage Productions
Career Stream: Individual Contributor
Classification: Hybrid
Compensation: The base pay of the budgeted range is $25-35 per hour. Actual compensation offered may vary from the posted hiring range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer.
FUNCTION: Responsible for performing a variety of tasks to ensure that mortgage and home equity loan applications are processed accurately and efficiently. Ensures all files are complete and compliant with Workers Credit Union policies, investor requirements, mortgage insurance standards, and applicable government loan regulations.
ESSENTIAL JOB DUTIES AND RESPONSIBILITIES:
*For Both Mortgage Processor and Senior Mortgage Processor:
- Prepare and review initial disclosure packages, including Loan Estimates, ensuring accurate loan setup and compliance with loan program guidelines.
- Deliver disclosure packages to members via eSign or mail, based on their communication preferences.
- Order and track required third-party reports such as appraisals, title, flood certifications, tax transcripts, and employment verifications.
- Review borrower documentation for completeness and alignment with AUS findings; request and collect any outstanding items.
- Process home equity applications from approval to closing, including communication with members, delivering required documents, and clearing pre-closing conditions.
- Monitor and review title and property condition reports, escalating any issues to underwriting as needed.
- Ensure timely submission of loan files to underwriting; update the LOS with verified information and clear conditions as received.
- Manage government loan files, including coordination with lenders, tracking conditions, and providing updates to borrowers, MLOs, and agents.
- Track key milestones such as underwriting timelines, financing contingencies, closing dates, and rate lock expirations; communicate proactively with MLOs.
- Prepare and issue revised Loan Estimates in compliance with TRID for any changes in circumstance.
- Communicate approvals to all relevant parties and conduct pre-funding audits, including verbal employment verifications.
- Support the closing process and ensure confidentiality of all borrowers and loan information.
- Uphold the Workers Credit Union “Workers Way” culture through daily interactions and behaviors.
- Perform other duties as assigned to support departmental and organizational goals.
*Additional Responsibilities for Senior Mortgage Processor:
- Serve as a subject matter expert and resource for junior processors, providing guidance on complex loan scenarios, regulatory compliance, and internal procedures.
- Support the training and onboarding of new team members and temporary staff in collaboration with processing leadership.
- Take ownership of high-volume or high-complexity pipelines, including jumbo loans, construction loans, and government-backed programs.
- Lead or participate in departmental initiatives aimed at improving processing efficiency, compliance, and member experience.
- Support the implementation of policy updates, system enhancements, and procedural changes in coordination with mortgage processing leadership
Other Duties:
- May be asked to provide coverage in other WCU branches or departments.
- Adhere to all WCU policies and procedures which include security compliance and following guidelines intended to limit risk exposure to fraud and losses.
- Participates in department and/or organizational projects as directed.
- Performs other tasks or functions as required, requested, necessary or prudent.
- Maintains confidentiality of all member and credit union information and data.
- Regularly demonstrates behaviors as defined by the credit union’s Fundamentals, which are part of the Workers Way culture program.
Education
- High School Diploma or Equivalent Required.
Experience:
- 2-4 years of experience managing both first mortgage and home equity loan files from initial disclosure through closing. Skilled in reviewing and validating borrower documentation, ordering third-party reports, reviewing underwriting conditions, and ensuring compliance with TRID and investor guidelines. Proficient in using loan origination systems (LOS), coordinating with internal teams and external partners, and maintaining clear communication with borrowers to ensure timely and accurate closings. Known for attention to detail, efficiency in pipeline management, and delivering exceptional service while upholding confidentiality and organizational values.
- Additional Qualifications for Senior Mortgage Processor:
- 4-7 years of experience. Demonstrated ability to handle complex loan scenarios, including jumbo, construction, and government-backed loans. Experienced in mentoring junior processors, resolving escalated issues, and serving as a subject matter expert within the team. Proven track record of leading process improvements, maintaining high pipeline efficiency, and delivering exceptional service. Recognized for attention to detail, leadership, and commitment to confidentiality and organizational values.
Knowledge/Skills/Abilities/Competencies:
- A successful Processor possesses strong knowledge of mortgage products, regulatory guidelines (including TRID, RESPA, and HMDA), and loan processing procedures. Proficiency with loan origination systems, AUS platforms, and document management tools is essential. Key skills include attention to detail, strong organization, effective communication, and the ability to manage multiple files and deadlines simultaneously. The role requires a customer-focused approach, confidentiality, adaptability, and collaboration with internal teams and external partners to ensure efficient, compliant loan processing and exceptional member service.
Work Environment:
- Hybrid Work Environment: This position offers a hybrid work environment, combining remote work with regular on-site days at the Littleton Headquarters. This work environment is subject to change based on business needs.
Physical Demands:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
- This is a largely sedentary role.
- While performing the duties of this job, the employee is regularly required to stand, talk, hear, and use hands and fingers to handle, feel or operate objects, tools, or controls and to reach with hands and arms.
- This role routinely uses standard office equipment such as computers, phones, photocopier/scanner, filing cabinets, and fax machines.
About Workers Credit Union: Since 1914, Workers Credit Union has existed to Improve the Daily Lives of our Members. We deliver on our core purpose by partnering with our members to help them make their best financial choices and improve their financial wellness. We call this The Workers Way and this is at the center of everything we do. Through our specialized financial counseling, we are pioneering a new member experience through high-touch service and convenient technology. We have grown to over 2.6 Billion in assets and serve over 120,000 members. We are one of the top performing credit unions in Massachusetts with big plans for the future!
Benefits:
- Comprehensive medical, dental and vision plans
- Basic life and AD&D insurance, short-term disability and long-term disability
- 15+ days of paid time off (PTO) per year
- Up to 16 hours of volunteer time off (VTO) per year
- 11+ paid holidays
- 401(k) that includes a Safe Harbor Match of up to 4%.
- Tuition Reimbursement Program
- Mental health resources including an Employee Assistance Program (EAP)
- Individualized learning and development programs
EEO Statement: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, vet
Locations: Rockford_IL
Time Type: Full time
Req ID: JR1307-Rockford_IL
At Midland, we’re proud to be a little different. You can see it in our bright orange signs-but there’s more to it than that. With our heartfelt and personalized approach, we’re focused on meeting every customer’s needs with the brightest solutions.
For more than 140 years, we’ve learned by serving customers skillfully with dedication and follow-through, we can brighten every interaction to drive our collective success. And this goes beyond traditional banking.
We foster programs that empower our communities, continuously invest in our employees, and actively pursue brighter futures for all.
Our humble ambition keeps us growing, giving back, and looking ahead. We’re innovating and optimizing our services to ensure we stay unique - providing strength you can count on with heart you can feel.
You might say we’re unlike any other bank.
And you’d be right.
At Midland States Bank, base salary is one component of our Total Rewards program. Exact compensation is determined by factors such as (but not limited to) education, skills, internal equity, and experience. This position offers additional compensation in the form of short-term incentives (i.e. bonus and/or commission) and may include long-term incentives (i.e. stock awards). Benefits for this role include comprehensive healthcare, well-being benefits, paid family leave as well as generous paid time off. Total Rewards also include banking perks, an Employee Stock Purchase Plan, 401K plan with company match and may include the opportunity to participate in our Non-Qualified Deferred Compensation plan. Incentives and benefits are subject to eligibility requirements.
Salary Range: $50,200 annually + variable compensation package
Location Requirement:
This position supports our Rockford and Northern Region, including Lee County, and requires candidates to reside in or be willing to regularly work within this market.
Position Summary
This position performs a wide range of duties relating to the origination of residential mortgage loans for branch offices and outside referrals. Meet standards and objectives defined by management for personal mortgage loan sales and cross-selling objectives. Assume overall responsibility for the residential mortgage loan from application to closing on personal production. In addition, responsible for overall production of the team and the day-to-day management of each Loan Originator (LO). Effectively partner with fulfillment Operations to drive closed volume. This position is a leadership role.
Primary Accountabilities
People
- Manages a team of professionals in a customer-centric culture to excel in a fast-paced environment.
- Coaches, develops, and conducts performance management activities with direct and indirect reports.
- Identifies high-potential employees for advanced training and development opportunities.
- Effectively manages poor performers.
- Manages a team of at least 1 Mortgage Loan Originator (MLO) or Jr. Mortgage Loan Originator.
Relationship Management and Sales Development
- Develops and nurtures relationships with referral sources to generate new business opportunities.
- Cultivates a sales-focused culture within the team and contributes to the development of effective marketing strategies.
- Fosters a culture of compliance and ethical sales practices.
- Ability to generate annual production in excess of $20 million.
- Manages personal and team production to achieve monthly production goals.
- Holds business plan reviews with sales team.
- Builds strategic and tactical plans for driving volume growth in assigned area.
- Participates in sales calls with Loan Originator’s.
- Identifies opportunities for improvement in systems and procedures to enhance efficiency.
- Accountable for verifying all loan originators are in compliance with state and federal regulation, as well as policies and procedures set by the bank.
- Monitors quality levels of loan originators to insure adherence to standards.
- Serves as an intermediary for loan issues with processing, manager and underwriting manager.
- Provides support at bank sponsored events.
Other
- The role requires occasional travel for training and team meetings, and willingness to travel periodically, to locations within market as needed.
- May require work in a Midland office to ensure collaboration and support of internal and external customers.
- Maintain compliance with all applicable regulations including, but not limited to, the Bank Secrecy Act (BSA).
- Other duties as assigned.
Position Qualifications
Education/Experience:
- Bachelor’s degree in business, finance, real estate, or related field.
- Minimum of 3 years of experience leading teams with demonstrated success coaching and motivating team members.
- 5 years’ experience in real estate/mortgage sales required.
- NMLS State License or Federal NMLS Registration.
- Strong entrepreneurial and business development/sales experience/skills.
- Knowledge of FHA, FNMA and FHLMS underwriting guidelines.
- Subject matter expert in mortgage compliance regulations.
- Business acumen and judgment- bank mortgage products, policies, and procedures.
- Needs analysis skills - analyzing information regarding customer income/debts, etc. Interpersonal/Persuasive/Influencing and negotiation skills.
- In-depth knowledge of conventional, government, and portfolio guidelines.
- Knowledge of residential mortgage processing, underwriting, and closing procedures.
- Knowledge of federal lending regulations governing real estate lending.
- Excellent oral, written, and interpersonal communication skills with the ability to instruct others, interpret documents, and write reports and correspondence.
- Excellent organizational and time management skills.
- Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
Competencies:
- Business insight
- Cultivates innovation
- Drives results
- Makes sound decisions
- Being a brand champion
- Collaborates
- Communicates effectively
- Customer focus
- Being Authentic
- Emotional Intelligence
- Self development
- Being flexible and adaptable
At Midland States Bank, we believe that when we can bring our whole selves to work each day, we become happier, more comfortable, more confident and more excited to do great things for our customers, each other and our company. We’re proud to be an Equal Opportunity and Affirmative Action employer. At Midland, we recruit, employ, train, compensate and promote without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. If you are looking for a place to grow, we encourage you to apply at Midland States Bank, because you belong here.
If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please direct your inquiries to Midland States Bank Human Resources at
Midland States Bank may use automated tools and artificial intelligence (“AI”) to assist with recruiting, screening, and hiring decisions. In accordance with the Illinois Human Rights Act (effective January 1, 2026), these tools are designed and monitored to be neutral and job-related, and must not be used in a way that discriminates against applicants or employees based on any protected characteristic.
THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT
PI0095545c261a-38
Position Summary
The Mortgage Servicing Administrator performs day-to-day loan servicing functions for CapCenter’s mortgage servicing portfolio, with a primary focus on escrow administration, payment processing, and custodial account management. This role is critical to ensuring compliance with GSE servicing requirements (Fannie Mae and Freddie Mac) and maintaining accurate borrower account records within CapCenter’s servicing platform.
The ideal candidate brings hands-on experience in mortgage loan servicing operations, a strong understanding of escrow management workflows, and the ability to execute detailed procedures in a regulated environment. Essential duties and responsibilities include but are not limited to the following.
Escrow Administration
- Perform annual escrow analyses, including surplus disbursements, shortage collection, and deficiency resolution in accordance with RESPA requirements.
- Process escrow disbursements for property taxes, homeowner’s insurance, mortgage insurance, and flood insurance, ensuring timely payments to taxing authorities and insurance carriers.
- Monitor escrow accounts for accuracy, reconcile discrepancies, and resolve borrower inquiries related to escrow balances and adjustments.
- Manage escrow cushion calculations and ensure compliance with aggregate accounting requirements.
- Process insurance loss draft claims and track disbursement of funds for property repairs.
Payment Processing & Loan Administration
- Process and apply borrower payments including regular monthly payments, principal curtailments, and payoff proceeds.
- Monitor and manage suspense accounts, ensuring unapplied funds are properly resolved within required timeframes.
- Process ACH/recurring payment enrollments and manage payment reversals, NSF transactions, and payment corrections.
- Assist with loan boarding activities for newly originated or acquired loans, verifying data integrity across servicing system fields.
- Generate and distribute periodic borrower statements, payment histories, and year-end tax documents (1098s).
Custodial Accounting & Reporting
- Support custodial account reconciliation processes, ensuring proper separation between investor funds (P&I and T&I custodial accounts) and corporate operating accounts.
- Assist with preparation of investor remittance files and reporting to Fannie Mae and Freddie Mac as required.
- Maintain accurate records supporting net servicing fee calculations and servicer revenue recognition.
Compliance & Quality Control
- Execute servicing functions in compliance with Fannie Mae Servicing Guide, Freddie Mac Servicing Guide, RESPA, TILA, Regulation E, and other applicable federal and state regulations.
- Participate in quality control reviews and internal audits, assisting with remediation of identified deficiencies.
- Maintain organized documentation and audit trails for all servicing transactions.
- Assist with regulatory exam preparation and respond to examiner information requests as directed.
Borrower Communication & Support
- Serve as a point of contact for borrower inquiries related to escrow, payment application, and general servicing questions.
- Draft and process borrower correspondence including escrow analysis statements, payment change notices, and regulatory disclosures.
- Support early-stage delinquency outreach and loss mitigation intake activities as needed.
Required Qualifications
- Minimum 2–4 years of experience in mortgage loan servicing operations.
- Demonstrated experience in escrow administration, including annual escrow analysis, tax and insurance disbursements, and escrow shortage/surplus processing.
- Working knowledge of RESPA, TILA, Regulation E, and GSE servicing requirements (Fannie Mae and/or Freddie Mac).
- Experience with mortgage servicing platforms (FICS Mortgage Servicer experience strongly preferred).
- Proficiency in Microsoft Office Suite, particularly Excel for reconciliation and data validation tasks.
- Strong attention to detail and ability to work accurately in a deadline-driven, compliance-focused environment.
- Bachelor’s degree in business, finance, or related field preferred.
Preferred Qualifications
- Experience working within a Fannie Mae or Freddie Mac approved servicer environment.
- Familiarity with custodial accounting practices and investor reporting.
- Experience with loan boarding, payoff processing, and suspense account management.
- Knowledge of collections and early-stage loss mitigation procedures.
- Prior experience in a start-up or build-out servicing operation.
Do you desire a Change? Check out Diamond where we to blend hard work and FUN!
Diamond's culture is made up of a team of driven and passionate employees that care about helping others. When you work at Diamond, you will find that you can have more than just a job here, you can build your career. Diamond employees believe in doing more for our members and more for our community, which is what has helped make us one of the Best Places to work in PA for 10 consecutive years. See how your career can grow when you start working with Diamond Credit Union.
Position Summary:
Mortgage Originator originates all first mortgage, 1st lien, home equity, and HELOC applications for members and potential members, properly identifying the appropriate product based on member's needs, objectives, and circumstances.
Supervisory Responsibilities:
No direct reports
Essential Functions:
- Take complete and accurate mortgage, 1st lien, Home Equity, and HELOC loan applications for all real estate loan requests, following applicable regulations, policies, procedures, and guidelines.
- Manage individual application pipelines and assist in collecting additional processing documents as needed. Assist in managing pipelines of team members as needed.
- Assist in achieving overall departmental and individual goals by delivering real estate loans per the established service standards of delivery.
- Communicate with all parties concerning the processing loan applications including borrowers/buyers, realtors, builders, inspectors, etc.
- Negotiate terms and conditions of real estate loans with borrowers.
Requirements
Required Skills / Abilities:
- Demonstrated dedication to positive, member-focused service.
- Must meet loan originator standards under the Truth in Lending Act.
- Ability to meet all standards under the SAFE Act and be registered as a mortgage loan originator through the NMLS
- Ability to pass FBI background check.
- Strong interpersonal and communication skills to ensure member related issues are handled in a fair, consistent manner.
- Strong sales skills.
- Ability to function well in a high volume, fast paced environment.
- Ability to work through member situations and provide effective and accurate resolutions.
- Strong organizational skills and attention to detail.
- Proven ability to meet deadlines.
- Proficient with Microsoft Office Suite and mortgage origination systems.
- Ability to travel.
- Ability to network with realtors if the opportunity presents itself.
- Ability to participate in member educational activities.
- Knowledge and understanding of different loan types and products.
Education / Experience:
- Bachelor's degree in business administration or related discipline or equivalent experience.
- Three plus years of real estate lending origination experience, specifically conventional mortgage origination following Fannie Mae or Freddie Mac guidelines.
- Two plus years real estate lending origination experience, specifically in home equity and HELOC origination, with demonstrated sales experience.
- Experience in using an automated loan origination systems including automated underwriting platforms.
- Working knowledge of standard real estate products in the industry and strong knowledge of underwriting guidelines and regulations.
- Experience with government programs such as FHA/VA is a plus.
Diamond Credit Union complies with all laws related to equal employment opportunity. It is the policy of the Credit Union to not discriminate against any employee or applicant because of sex (including gender identity, gender expression, sexual orientation, pregnancy, and pregnancy related decisions). Diamond Credit Union will not engage in any discriminatory employment practices based on race, color, religion, gender, age, national origin, ancestry, veteran status, disability, or any other characteristics protected by law.
Remote working/work at home options are available for this role.
The Mortgage Investor Reporting Specialist will be responsible for the daily and/or monthly reporting, remitting, and reconciling of mortgage loan activity for mortgage loan portfolios, including those sold to Fannie Mae, Freddie Mac, and Federal Home Loan Bank.
As a Mortgage Investor Reporting Specialist, you will:
- Monitor and maintain investor reporting and remittance deadlines established by each investor.
- Perform investor reporting and remitting accurately and on time to avoid penalties and/or compensatory fees assessed by the investor.
- Resolve reporting and remittance differences by performing loan level analysis and clearing exceptions based on each investor's requirements.
- Complete monthly custodial account reconciliations based on each investor's requirements.
- Perform daily and monthly system balancing to ensure accurate and timely remittances to investors.
- Understand and process various default liquidations to ensure timely remittance and reporting to investors.
- Periodically review and update written policies and procedures to ensure accuracy and relevance for investor reporting.
- Complete annual servicing recertifications as required by investors.
- Serve as a subject matter expert regarding all secondary market service retained servicing questions and initiatives.
- Uphold Nicolet's philosophy and policies by maintaining appropriate controls to ensure full compliance with applicable laws and regulations, thereby fulfilling legal responsibilities and enhancing the quality of services provided by Nicolet.
- Understand and communicate the value of diversity within the workplace and to work successfully with others without regard to age, gender, race, sexual orientation, ethnicity, culture, religion, disability status, socioeconomic status, or other non-job-related classification, including a commitment to Nicolet's policies on equal employment opportunities and non-discrimination with a willingness to pursue efforts of inclusion and respect toward different perspectives.
- Performs all other duties as assigned.
Qualifications:
- High School diploma or equivalent
- 2 years of mortgage servicing experience
- PC, phone system, general office equipment.
- Ability to maintain strict confidentiality.
- Effective verbal and written communication skills and strong interpersonal skills.
Benefits:
- Medical, Dental, Vision, & Life Insurance
- 401(k) with a company match
- PT0 & 11 1/2 Paid Holidays
The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities and skills required for the position.
Equal Opportunity Employer/Veterans/Disabled