Loan Officer Assistant II

Description

Fountain is passionate about creating award winning client experiences and company culture. We provide home loans with exceptional and personalized service. We are driven by the belief that ‘home’ is the starting point for love, hope and dreams; our employees serve both clients and one another with the highest degree of integrity, honesty and transparency. Fountain is increasing leadership and support staff through cultivation and acquisition to efficiently sustain and scale production.

We regularly invest in “de-stress fests” like kickball in the park, March Madness watch parties, and regular happy hours. We are the #1 Mortgage Company in 2017, 2018 and 2019 as voted by readers of The Pitch KC and won The Champions of Business award as voted by the Kansas City Business Journal in 2021. In 2023 the Johnson County Post voted us the Best Mortgage Company in Johnson County.

We believe in the relentless pursuit of home.

The loan officer assistant position will be responsible for initial loan application completion, client document gathering, initial loan disclosure and compliance, and assigning files to processing.

• Pre-Approval Loan File Completion:
  Ensure all necessary documents and information are collected and organized for pre-approval.
• Application Review and Completion:
  Identify and fill in gaps in loan applications, ensuring all required fields are completed accurately.
• Client Document Requests:
  Request additional documents from clients to ensure the pre-approval file is comprehensive, covering credit, assets, and income documentation.

• File Preparation:
  Prepare loan files upon receiving a purchase contract or locking a refinance loan.
• Document Management:
  Request and follow up on initial credit and income documents, updating as necessary.
• Loan Applications:
  Complete and review loan applications to ensure accuracy and completeness.
• File Opening Tasks:
  Initiate necessary tasks such as ordering appraisals and title work.

• Compliance:
  Ensure all tasks are performed in compliance with RESPA and other regulatory requirements.
• Initial Disclosures:
  Prepare and send initial disclosures electronically to clients.
• Client Communication:
  Call clients to inform them that initial disclosures have been sent and address any questions they may have.

• Client Support:
  Provide ongoing written and verbal communication with clients throughout the loan process to ensure their needs are met and questions are answered promptly.

• 1+ years mortgage experience as a loan officer assistant or similar processing experience.
• Experience using loan origination software, particularly Encompass, to manage loan applications, documentation, and processing tasks efficiently.
• A thorough understanding and application of all policies, procedures, and regulations to the mortgage industry.
• Exceptional Organizational Skills
  :
  Ability to handle multiple tasks simultaneously, prioritize work effectively, and maintain accurate records and documentation to ensure smooth loan processing.
• Attention to Detail
  : meticulous attention to detail to identify and correct errors, ensure compliance with regulations, and verify the accuracy of all loan documentation.
• Time Management
  :
  Ability to perform tasks quickly and accurately, with strong problem-solving skills to manage daily issues.
• Team Environment
  :
  Ability to collaborate effectively within a team environment, demonstrating strong interpersonal skills and a cooperative attitude.

• Ability to speak, read and write effectively and accurately in Spanish.
• Experience with the program Blend and nCino.
• Experience with Mortgage compliance and Mavent.
• Reviewing file documentation for missing or erroneous information.
• Ability to explain technical concepts in simple terms.
• Willingness to learn new concepts to grow and advance.

• Ability to work in an office environment, while being seated, standing, walking, typing and speaking.