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English (Required)
1st shift (United States of America)Responsible for providing rate lock support for Retail and Correspondent channels while ensuring rate lock information is accurate to include updating rate lock requests to meet stringent service level agreements. Manage loan pipelines manually when technology implementation is delayed or unavailable in order to provide faster go-to-market changes to either increase competitive advantages or for risk mitigation purposes in unstable market environments. Distribution point for rate sheet creation in conjunction with the Secondary Trade Desk. Responsible for interacting with mortgage loan officers and Correspondent Account Managers on a daily basis to ensure correct pricing in order to produce accurate mortgage closing documents and Correspondent purchase advices.
Essential Duties and Responsibilities
Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.
Provide rate lock, rate renegotiations, float downs and rate extension support via email and phone center for internal and external clients.
Identify any potential issues or concerns with technology installs or incorrect loan pricing scenarios.
Develop internal and external rate sheets on a daily basis in conjunction with the Capital Markets Trade Desk and run test files to insure accuracy. Execute pricing margin changes when needed.
Manage all changes and inputs into Empower in regard to request made to include documentations and approvals of changes. This includes filing and recording and storing of pertinent information within the Corporate Records and Information Management (CRIM) guidelines.
Support management by working on moderately complex projects and researching pricing records to obtain data.
Meet/exceed stringent service level agreements for response times as well as maintaining high scores on phone evaluation forms when speaking with mortgage loan officers.
Perform duties with outside investors or housing agencies to include locking and maintain loan pipelines.
Provide oversight on duplicate loan locks by reviewing daily reporting to insure accuracy for proper loan hedge position.
Produce bid tapes for Correspondent lenders when loan features are not supported by technology.
Required Qualifications:
The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
2+ years of Secondary Marketing experience and/or previous positions with mortgage knowledge and customer service experience.
Knowledge of regulatory changes, internal compliance requirements and guidelines.
Demonstrated proficiency in basic computer applications, ability to problem solve as well as general Microsoft Office skills.
Preferred Qualifications:
Knowledge of loan origination systems.
Extensive knowledge of mortgage loan pricing.
Other Job Requirements / Working Conditions
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Standing (if checked, indicate frequency)
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Walking (if checked, indicate frequency)
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Lifting (if checked, indicate pounds)
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Visual / Audio / Speaking
Able to access and interpret client information received from the computer and able to hear and speak with individuals in person and on the phone.
Manual Dexterity / Keyboarding
Able to work standard office equipment, including PC keyboard and mouse, copy/fax machines, and printers.
Able to work all hours scheduled, including overtime as directed by manager/supervisor and required by business need.
Travel (Must select one)
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