Careers

This individual will be responsible for the management and oversite of National Mortgage Operations to include, Set Up, Loan Processing, QA, Closing, Funding and Post Closing. The Director is directly responsible for ensuring the timely, accurate, compliant processing and closing of all loans. This individual sets and communicates direction, goals, and objectives in alignment with production goals and objectives, as well as Corporate directives for consistency and efficiency. The Director will provide training, guidance, and support for all team members. They will implement new strategies and processes to deliver quality loans and reduce the cost to produce loans. This individual will be responsible for managing the performance of employees as well as hiring new employees as needed.​

Essential Duties

• The ability to provide exemplary written and verbal communication is crucial for this position.
• Directly responsible for the following departments: Set Up, Processing, QA, Closing, Funding and Post Closing on a National basis
• Exhibit effective workforce management skills and be able to achieve/maintain productivity in each department that is acceptable to our internal and external customers.
• Provide training and guidance for all departments
• Responsible for staffing and budgeting of all the department with the help of the regional managers and in collaboration with sales management
• Provide direct and concise performance management or termination as necessary
• Develop productivity and quality standards and measure the results continuously
• Continually seek and implement system and process enhancements to increase productivity or quality
• Work closely with the Project Manager and all Department heads to meet company objectives
• Respond quickly and precisely to any Agency, QC, Investor or other department request or reports as it relates to operations.
• Create and implement and action plan and a feedback loop for continuous improvement based on the results of these reports.
• Maintain a less than 5% error rate on QC reports with a goal of lower than 3%
• Work with the BI team to develop productivity and quality scorecards for the departments
• Review escalated issues in a timely manner
• Provide outstanding customer service to internal and external customers
• Effectively utilizes each team member to accomplish the project objectives
• Participates as a member of the project team

The National Underwriting Manager is responsible for the management and oversight of underwriters on the underwriting team that performs underwriting of Conventional conforming, non-conforming and Government loans in a timely manner for completeness and compliance with Citywide Home Loan guidelines. In this role, you will underwrite and review submitted files to analyze for Capacity, Capital, Character, and Condition. This includes ensuring that loan requests meet program and product specifications or counteroffer to a different product and/or program when appropriate. In addition, you will communicate decision (approval, suspense, denial) to appropriate individuals within Citywide Home Loans, uphold fair lending practices of Citywide, quality and customer satisfaction, and perform a second review of contract underwritten denials.

They will provide training, guidance, and support for all team members to maintain company quality standards. Manage, direct, and implement underwriting/operational strategies and objectives to ensure the achievement of Citywide’s corporate values to deliver high-quality loan decisions in accordance with credit policy and support superior customer service levels.

Responsibilities:

• Manage, direct, and mentor assigned underwriters on team
• Coach underwriters on company investment and quality standards in order to ensure company standards in regards to production and turn time
• Promote consistency in operations and loan review
• Exhibit effective workforce management skills and be able to achieve/maintain productivity standards.
• Ability to effectively manage full-time hourly workers and exempt management staff located on-site and remote employees throughout the U.S.
• Monitor and react to variances in required service levels
• Monitor, trend and analyze underwriting performance based on Quality Control results, loan performance, and portfolio characteristics.
• Mentor and promote superior customer service attitude within team
• Foster communication and team environment between underwriting, operations, and sales
• Creates environment that fosters continuous improvement and promotes continuous development
• Creatively integrates different ideas and perspectives
• Leads by Example
• Training of new personnel to ensure consistency.
• Provide support and guidance to underwriting team in regards to underwriting scenarios and questions
• Participate in ongoing enhancement/training of team members.
• Promote cross training of all underwriters
• Research and respond quickly to requests from internal audit and quality control
• Be able to underwrite Jumbo loans, special programs as determined by lending authority set by Management.
• Manage and assist in coordinating effort between support departments and sales within the organization. Partner with Sales and Operations to promote and achieve the highest level of customer service. Partner with Compliance and Quality Control to ensure alignment and achievement of risk profile and goals.
• Review and maintain guidelines to stay up-to-date with all requirements.

Summary: Reporting to the Chief Legal and Compliance Officer, the Senior Counsel serves as a senior attorney within the company’s legal and compliance departments. The Senior Counsel will provide legal and compliance advice for mortgage company operations, as well as contracts, agreements, and secondary market transactions. The Senior Counsel will also have responsibility for research and drafting of policies and procedural documents and working with operations personnel to develop and implement those policies

Responsibilities:

• Research and provide legal advice to all business areas with regard to regulatory compliance issues.
• Review relevant compliance materials and provide guidance to affected internal areas.
• Actively participate in the coordination and implementation of company-wide initiatives.
• Assist in the design, implementation, and upkeep of company policy and procedure to ensure compliance in all states and federal jurisdictions.
• Review agreements with third parties to ensure compliance with law and regulation as well as company standards.
• Engage and provide legal advice and guidance in licensing, regulatory examination and secondary market matters.
• Supervise legal and compliance department personnel, as assigned by the Chief Legal and Compliance Officer.
• Perform other duties and special projects for the Chief Legal and Compliance Officer.

Summary: Reporting to the Chief Legal and Compliance Officer, the Senior Counsel serves as a senior attorney within the company’s legal and compliance departments. The Senior Counsel will provide legal and compliance advice for mortgage company operations, as well as contracts, agreements, and secondary market transactions. The Senior Counsel will also have responsibility for research and drafting of policies and procedural documents and working with operations personnel to develop and implement those policies

Responsibilities:

• Research and provide legal advice to all business areas with regard to regulatory compliance issues.
• Review relevant compliance materials and provide guidance to affected internal areas.
• Actively participate in the coordination and implementation of company-wide initiatives.
• Assist in the design, implementation, and upkeep of company policy and procedure to ensure compliance in all states and federal jurisdictions.
• Review agreements with third parties to ensure compliance with law and regulation as well as company standards.
• Engage and provide legal advice and guidance in licensing, regulatory examination and secondary market matters.
• Supervise legal and compliance department personnel, as assigned by the Chief Legal and Compliance Officer.
• Perform other duties and special projects for the Chief Legal and Compliance Officer.

This individual will be responsible for developing and leading organization wide training department and initiatives. This individual will be responsible for the development of accurate training materials, job aids, webinars, on-site training classes and any user guides necessary to provide accurate and comprehensive training to all departments. The Training and Development Manager must have a comprehensive knowledge of mortgage lending, products, and procedures. The ideal candidate will have the ability to identify, research and determine root causes of escalated operational issues and recommend and implement training for resolution. This individual will manage a team of trainers.

Essential Duties

• The ability to provide exemplary written and verbal communication is crucial for this position.
• Creates and executes complex project plans and revises them as appropriate for the project needs
• Defines and manages projects of moderate to large scope
• Facilitates and coordinates project activities and tasks to execute the project plan
• Manages, scope, schedule, and cost within plan
• Ensures proper assignment and coordination of resources per plan
• Facilitates the definition of quality and risk and manages the project accordingly. Resolves and/o escalates project-related issues in a timely fashion.
• Tracks status and metrics on the project delivery and value; escalates to management upon identification of deviations from plan
• Effectively manages communications, expectations, and interaction with all department and stakeholders
• Delivers informative, well-organized presentations on project status and selected project topics
• Effectively utilizes each team member to accomplish the project objectives
• Facilitates project governance and maintains project-management documentation
• Participates as a member of the project team
• Has the ability to manage multiple projects simultaneously
• Uses proven leadership skills to collaborate with all functional groups to initiate, plan, execute, monitor and control and close projects for which they are solely accountable.
• Helps create and continuously improve Citywide Home Loans project management methodologies and processes

Internal Audit will review all Citywide Home Loans (“CHL”) departments for compliance with federal and state laws, as well as all requirements of regulatory agencies, investors, and warehouse banks, and ensure that adequate controls are in place for all CHL departments. The Internal Audit Requirements are intended to provide an explanation of the process and procedures to ensure that CHL is performing satisfactory internal audits to reduce risk.

Duties and Responsibilities:

• Evaluating the systems established to ensure compliance with those policies, plans, procedures, laws, and regulations which could have a significant impact on the organization.
• Evaluating the effectiveness and efficiency with which resources are employed.
• Evaluating operations or programs to ascertain whether results are consistent with established objectives and goals and whether the operations or programs are being carried out as planned.
• Monitoring and evaluating governance processes.
• Monitoring and evaluating the effectiveness of the organization’s risk management processes.
• Performing consulting and advisory services related to governance, risk management and control as appropriate for the organization.
• Reporting periodically on the internal audit activity’s purpose, authority, responsibility, and performance relative to its plan.
• Reporting significant risk exposures and control issues, including fraud risks, governance issues, and other matters needed or requested by the Board.
• Evaluating specific operations at the request of the Board or management, as appropriate.

Internal Audit will review all Citywide Home Loans (“CHL”) departments for compliance with federal and state laws, as well as all requirements of regulatory agencies, investors, and warehouse banks, and ensure that adequate controls are in place for all CHL departments. The Internal Audit Requirements are intended to provide an explanation of the process and procedures to ensure that CHL is performing satisfactory internal audits to reduce risk.

Duties and Responsibilities:

• Evaluating the systems established to ensure compliance with those policies, plans, procedures, laws, and regulations which could have a significant impact on the organization.
• Evaluating the effectiveness and efficiency with which resources are employed.
• Evaluating operations or programs to ascertain whether results are consistent with established objectives and goals and whether the operations or programs are being carried out as planned.
• Monitoring and evaluating governance processes.
• Monitoring and evaluating the effectiveness of the organization’s risk management processes.
• Performing consulting and advisory services related to governance, risk management and control as appropriate for the organization.
• Reporting periodically on the internal audit activity’s purpose, authority, responsibility, and performance relative to its plan.
• Reporting significant risk exposures and control issues, including fraud risks, governance issues, and other matters needed or requested by the Board.
• Evaluating specific operations at the request of the Board or management, as appropriate.

Citywide Home Loans is seeking an experienced Encompass LOS Software Developer to participate in the transition from Encompass360 (client hosted) Loan Origination System to Encompass Next Gen. (Cloud Based) Loan Origination System and the continued system maintenance and development of system enhancements including API’s development to support our current and future business needs.

The Encompass Developer will provide specialized technical and business knowledge to multiple application development and enhancement projects.  This role has principal responsibility of creative programming and related maintenance of the company’s Mortgage Software interfaces.  The Encompass Developer will collaborate with the Director of Encompass Management, Encompass Team Members, and other Mortgage Professionals as needed, on project build processes, testing, training, and project rollouts.

The ideal candidate will be a dynamic individual who has a passion for technology based solutions, a commitment to customer service, and an ability to develop innovative, creative solutions to technical problems in a fast, paced environment.

Primary Responsibilities & Objectives

• Translate VB.Net and C# code to JavaScript to ensure continued system functionality;
• Accurately and efficiently analyze, code, and modify software enhancements;
• Design, code and implement complex Encompass modules like price adjustment, disclosure, re-disclosure, milestone completion rules, system integrations, API’s, custom data-objects, and data-forms;
• Use modern programming languages/technologies and apply industry standard software development best practices, (naming, notation, testing, Source Control, etc.);
• Make recommendations on Encompass system changes and optimizations;

• Perform QA (Alpha) testing and coordinate user acceptance (Beta) testing;
• Complete other duties as assigned.

Utah’s top mortgage banker, Citywide Home Loans, is looking for a Loan Officer Assistant to join our busy and fast paced team. We are looking for a self-starter with excellent organizational skill. An enterprising person who is an efficient multi-tasker and has great people skills. Individual must be computer savvy. The qualified candidate must have working knowledge of Microsoft Word, Excel and Office. Individual must have experience in the mortgage industry.

Responsibilities

• Work on specific tasks assigned by Loan Officer
• Ensure files move through processing and closing in a timely manner
• Sit with clients to complete document packages. If not licensed then this person can only act in a courier fashion. They cannot discuss the application package.
• Follow up with clients to request missing documentation on the loan
• Preliminary research needed on the loan to help determine mortgage eligibility
• Any other miscellaneous requirements of the team
• Ordering credit, and appraisals
• Preparing Files for submission to processing
• Setting signing appointments

Essential Duties and Responsibilities

The Loan Officer (LO) for Citywide Home Loans proactively solicits new residential mortgage business and works with the operations and processing teams to collect document as needed for smooth closing mortgage loans. In this on-going sales role, the LO continually identifies, develops and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities.

An LO’s network may consist of Real Estate professionals, Builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the LO’s regular participation in business related development opportunities, community efforts to promote home-ownership and professional organizations.

The LO will be responding to customer inquiries and referrals that are generated from both their own contacts as well as from other business channels. The LO conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advice customers of product/pricing policies and guidelines, and gather any additional required information.

The LO ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA requirements.

Citywide Home Loans is now hiring a Final Docs Specialist to join our fast-moving, hard-working Post-Closing team.

What You’ll Do

• Responsible for receipt and accuracy of all recorded mortgages and final title policies.
• Data entry of received mail.
• Imaging of all recorded final docs.
• Monitor unsold loans.
• Ship documents once sold to designated investors in a timely manner.
• Monitor Investors Final Doc Reports to ensure that nothing is aged; clear suspensions and following up until reconciled.
• Prepare and correct all necessary documents pertaining to Final Docs; Security Instruments, riders, endorsements, etc.
• Print and mail borrower Goodbye Letters and Insurance Change Letters.
• Transfer MERS (Mortgage Electronic Registration System) once loans are sold to designated investors.

One of Utah’s fastest growing mortgage bankers, Citywide Home Loans, is seeking a full-time Branch Controller to join our dynamic accounting team. Applicants must have strong analytical skills, as well as outstanding attention to detail. A great attitude and upbeat personality is always a must. Applicants must be extremely organized, with experience in all areas of accounting. Mortgage industry experience is a plus.

Responsibilities:

• Supervision of daily transactional posting of loan fundings and loan sales with an attitude of process improvement within our existing systems, (Encompass and AMB)
• Daily and monthly reconciliation and reporting of all loan-related transactions, including loan fundings, loan sales, interim servicing activities, warehouse lines of credit
• Preparation and distribution of monthly branch P&L’s to our 50+ branches
• Respond to Branch Manager requests for financial information and assist with scenario analysis
• Other projects and duties as assigned

Are YOU the one we are looking for? Maybe!

We are looking for someone who wants a CAREER.
We are looking for someone who wants to be REWARDED for their work ethic.
We are looking for someone who is ANXIOUS to prove they are a SUPERSTAR.

We are looking to hire an entry-level position on our mortgage team. We are looking for the right person rather than a long list of experience most people are looking for.

The right person will quickly excel in our environment, be given more responsibility and opportunity, and thrive. The wrong person will not enjoy our environment of excellence, high expectations and intensity to succeed.

We are looking for someone who will:
Assist in gathering the necessary paperwork to complete a mortgage loan.
Complete the necessary verifications (employment, assets, property, etc.) to obtain loan approval.
Review assets and income to ensure customer qualifications.
Work with other members of the team to find solutions.
Work with our customers and business partners to meet all contract deadlines.
Mortgage, real estate, title, banking, finance experience is a plus.

If you have read this far you are probably someone we would like to learn more about. Do not reply to this email with your resume, cover letter, interest etc. If you would like to apply, please follow this link to tell us a little bit about yourself and provide us with your resume:
http://www.lendingahand.com/jobs/

One of Utah’s fastest growing Mortgage companies, Citywide Home Loans, is looking to hire a full time receptionist to join our busy team. Applicant must be organized, attentive, outgoing and able to learn quickly. Mortgage experience or knowledge preferred.

Duties include

• Receive, direct and relay telephone message and fax messages
• Direct callers to the appropriate contacts
• Pickup and deliver the mail
• Assist in the planning and preparation of meetings, conferences and conference telephone calls
• Answer multi phone line
• Greet, assist and/or direct visitors
• Perform other related duties as required