Mortgage Specialist

Position Title:

Mortgage Specialist

Chief Lending Officer

Full time, Non-Exempt

Compensation based on experience: $15.50 - $17.50

cdcb | come dream. come build. is a private 501(c)(3) nonprofit organization founded in 1974, working to eliminate persistent poverty, advance prosperity, and increase economic justice across the Rio Grande Valley. Through housing development, financial capability programs, and community planning initiatives, cdcb supports healthier, more resilient communities along the U.S.–Mexico border and the Gulf Coast.

Responsible for accurately processing all documents for residential mortgage loan applicants to ensure that they are complete and comply with all local, state and federal regulation while maintaining communication with borrowers, loan officers, real estate agents and underwriters throughout the process.

• Review mortgage loan applications for completeness and accuracy.
• Collect, verify and organize required documentation such as income statements, bank statements, tax returns and credit reports.
• Gather information to submit loan package for underwriter approval.
• Process FHA, Conventional, TDHCA, USDA 502, Inspire
  100 and CASA mortgages loans to investor guidelines.
• Prepare down payment assistance package for underwriter to approve.
• Responsible to deliver all closed loans to investor for purchase and to clear any deficiency that might arise.
• Responsible to submit pre-purchase and post-purchase loan packages to auditor for review.
• Other duties as assigned.

This position does not supervise others.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

High School Diploma or general education degree (GED) or higher; and minimum one year mortgage lending related experience and/or training; or equivalent combination of education and experience.

Ability to read and comprehend simple instruction, short correspondence, and memos. Ability to effectively present information in one on one and small group situations. Bilingual in Spanish and English: verbal and written form preferred.

Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio and percent and to draw and interpret bar graphs.

Ability to apply common sense understanding to carry out simple instructions. Ability to deal with standardized situations with only occasional or no variables.

Working Knowledge of computer programs such as Microsoft Office (Word, Excel, Power Point).

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position is in a standard office environment with desktop business equipment and frequent telephone calls. Noise level is moderate.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.