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Mortgage Risk Assessment Specialist

2 months ago

Houston, Texas, United States CU ALLIANCE, LLC Full time
Job Overview

CU ALLIANCE, LLC is in search of a meticulous Risk Assessment Specialist to enhance our underwriting team. This role is pivotal in assessing and validating the creditworthiness of mortgage applications while ensuring adherence to internal policies and regulatory standards.

Key Responsibilities:

Underwriting Duties

  • Verify that the loan origination and processing comply with investor and organizational guidelines to facilitate the loan's progression to closing and funding.
  • Engage with production staff to evaluate specific loan scenarios, ensuring alignment with GSE product descriptions and overlay requirements.
  • Conduct thorough reviews of loan documentation, including income calculations, and possess a comprehensive understanding of intricate personal and business financials.
  • Analyze essential loan documents such as credit reports, employment verifications, pay stubs, tax returns, bank statements, appraisals, and all supplementary documentation.
  • Assess mitigation factors to confirm that the collateral possesses adequate market value to secure the loan.

Compliance, Auditing & Reporting Responsibilities:

  • Perform monthly reviews of a selection of real estate loans to ensure regulatory compliance.
  • Develop and maintain comprehensive Policies & Procedures.
  • Evaluate Fair Credit Reporting Act procedures for compliance and accuracy concerning real estate loans.
  • Examine forms and disclosures related to real estate loans for precision and compliance.
  • Conduct periodic reviews of disclosures, adjustable-rate mortgages (ARMs), and applications.
  • Assist in Fair Lending Reviews pertaining to real estate loans.
  • Calculate various financial figures, including discounts, interest rates, APR, and debt-to-income ratios to ensure compliance.
  • Complete necessary regulatory reporting.
  • Review a sample of Adverse Action reports for all real estate secured loans on a monthly basis.
  • Ensure compliance through system reviews, including correct coding and document control.
  • Prepare analytical reports for reviews to identify patterns and potential violations.
  • Review HMDA-LAR data in conjunction with loan evaluations and prepare corresponding HMDA reports.
  • Support staff training initiatives and regularly update training materials to reflect compliance regulations.
  • Provide guidance to the production department regarding real estate secured loans and serve as a resource for regulatory inquiries and updates.
  • Review company policies and procedures for thoroughness and compliance.
  • Adjust loan programs in response to market, regulatory, or organizational changes.
  • Collaborate with management to maintain appropriate insurance coverage and manage ongoing risk assessments.
  • Conduct vendor evaluations in partnership with management for new partnerships.
  • Perform related duties as necessary.

If you possess the required skills and are interested in contributing to a dynamic team, we welcome your application for the Risk Assessment Specialist position.

Qualifications:
- Strong analytical skills in underwriting, including data collection and risk evaluation.
- Proficiency in financial concepts, cash flow analysis, and financial modeling.
- Experience in regulatory compliance and reporting.
- Knowledge of financial services and credit assessment.
- Ability to conduct equity research and negotiate effectively.
- Familiarity with financial software and quantitative research methodologies.