Collateral Analyst

Emporium TPO has been named a Top Workplace in the 2024 & 2025 Scotsman Guide

Emporium is a wholesale origination platform that is dedicated to servicing professional mortgage brokers and non-delegated correspondent lenders. Our aspirations at Emporium are simple: build a team of talented individuals with shared values who think and behave like owners, create a culture that is focused on exceptional customer service, and deliver quality products and returns to stakeholders. Come join us

Role Summary:

The
Collateral Analyst
is responsible for overseeing the end-to-end management of collateral documentation and custodial processes. This role ensures the timely and accurate delivery of collateral to the document custodian, effective management of vendor relationships, and resolution of custodial exceptions. They will collaborate with internal departments, warehouse lenders, custodians, and external vendors to streamline workflows, maintain data integrity, and support operational efficiency.

Responsibilities:

• Work with our outsourced collateral team to ensure delivery of collateral to our document custodian on a daily basis.
• Manage the pipeline, workflow, and relationship of the document custodian and collateral vendors.
• Review and analyze custodial data to identify and resolve critical exceptions
• Collaborate with warehouse lenders and the custodian to clear outstanding exceptions in a timely manner.
• Manage the logistics of the overall collateral workflow, including coordination with internal and external stakeholders, and identifying and implementing process improvement solutions.
• Perform regular reconciliations of open collateral tasks against document custodian and collateral vendor reports.
• Collaborate closely with internal teams, servicers, and vendors to identify procedural changes and system enhancements where needed; recommend operational improvements and assist in implementation.
• Deliver servicing data tapes.
• Work with the Vendor to ensure all trailing docs are delivered to the purchaser within the required timeframe.
• Incumbents will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments.

Requirements:

• High school diploma or GED.
• 2+ years of collateral management experience.
• 1+ years of loan processing, document handling, and/or shipping experience.
• Good oral, written, and interpersonal communication skills.
• Strong analytical and problem-solving skills.
• Excellent time management and follow-up skills.
• Strong attention to detail and the ability to multitask.
• Ability to work effectively with business teams, clients, and vendors to build strong relationships.
• Must be able to sit, stand, and walk for up to 8 hours or more.
• Familiarity with mortgage investor and regulatory guidelines.
• Self-starter who can work independently.

Why Join Us?

Comprehensive Benefits
: Start enjoying our benefits on your first day:

• Choose from several comprehensive medical plans, dental, vision, etc.
• Company-paid Life Insurance, Short and Long Term Disability Coverage

Employee Assistance Program
: Free confidential help with a variety of personal, work-life, and concierge needs.

Training:
Free training courses to support your career growth, from Microsoft Excel to management skills

Supportive Work-Life Balance
:

• 9 Company Holidays, plus your birthday off as an additional holiday.
• 2 Floating Holidays.
• PTO and/or Sick Days.
• Voting Time Off.
• Paid Parental Leave.
• Bereavement Leave.

Career Development
: Continuous growth opportunities through paid training and a collaborative culture.

Tuition Reimbursement:
Financial help for your career and educational goals.

Financial Security
: 401K plan to secure your future.

Team Bonding
: Company outings and virtual happy hours to foster a collaborative culture.

Birthday Surprise:
We celebrate your birthday with a tasty surprise from us

Emporium is an equal opportunity employer. At Emporium, we are committed to treating all Applicants and Associates fairly based on their abilities, achievements, and experience without regard to race, national origin, sex, age, disability, veteran status, sexual orientation, gender identity, or any other classification protected by law.

All offers of employment are contingent upon the successful completion of a background check in accordance with company policy and applicable laws.