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Residential Lending Client Specialist

2 months ago

Stuart, Florida, United States Seacoast Bank Full time
JOB SUMMARY:

The Client Advocate will collaborate with Residential Lenders and their clientele, guiding them from the initial submission through to mortgage operations until the loan is cleared for closing. This role encompasses gathering and scrutinizing documentation from borrowers and third parties to ensure compliance with product and program guidelines. The Client Advocate will maintain active communication across various channels, including phone, text, and email, to address the needs of all parties involved. Building trust and confidence through transparency, integrity, and authenticity is essential.

KEY RESPONSIBILITIES:

Processing Duties
  • Conduct clerical and administrative tasks, including preparing, reviewing, and following up on customer applications for residential real estate loans.
  • Ensure the completeness and accuracy of applications.
  • Monitor the process and follow up on any required documentation from borrowers.
  • Request and evaluate information from third parties such as credit agencies, automated underwriting systems, and real estate agents.
  • Possess a thorough understanding of FNMA and Freddie Mac guidelines, with additional knowledge of FHA and VA guidelines being advantageous.
  • Prepare files for underwriting by confirming that the documentation from the Mortgage Loan Officer and/or client aligns with automated underwriting findings or meets specialty program criteria.
  • Address and fulfill any underwriting conditions following the initial loan decision and resubmit files for final approval.
  • Maintain ongoing communication with Residential Loan Officers, applicants, and other stakeholders regarding the status of loan applications, fostering positive customer relations and ensuring smooth real estate processing and closing transactions.
  • Keep accurate and updated tracking of pending conditions within the Loan Origination System for the client's loan.
  • Resolve customer inquiries effectively.
  • Handle detailed instructions under pressure and manage a higher volume of complex issues.
  • Perform additional duties as assigned by the Mortgage Operations Manager.
  • Monitor compliance regulations within the Loan Origination System to ensure timely issuance of re-disclosures.
Pre-Closing Duties
  • Upon loan approval, review the Loan Approval Authorization to confirm the accuracy of closing requirements based on the specific loan transaction type, including purchases, refinances, and construction loans.
  • Verify and/or update information relevant to loan closing within the mortgage origination system.
  • Prepare and send a loan commitment letter to the borrower outlining the terms of the loan approval and all closing requirements, ensuring the Mortgage Loan Officer is copied.
  • Coordinate with service providers to obtain necessary inspections and documentation to meet loan approval conditions.
  • Examine each closing requirement upon receipt to verify accuracy and ensure documentation supports the loan approval in accordance with bank and secondary market guidelines.
  • Review the title commitment issued by the closing agent to ensure compliance with bank and secondary market requirements for clear title.
  • Coordinate the closing date with the closing agent and client to ensure timely closing.
  • Utilize the Loan Origination System by regularly updating and monitoring the progress of loan closing requirements.
  • Once all conditions are satisfied, move the file to Clear to Close status for package preparation.
  • Notify the closing agent when the file has been cleared to close and communicate that the Loan Closer will contact them upon package preparation.
  • Ensure adherence to all AML/BSA requirements and operational procedures, including policy exceptions and business continuity.
  • Comply with the bank's Code of Conduct.
EDUCATION and EXPERIENCE:
  • High School diploma or equivalent required.
  • 2–4-year college degree preferred.
  • Minimum of two years' experience in administrative and government loan processing preferred.
  • Minimum of one year experience in conventional loan processing preferred.
  • Exhibit excellent communication (both written and verbal) and interpersonal skills.
  • Able to work independently and demonstrate a high degree of initiative.
  • Proficient in using desktop, laptop, tablet, and smartphone devices, as well as Microsoft Office Suite software.
The above statements are intended to describe the general nature and level of work performed by individuals in this position. They are not exhaustive lists of responsibilities, duties, and skills. This job description serves various purposes, including job evaluations, performance reviews, and recruitment. All associates are expected to adhere to the highest legal and ethical standards applicable to our industry. Seacoast Bank is committed to ensuring that all associates are familiar with and compliant with all regulatory, legal, ethical, and risk mitigation requirements relevant to their roles.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.