Loan Operations Manager

2 months ago

Scottsdale, United States Roberts Resorts & Communities Full time

Position Summary:

The Loan Operations Manager oversees the origination and assembly of loan packages for manufactured homes and park model products. They manage loan processing from application to closing/funding, ensuring accuracy, compliance, and timely resolution of any issues. Additionally, they manage loan servicing activities, including delinquencies, escrow analysis, customer inquiries, and financial reporting.


About Roberts Resorts & Communities:

This company operates nationally and is growing by the day. At Roberts Resorts & Communities, we're on a mission to build community and fulfill dreams. Through our core values of resourcefulness, integrity, passion, and epic customer service, we're dedicated to making a difference in the lives of 30,000 people. If you're passionate about creating meaningful impact, thrive in a culture of integrity, and are committed to delivering exceptional service, we invite you to join us in turning visions into reality and shaping a brighter future together.


PERFORMANCE OBJECTIVES:

  • Hire, train, onboard, and manage any employees of MHC Finance
  • Train any new Sales Associates in a timely manner regarding loan applications, etc.
  • Attend and participate in weekly EOS meetings
  • Resolve any issues between Sales team and MHC Finance in a timely manner.
  • Have full understanding of the Mortgage Automator software and stay current on any future upgrades
  • Assemble monthly reporting package from Mortgage Automator
  • Responsible for cross-training so there is no drop-off in productivity
  • Responsible for attaining Corporate established metrics (e.g., loan decision within 1 day, closing a loan within so many days, etc.)
  • Stay abreast of any legislation or regulations related to loan origination and servicing for both MH and PM product loans.
  • Responsible for reporting to applicable agencies
  • Complete special projects as needed


Responsible for origination and assembling loan packages for manufactured homes and park model products.


  • Work with customers from the application process through to the loan closing/funding process. Review loan package for accuracy and completeness.
  • Collect and validate all borrower information. Monitor each loan to obtain the information timely.
  • Pull credit report and calculate DTI ratio and prepare Ability to Repay Worksheet. Determine if borrower is approved/not approved for loan. If not approved, strategize with Sales Manager if there is an alternative (e.g., additional down payment, lower price point home, etc.) to save the deal.
  • Coordinate with Sales Manager/Associate the completed loan package and verify borrower signs all documents.
  • Send original loan package to Corporate Headquarters for safekeeping
  • Send request for funding of loan


Responsible for management of the servicing of loans in Mortgage Automator.


  • Manage delinquent loan receivables
  • Analysis and payment of Escrow related expenses (taxes and insurance)
  • Send out monthly statements.
  • Respond to Customer requests in a timely manner regarding their loan
  • Collaborate with Corporate Accounting regarding accounting related matters (e.g., verify funds transferred from operating to escrow accounts, monthly principal and interest transferred from MHC operating account, etc.)
  • Distribute year-end Form 1098’s to each borrower


KEY COMPETENCIES:

  1. Leadership: Ability to hire, train, and manage employees effectively, fostering a cohesive and productive team environment.
  2. Loan Processing Expertise: Proficiency in loan origination, documentation, and packaging, including reviewing loan packages for accuracy and completeness.
  3. Regulatory Compliance: Stay abreast of legislation and regulations related to loan origination and servicing, ensuring compliance at all times.
  4. Software Proficiency: Full understanding of Mortgage Automator software and ability to stay current with upgrades, along with proficiency in Smartsheet for pipeline management.
  5. Communication Skills: Effective communication with sales teams, borrowers, corporate headquarters, and other stakeholders to resolve issues and ensure smooth loan processing and servicing.
  6. Problem-Solving: Ability to resolve issues between sales teams and finance department promptly and strategically.
  7. Organizational Skills: Efficiently manage loan processing workflow, prioritize tasks, and meet corporate-established metrics.
  8. Financial Acumen: Ability to analyze financial data, manage loan receivables, and collaborate with corporate accounting for financial reporting and reconciliation.


EDUCATION & EXPERIENCE:

  • Bachelor's degree in Finance, Business Administration, or related field required.
  • Mortgage Loan Originator (MLO) license required.
  • Minimum of 3 years of experience in mortgage loan processing and servicing. Also, must qualify as a “responsible” employee of MHC Finance in the State of AZ
  • Previous experience originating manufactured home loans (i.e., chattel loans) highly desirable.
  • Demonstrated experience in managing loan origination and servicing processes, including familiarity with loan documentation, credit analysis, and funding procedures.
  • Experience in staff management, training, and development.
  • Familiarity with loan servicing software such as Mortgage Automator is highly desirable.
  • Strong understanding of regulatory requirements and compliance standards in mortgage lending.


PHYSICAL REQUIREMENTS:

  • Constantly sit, talk, or hear; Frequently use hands.
  • Manual dexterity for handling paperwork and using office equipment.
  • Clear vision and hearing for reviewing documents and communicating effectively.
  • Capability to lift up to 10 pounds.


BENEFITS:

  • Medical, Dental, Vision
  • Employer Paid Life Insurance
  • Voluntary STD, LTD, Accidental, and Critical Illness
  • PTO & 11 Paid Holidays
  • 401k
  • Working in an inclusive community


COMMITMENT TO DIVERSITY:

Equal Employment Opportunity has been and will continue to be a fundamental principle at Roberts Communities & Resorts, where employment is based upon qualifications without discrimination because of race, color, religion, sex, sexual orientation, gender identity, national origin, age, and disability as defined by the Americans with Disabilities Act, or any other protected characteristics as established by law. At Roberts Communities & Resorts, we know that diversity makes us stronger. We are committed to a collaborative, inclusive environment that encourages authenticity and fosters a sense of belonging. We strive for everyone to feel valued, connected, and empowered to reach their potential and contribute their best.

If this position caught your eye, send us your resume For best consideration, include the job title and source where you found this position in the subject line of your email to careers@robertsrc.com.

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