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Wholesale Mortgage Disclosure Desk Specialist

Santander Bank – Villanova, PA

Wholesale Mortgage Disclosure Desk Specialist-1903619

Description As a member of Santanders retail banking division youll help serve Santanders retail and small business customers as part of one of the top banks in the United States based on deposits. With principal presence in the northeast U.S., Santanders retail division offers consumer and lending products to help our customers reach their financial goals. Santander currently serves nearly 2 million retail customers and 5.2% of the 2.7 million small businesses in the US footprint have a transactional account with Santander Bank
The Wholesale Mortgage Operations Specialist is a non-exempt position whereby the team member is responsible for providing operational support for the processing mortgage applications generated through the Wholesale Mortgage Division. Loan applications are originated by Santander s approved third party originator (TPO) customers and submitted to Santander for processing, underwriting (completed by Risk) and closing. The Specialist is responsible for loan registration, compliance, fraud prevention, file processing, closing and correspondent loan delivery. The position requires satisfactory completion of some or all of the key duties listed below. The job description is not intended to be all inclusive. Employees may perform other related roles as negotiated to meet the operational needs of the business and meet department SLAs
Responsibilities
  • Perform necessary initial Loan Estimate disclosure and re-disclosure per TRID when loan changes occur
  • Monitor and respond to customer service calls and emails
  • Monitor pipeline reports - record re-price and product changes along with inactive 60+ day registrations and expired rate locks and duplicate loan registrations
  • Organize file in appropriate order and obtain missing data needed to send to Underwriting
  • Review fees for compliance with Federal, State and RESPA/Reg Z regulations. Prepare and LE Disclosures (per TRID) and early disclosure packages to borrower
  • Complete Compliance Checklist and review disclosures
  • General office administrative tasks i.e. ordering supplies
  • Provide internal and external customer telephone and email support
  • Ship closed loan files to Secondary Marketing
  • Answer general customer service inquiry calls
  • Review fees for compliance with Federal, State and TRID regulations
  • Registration Support SANWeb loan registrations and product/loan change requests
  • Update TPO users for SANWeb permissions, Prepare preliminary TRID Disclosures for Third Party Originations (Broker loans)
  • Upfront Batch Processing Roles (Pre-underwriting processing roles) Sort and distribute incoming mail and overnight packages
  • Record receipt of all new loan files and underwriter assignment in Unifi
  • Post Underwriting Roles: Clear non-credit loan conditions (ex. Title, insurance, wire instructions, ICPL)
  • Perform Verbal VOE (verification of employment) for all salaried borrowers
  • Closing Roles: Receive, review, record and send TPO confirmation for all Request for Closing Notices
  • Review Prelim CD for compliance with TRID
  • Correspondent Delivery Roles: Review closed correspondent loan packages, including a review of the Closing Disclosure, legal notices, and compliance documents
  • Input loan application (1003) data and/or edit submitted data through SANWeb registration system

QualificationsEDUCATION
Bachelor s Degree; in Business, Finance, Economics, Mathematics or equivalent field, or equivalent work experience;
WORK EXPERIENCE
0-3 years; Experience in Project management, integration of business processes, systems, and/or products, 0-3 years; Experience with a CRM system (i.e. Salesforce.com) and Business Intelligence tools.
SKILLS AND ABILITIES
Ability to drive projects and activities to successful conclusion, operating with a high sense of urgency. Ability to manage own workload and work efficiently and meet deadlines. Ability to multi-task and keep initiatives on track simultaneously. Conscientious with strict attention to detail. Demonstrated ability to operate independently with broad general guidance against a framework of defined business objectives. Demonstrated proficiency in Microsoft Excel, Project, PowerPoint and SharePoint. Detail oriented, organized and analytical. Excellent analytical and problem solving skills, combined with strong business judgement and ability to present analysis in a clear and compelling manner. Excellent analytical capabilities including SQL, Excel and relational database skills. Excellent communication and organization skills, Must relate well to all kinds of people, listens and builds constructive relationships, uses diplomacy and tact. Results oriented, attention to detail, ability to prioritize multiple objectives and projects. Shows creativity and innovation in presenting ideas
PHYSICAL DEMANDS
Minimal physical effort such as sitting, standing, and walking.
COMPETENCIES
Builds effective working relationships with peers. Collects data and relevant facts to communicate problems. Presents the general outline and direction of the solution. Defines issues accurately and identifies the critical components. Demonstrates the organizations customer service standards. Learns about and diligently follows established risk management policies, processes and procedures. Learns new methods and procedures or modifies them to meet new standards. Is positive about new approaches and methods resulting from change. Responds promptly to customer inquiries. Takes responsibility for issues and, with assistance, works to find a solution. Supports the implementation and evaluation of risk management policies, processes and procedures

Job:Business Operations Primary Location:Pennsylvania-Villanova-Two Aldwyn Lane - 06386 - Villanova Aldwyn 2 Organization:Consumer & Business Banking (1001) Schedule:Full-time

Job Posting:Jun 24, 2019, 2:49:46 PM

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