Mortgage Credit Manager jobs in Santa Ana, CA

PRIMARY FUNCTIONS: The Post-Closing Analyst plays a critical role in ensuring the accuracy and completeness of loan documentation following the closing process. This position involves reviewing loan files, verifying data, and resolving discrepancies to facilitate the seamless transition of loans into our servicing portfolio. The ideal candidate possesses strong attention to detail, excellent communication skills, and a thorough understanding of Non-QM mortgage products.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

· Conduct comprehensive reviews of loan documentation to ensure adherence to company policies, regulatory guidelines, and investor requirements.

· Identify and resolve discrepancies or missing information in loan files by collaborating with internal stakeholders and third-party vendors.

· Perform quality control checks on loan documents to minimize errors and mitigate risk.

· Generate reports summarizing post-closing findings, trends, and recommendations for process improvement.

· Escalate complex issues or compliance concerns to management for resolution.

· Collaborate with cross-functional teams, including underwriting, funding, and servicing departments, to streamline post-closing processes and enhance efficiency.

· Maintain organized electronic files and records of post-closing activities in accordance with company policies and industry standards.

DESIRED PERSONAL CHARACTERISTICS:

• Strong analytical skills with the ability to interpret loan files and financial data.
• Excellent communication skills, both written and verbal, with a keen eye for detail.
• Ability to prioritize tasks, meet deadlines, and adapt to changing priorities in a fast-paced environment.
• Proficiency in Microsoft Office Suite

JOB REQUIREMENTS:

EDUCATION:

• Bachelor’s degree in finance, Business Administration, or related field preferred.

EXPERIENCE:

· Minimum of 2 years of experience in mortgage lending, with a focus on underwriting, post-closing, and loan documentation.

· Thorough understanding of Non-QM mortgage products, underwriting guidelines, and regulatory requirements preferred.

PHYSICAL REQUIREMENTS:

· This position is in an office setting with computer and general office equipment. The position requires the ability to move freely around within the department and other department locations.

Job Type: Full-time

Pay: $70,000.00 - $75,000.00 per year

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Schedule:

• Monday to Friday

Ability to Relocate:

• Santa Ana, CA: Relocate before starting work (Required)

Work Location: In person