Residential Client Advocate

4 weeks ago

Stuart, United States Seacoast Bank Full time
JOB SUMMARY:

The Client Advocate will work with Residential Lenders and their clients, from Submission to Mortgage Operation through Submission to Clear to Close. This includes, but is not limited to, gathering, and reviewing documentation received from the borrower and third parties, to meet product and program guidelines. The Client Advocate actively communicates, using all forums i.e., telephone, text, and email, meeting the needs of all stakeholders. Consistently gains the confidence and trust of others through honesty, integrity, and authenticity.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Processing Responsibilities

  • Performs clerical and administrative duties to include preparing, examining, and following up on customer applications for residential real estate loans.
  • Verify & confirm that an application is complete and accurate.
  • Review of the process and follow up on any required documents from borrower(s)
  • Request and review information from Third parties such as Credit, AUS, realtors, etc.
  • Must have comprehensive knowledge of FNMA and Freddie Mac guidelines. And FHA and VA guideline knowledge is a benefit.
  • Prepares the file for underwriting, by confirming that documentation provided from the MLO and/or client, supports AUS findings or meets specialty program guidelines and complies with investor requirements.
  • Follow up and satisfy any underwriting conditions upon initial loan decision and resubmit loan files for final approval.
  • Maintains continual communication links to Residential Loan Officers, applicants and others involved in the transaction as to the status of loan applications, thereby fostering good customer relations and producing smooth and timely real estate processing/closing transactions.
  • Must maintain updated and accurate account tracking of pending conditions within LOS-Mortgage Director program for the client’s loan.
  • Accountable for resolution of customer inquiries
  • Must be able to accurately handle detailed instructions under pressure and a higher volume of more complicated issues.
  • Carry out other duties as may be required by the Mortgage Operations Manager.
  • Monitor Compliance Regulations within the Mortgage Director LOS to ensure Re-disclosures are issued within a timely manner.
Pre-Closing Responsibilities
  • Upon loan approval, reviews the Loan Approval Authorization to verify the accuracy of closing requirements based on the specific type of loan transaction. This would include all purchases, refinances, construction-Perm, and Loan, etc.
  • Verifies and/or updates information pertinent to loan closing within Mortgage Direction mortgage origination system.
  • Prepares and either e-mails or mails out a loan commitment letter to the borrower stating the terms of the loan approval as well as all loan closing requirements. Be sure to copy the Mortgage Loan Officer. Email the closing agent to notify loan approval and status has moved to Closing status and identify and follow up on any outstanding closing agent condition requirements.
  • Follows up with service providers to obtain all inspections and/or documentation necessary to meet the loan approval conditions, i.e.:, termite and final inspections, insurances, etc.
  • Examines each closing requirement when received to verify accuracy and to determine that the documentation supports the loan approval to meet Seacoast National Bank's, secondary market, and mortgage insurers' guidelines.
  • Reviews the title commitment issued by the closing agent to verify compliance with Seacoast National Bank and secondary market requirements for acceptable, clear title. The Residential Client Advocate associate is also responsible for obtaining a Closing Protection Letter from the closing agent for the issuing Underwriter.
  • Coordinate Closing Date with Closing Agent and Client to ensure a timely closing.
  • Utilize the Mortgage Director LOS by updating and notating regularly and monitors the progress of loan closing requirements to assure continuity in the closing function.
  • Once all conditions have been received and approved, File will be moved to Clear to Close Status for Package preparation.
  • Notify the closing agent when file has been Cleared to Close and communicate the Seacoast Bank Loan Closer will contact them upon package preparation to ensure continuity of communication. The Mortgage Loan Officer is copied as well.
  • Ensure department adherence to all AML/BSA requirements (Customer Identification Program, Due Diligence, and Enhanced Due Diligence), operational procedures are maintained and updated, policy exception guidelines, business continuity, and all other regulated banking requirements (e.g., Fair Housing Act, Equal Credit Opportunity Act, etc.); communicate any updates to associates. Follows up on all audit deficiencies. Report and resolve customer complaints.
  • Adheres to Seacoast Bank’s Code of Conduct.
EDUCATION and/or EXPERIENCE:
  • High School diploma or equivalent required.
  • 2–4-year college degree preferred.
  • Minimum of two years’ experience in administrative, government loan processing preferred.
  • Minimum of one year experience in conventional loan processing preferred.
  • Demonstrate excellent communication (written and verbal) and interpersonal skills.
  • Able to work independently and exercise a high degree of initiative.
  • PC Proficiency in Desktop, Laptop, Tablet, and Smartphone devices as well as Microsoft Office Suite software.


The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

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