Post-Closing Mortgage Representative

Description

Job Title: Post-Closing Mortgage Representative

Job Location: Fully Remote

Job Type: Full-Time / Non-Exempt / Billable Hours

Reports To: Mortgage Verification Manager

Base Rate: $19 - $22 per hour

Full-Time Benefits:

• Paid Time Off and Paid Holidays
• Health, Dental, Vision, Life Insurance, Supplemental Health Benefits, Flexible Spending Accounts
• 401K with Company Match

About Us: Frasco is a leading provider of investigative services for our clients in the insurance and mortgage industry. We are committed to delivering accurate, high-quality investigation services to meet our clients' expectations.

Job Description: As a Post-Closing Mortgage Representative, you will be reviewing closed loan files and re-verifying information from the loan application, such as employment / income, assets and undisclosed liabilities. In addition, the role includes researching and entering information accurately into the company database, which generates detail-oriented reports based on the findings. Your responsibilities will include but are not limited to:

Essential Job Functions:

• Review mortgage documents to identify possible misrepresentations or discrepancies
• Perform and manage verification of employment with various employers
• Verify assets with banks and review credit records for undisclosed debts
• Obtain records from various websites to confirm / dispute information in the loan application
• Maintain effective record keeping for all calls, e-mails and case related communications
• Create and submit confidential verification requests and follow up to ensure timely responses
• Can meet due dates during periods of high volume
• Work within a given period of time to complete these tasks
• Complete relevant entries in web-based system for verifications to compile final report

Requirements

Competencies:

Attention to Detail: The ability to meticulously review mortgage documents, conduct database searches, and identify discrepancies in information.

Data Analysis: Proficiency in quickly analyzing and interpreting data from various sources, ensuring accuracy and reliability.

Time Management: Effective time management skills to meet deadlines and handle tasks efficiently, especially during high-volume periods.

Record Keeping: Strong organizational skills to maintain comprehensive and orderly records of all submissions.

Confidentiality: Adherence to strict confidentiality standards when handling sensitive and confidential data related to mortgage applications.

Computer Proficiency: Comfort and skill in navigating computer systems, including data entry at a minimum of 50 words per minute, and a good understanding of Microsoft products.

Independent Work: The ability to independently manage daily assignments and work remotely.

Adaptability: Flexibility to work comfortably in a fast-paced, detail-oriented environment where tasks may change quickly.

Communication Skills: Strong written and verbal communication skills for providing timely updates and collaborating effectively with team members.

Research Skills: Proficiency in conducting online research using a variety of databases and public record sources.

Spelling and Grammar: Strong spelling and grammar skills to ensure high-quality written communication.

Requirements: Candidates for this position must meet the following requirements:

• Knowledge of Microsoft products
• Experience with navigating computer systems as well as excellent data entry skills (minimum of 50 WPM)
• Self-starter who holds themselves accountable for results and performance
• Exceptional writing skills
• Dedicated workspace and accessible during normal business hours
• Smartphone and good internet connection
• Private investigator license or willingness to get licensed (requirements vary by state)

Preferred Skills/Experience:

While not required, the following skills and experience are preferred:

• Bilingual in Spanish and English
• Associate’s or Bachelor’s Degree
• Background in mortgage quality control, mortgage industry and / or investigations

Physical Requirements: This position requires the ability to perform the following physical tasks:

• Ability to sit for extended periods while performing tasks at a computer workstation. Limited requirements for mobility, as the role primarily involves desk-based activities.
• Sufficient visual acuity to read and interpret information from various sources, including mortgage documents and computer screens.
• Adequate fine motor skills to operate a computer keyboard and mouse with precision during data entry and document review.
• Ability to hear and comprehend verbal communication either in person, over the phone, or through other communication devices.
• Occasional lifting of documents, office supplies, or materials weighing up to 25 pounds may be required.
• Ability to perform repetitive tasks, such as data entry and document review, with a focus on accuracy and attention to detail.
• Clear and effective verbal communication skills to interact with colleagues, clients, and others.

ADA Requirements:

In accordance with the Americans with Disabilities Act (ADA), reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position. If you require any accommodations during the application process or while performing the job functions, please contact our HR department to discuss your needs and determine appropriate accommodations.

Frasco is an equal opportunity employer and values diversity in our workforce.

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