p>This position is Florida based and hybrid/remote work eligible.. li>Collaborate with the mortgage lender or mortgage banker, underwriter, loan processor, senior MLO / mortgage loan originator, and realtors on behalf of the applicant as needed to make sure the loan transaction goes through successfully. Pipeline Management: Act as the point of contact for clients throughout the loan process, coordinating with processing and underwriting teams to ensure timely progression.
Under the SAFE Act requirements, all applicants for employment who will be engaged in and perform duties as a residential loan mortgage originator (as defined by the SAFE Act) must register with the federal registry system and maintain a status in good standing under the SAFE Act requirements. Strong technical abilities to learn and effectively process on mortgage and member databases, interact and communicate with enterprise communication systems, e.g., phone calls, messaging, email, text, chat, etc.
Run Automated Underwriting System (AUS) engines as needed and ensure supporting documentation required by the Automated Underwriting System (AUS) findings and the investor requirements are met prior to submitting the file to underwriting. A little about us: First Merchants is guided by a genuine philosophy of being a meaningful place to work and having a prosperous impact across all walks of life throughout the communities we serve, including consumers, businesses and other organizations.
Miami Lakes, FL30+ days ago
Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. Summary:
The Mortgage Processor Role will be responsible for performing a variety of documentation duties related to both agency and portfolio loans while ensuring compliance with policies and procedures for all loan products.
Miami, Florida18 days ago
We specialize in complex loan scenarios—jumbo, non-QM, bank statement, portfolio, and foreign national—and pride ourselves on delivering responsive service with a high-touch, boutique feel backed by a seasoned operations team. Handle complex condo transactions, including limited reviews, non-warrantable properties, reserve requirements, and investor overlays common in the South Florida market.
Coral Gables, FL2 days ago
p>Skills: This role utilizes analytical skills daily to evaluate credit applications and financial documents, ensuring that lending decisions are well-informed and compliant. Additionally, knowledge of regulatory frameworks guides the officer in implementing policies that safeguard the institution against credit risk while promoting responsible lending.
p>OCC Language: This position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36, and the definition of Mortgage Loan Originator as defined under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. §§ 5102 et seq., and its implementing regulations, 12 CFR Part 1007. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.
Miami Lakes, FL30+ days ago
p>Essential Duties and Responsibilities: - Independently evaluate a variety of complex residential mortgage credit applications, credit bureau information, collateral valuation, complicated tax returns, financial statements, sales contracts, title, insurance and/or other supporting documentation to decision loans within designated authority levels by way of automated underwriting tools. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services.
li>Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency. The Mortgage Community Lending Officer is an entry level position responsible for driving mortgage sales and client relationships through engagement with community clients, diverse real estate agents, and affordable housing non-profit partners in coordination with the Consumer Product Sales team.
li>Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, and wealth management.
li>Manage and oversee the mortgage disclosure process to ensure accurate, timely, and compliant preparation, issuance, and management of initial and revised disclosures in accordance with applicable regulatory requirements, internal policies, and service-level expectations, including RESPA, TRID, ECOA, HMDA, Fair Lending, and applicable federal and state mortgage regulations. This role serves as a key mortgage fulfillment and processing leader responsible for mortgage processing, fulfillment, pipeline execution, workflow management, vendor coordination, regulatory compliance, and scalable process implementation across the mortgage lifecycle.
In addition, you'll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career! Advanced knowledge of residential mortgage industry in Correspondent or Retail Lending;, including sales, operations, capital markets and/or other residential mortgage products and services.
In addition, you'll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career! Advanced knowledge of residential mortgage industry in Correspondent or Retail Lending;, including sales, operations, capital markets and/or other residential mortgage products and services.
p>What youll do: As a Mortgage Underwriter I, youll perform a limited review of Conventional (Conforming, Conforming-High Balance and Non-Conforming Jumbo), Non-Agency and Government (FHA, VA, and USDA) loans for specific issues such as appraisal, property flip, insurability, DTI, etc. In addition, you'll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career!