Job Description

Responsibilities include reviewing mortgage loans prior to funding for adherence to company standards, agency guidelines and regulatory compliance laws. The position responsibility includes the preparation and distribution of audit exception notifications, reports and communicating audit exceptions to appropriate business units; and facilitating corrective action as appropriate. RESPONSIBILITIES:

·  The documentation review will include a review of the entire loan file to determine whether all items requiring documentation have been properly evidenced and are retained in the file.

·  Completeness and accuracy of the information obtained in the mortgage origination process will be reviewed. The information contained in the file will be compared for accuracy to the information provided to the Automated Underwriting System.

·  Ensure production complies with the company's policies/procedures; agency requirements; state/federal regulations; and insurer/guarantor requirements.

·  Identify potential red-flags or causes of concern that may not be listed under established audit criteria.

·  Research and investigate exceptions, red-flags, and concerns by gathering, analyzing and interpreting pertinent information and documentation to ensure potential risks are mitigated and all guidelines, requirements, and standards are appropriately met.

·  Properly assess and respond to fraud indicators.

·  Review appraisal for accurate property valuation.

·  Ensure documentation is appropriate to support credit decisions.

·  Communicate with Operations (Underwriting, Closing, and Processing) regarding QA conditions.

REQUIREMENTS:

·  Minimum 5+ years of broad mortgage and consumer products background required.

·  Underwriting experience preferred.

·  Conventional, FHA, and VA loan experience is required.

·  Knowledge of applicable federal regulations and state laws a plus.

·  Ability to prioritize and decipher policies, programs, and guidelines.

·  Strong attention to detail, organizational, and communication skills.

·  QC/QA experience is required.

·  Self-motivated, high level of personal energy, and commitment.

·  Ability to handle multiple tasks, take on new responsibilities, and prioritize work in a deadline-intensive environment.

Company Description

Who is Lend Plus? Lend Plus was established in 2007 during the industry melt-down. Our founders had a vision of being the market leader by creating the ultimate customer service experience. Our dynamic management team is dedicated to driving efficiency, quality, and transparency. Their focus is on continuing our expansion with new products, new markets and cutting edge technology. What sets us apart are 3 things: 1. Character 2. Competitive products & pricing 3. Technology

1. An incredibly consistent culture based on 5 distinguishing characteristics: Integrity, Excellence, Impact, Growth & Passion. When you meet our team, you'll understand these aren't just words to us. Our A+ rating with the BBB, 4+ star rating on Google and 4+ star rating on Glassdoor is a testimony of our culture. Our mantra is "Being More, Doing More, Giving More" for our company, clients and our community. A portion of the proceeds from every funded loan goes to HelpFeed.Me, our non-profit foundation whose mission is to help the homeless in our community. To date, we’ve fed over 4000 meals to the homeless in Orange County. Our average banker has 10 years of experience so we don’t micromanage our bankers and we aren’t a sweatshop. We pride ourselves of our family-oriented culture.
2. Competitive rates and a wide range of programs to meet all your borrowers' needs. This means fewer declines and the ability to help more borrowers. We have a true bank statement and stated income programs on top of traditional lending products.
3. We are revolutionizing the industry with new innovative technology to make financing, security and the application process user-friendly. We use the industry-leading CRM and LOS systems with your own personalized consumer portal so your borrowers can securely apply online. We provide on-going training on both our systems as well as sales training to keep your skills sharp.