Cardinal Financial is a nationwide direct mortgage lender whose mission is to prove that homeownership is possible for everyone. By bringing an open-minded approach to an often closed-minded industry, we're able to embrace every unique financial situation differently in order to craft the best possible loans for our borrowers. We pride ourselves on providing excellent service backed by our groundbreaking technology, and these two components of our process come together to complete a simple, personalized mortgage experience. But it all starts with our people.
We believe that no matter where you fit in our organization—Sales, Human Resources, Information Technology, or even re-stocking the break rooms with endless coffee supplies—everyone can influence the experience that we provide to our customers and our partners. We tell our customers and our partners that anything can be reimagined. So why not your career? Looking to join a company that values its people, innovates and expands on its proprietary technology, and is growing at a ridiculous rate?! Apply below!
Who We Need:
Within this role, you will be responsible for reviewing loan approval and conditions to validate completeness and accuracy in preparation of closing documents in compliance with state and federal requirements. You will be interfacing with borrowers, settlement agents, realtors, attorney’s, and various other internal and external customers while delivering exceptional customer service and guidance as it relates to initial file setup, RESPA guidance, initial disclosures, re-disclosures and automated underwriting review for eligibility. This is a highly technical position and requires the ability to work independently and provide a keen attention to detail.
What You Will Do:
Verifying loan file setup, verifying loan structure and qualification per automated underwriting and company guidelines.
Provide a world-class closing experience to our borrowers and third-party vendors.
Review escrow account to ensure escrows are being calculated and established properly.
Review, balance and approve a final Closing Disclosure statement for correct fees, escrows, payees, distribution of funds and RESPA requirements.
Prepare and deliver closing documents and settlement statements to settlement agents, title companies and borrowers.
Meet daily, weekly and monthly internally specified requirements surrounding successful productivity requirements without compromising loan quality.
Work as a team with sales, processing, underwriting, funding and management to ensure the loans in your pipeline are closed with attention to detail, accuracy, and within compliance of corporate policies and RESPA.
Ensures exceptional customer service by maintaining a 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 RESPA requirements.
What You Need:
High school diploma or GED.
2+ years of closing, funding or mortgage operations experience in a high energy, fast paced mortgage lender environment.
Knowledge of how to review and evaluate FNMA, FHLMC, and government AUS findings, underwriting approvals, credit reports, income and asset documents, appraisals, title reports, payoff demands.
Ability to adapt well to change.
Exceptional computer skills.
Demonstrate responsibilities for multi-faceted direction and planning; must be a fast-paced individual.
Excellent verbal and written communication skills.
Excellent analytical and organizational skills.
Ability to take direction and comprehend training.
Ability to work closely within a team structure.
Working knowledge of Microsoft Suite, specifically Word and Excel.
Working knowledge of Google Apps.
Working knowledge of Encompass software system a plus.
Working knowledge of Doc Magic a plus.
Constant phone interaction required.
Extended and weekend work hours may be required.
Must abide by the Company standards for email and telephone etiquette.
What We Offer:
Strength, Stability, and Vision.
A commitment to be a relevant market leader - we are aiming for the top!
Highly engineered proprietary technology that is revolutionizing the mortgage industry.
An empowered culture where your ideas are important and your voice matters.
Opportunity for career growth.
Competitive compensation package.
Benefits that become effective the first day of the month following your start date including - Medical, Dental, Vision, Disability Insurance and much more.
401K w/ 50% match up to a maximum employee contribution of 5%- Effective the 1st of the month following 30-days of employment.