Lending Specialist

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Are you ready for new challenges and new opportunities?

Department: Financial Institutions Group - Internal Audit

We are seeking a Lending Specialist to join our Financial Institutions Group in our Troy, MI office which serves financial institution clients across the nation. Ability for hybrid work schedule.

• Perform lending audits for financial institutions which will include review of lending policies and procedures to determine adequacy, proper approval and training in place
• Review various types of loan packages to ensure completeness, accuracy, and adherence to underwriting guidelines and purchase standards for Consumer and Real Estate related loans.
• Review of credit decisions
• Review Post-Closing activities including loan sale
• Verify data is consistent between final closing documents and Loan Origination System
• Perform servicing audits, review audit results on loans being currently serviced/sold by clients.
• This includes an analysis of loan boarding, payment processing, ARM adjustments, Annual Escrow Analysis, PMI removal, payoff processing, monthly statements
• These requirements include but are not limited to Servicing Investor guidelines (FNMA, FHLMC, FHA etc.), Federal and State regulations.
• Reviewing and validating identified errors and conditions as a result of an internal or external audit on all Servicing related issues: including but not limited to all Servicing Mortgage Investor Guidelines (Ginnie Mae, Fannie Mae, Freddie Mac etc. ) and Federal or State Applicable related Servicing Guidelines. Assessing defects for validity against Agency, Federal guidelines and client portfolio internal policies.
• Participate in meetings to discuss results of the completed audits
• Identifying root cause of errors and making recommendations to remediate errors
• Effectively communicate with wide variety of financial institutions

• Bachelor’s degree in accounting, finance, economics, business administration, or related discipline preferred.
• 3+ years of Lending and/or Servicing experience or Lending/Servicing mortgage auditing experience
• Strong knowledge of Federal and Agency (FNMA /FHLMC) Servicing guidelines and procedures a plus
• Strong analytical and problem-solving skills
• Excellent verbal and written communication skills
• FHA and/or VA knowledge experience a plus
• Ability to manage multiple tasks and work in a fast-paced, highly professional team environment
• A desire to stay informed of industry trends through continuous internal training, self-education, and continuing professional education opportunities.