What are the responsibilities and job description for the Home Loan Compliance Specialist position at IncredibleBank?
JOB REQUIREMENTS: Home Loan Compliance Specialist - Full-Time (40
Hrs/Wk) Location: 327 North 17th Avenue, Wausau, WI, 54401, United
States Employee Type: FT Regular Non-Exempt Description We know what
you\'re thinking. \"What kind of name is IncredibleBank?\" Well, we\'re
glad you asked. With a name like IncredibleBank, we have a lot to live
up to. Our name is a promise we make every day to our customers and to
our team members (and hey, that could be you!). A promise that we strive
to be incredible in everything we do. A promise that will help our
customers, fellow team members, and our communities to do the
incredible. At IncredibleBank, we\'re all about ICE. What\'s ICE? ICE
stands for Incredible Customer ExperienceTM (that\'s right - an
experience so good and so important we trademarked it). ICE illustrates
the core values that drive everything we do - how we conduct business,
how we treat each other, and how we continuously strive to build on our
model of customer-focused banking. Our core values have been in place
for more than 50 years and continue to influence every aspect of our
operation today. So - how can you help us live up to our name? About the
Role We are eager to discuss the prospect of you joining our team as our
next incredible team member! This position allows you to partner with
other team members and key stakeholders to provide Incredible Customer
Experiences of your own! Duties and responsibilities may include:
Responsible for day-to-day mortgage services including, but not limited
to, Central Disclosure Desk, Notice of Incompletes (NOI\'s), Denied and
Withdrawn, HMDA Reporting, and monitoring expiring Prequals and
Preapprovals. Assists with the ordering of title work, verification of
employment, tax transcripts, flood certificates, loan payoffs, and
private mortgage insurance. Prepares the accurate and timely production
of all adverse action notices for denied and/or withdrawn mortgage loan
applications ensuring compliance with Regulation B. Monitors and
maintains accurate investor and portfolio in-process pipelines, and
uploads documents through investor portals. Ensures consistent,
accurate, and timely mortgage loan application processing. Conducts and
performs a monthly HMDA audit of all mortgage loan applications to
ensure accurate and compliant annual company HMDA reporting for the
Bank. Prepares accurate initial disclosures for new mortgage
applications for refinance and purchase transactions for conventional
loans such as Fannie and Freddie, vacant land, HELOC, Home Equity loans,
renewals, construction, and government loans such as Rural Development,
FHA, VA, and WHEDA, within the timing requirement after receiving the
application. Partners with mortgage sales and operational staff to
continually improve efficiencies in the mortgage file opening and
compliance processes. Monitors, prepares, and sends courtesy
Notification of Incompleteness (NOI\'s) on unapproved mortgage loan
applications. Monitors expired inquiries, expired approvals, and
approved not scheduled files. This is a regular full-time hourly
non-exempt position, averaging approximately 40 hours/week. Schedule may
vary between the hours of 8:00 am to 5:30 pm CST Monday through Friday.
This position will work on-site at our IncredibleBank branch location on
17th Avenue in Wausau, WI. About You You do what is right over what is
easy. You don\'t settle for good enough. You\'re driven to learn and
grow. You recognize your impact on the customer experience, regardless
of your role. Those attributes are just a few things our incredible
employees have in common. And, if you are looking for an opportunity to
join a dynamic team, we\'d be so excited to learn a little more about
you and your interest in joining the team! Our recommended and preferred
qualifications are: Associate degree from accredited college or
university; or a minimum of 2-3 years related experience and/or
training; o equivalent combination of education and experience in
Mortgage Operations Or Sales Related Experience Required. Knowledge Of
secondary market (Fannie, Freddie), government (FHA & VA), as well as
Non-QM/portfolio Mortgage Programs Preferred. Experience With Loan
origination system(s), Encompass, preferred but not required. Ability to
communicate both orally and written in a professional manner. Ability to
work under pressure to meet deadlines. About Our Benefits and
Compensation Our promise of ICE extends to our employees as well. Our
employees are our greatest asset, and we strive to show our appreciation
by offering top-tier benefits and, dare we say, more than competitive
compensation that we\'re willing to discuss up front. And we are
constantly evaluating and improving our benefits. In fact, eligible
employees receive over 30 days off per calendar year! That includes 18
days of PTO to begin, PLUS an Anniversary Holiday, Birthday Holiday,
Wellness Holiday, and 12 observed Bank Holidays. Check out our total
rewards package at: https://incrediblebank.mybenefitsapp.com/ About the
Company IncredibleBank first started in 1967 as River Valley Bank with a
single location in Rothschild, WI. And we may have strong roots in
community banking, but IncredibleBank wasn\'t awarded as one of
America\'s Most Innovative Banks by the Independent Community Bankers of
America for our popcorn Fridays. Though we do love free popcorn\... We
strive to stay on the leading edge of banking technology with the goal
providing the best, simplest way for our customers across the country to
do their banking. But if our customers need us, they can pick up the
phone and talk to a real person. And that\'s what makes us America\'s
first national online community bank. And who doesn\'t love the idea of
a national community? Today, IncredibleBank is a \$2.0 billion-asset
institution that has grown to 17 brick-and-mortar locations with
customers in all 50 states. But we know that as an employer, it\'s less
about size than it is about culture. That\'s why we\'re especially proud
to have been certified as a Great Place to Work. Learn more about our
Great Place To Work Engagement Results Here
https://www.greatplacetowork.com/certified-company/7022621
IncredibleBank is an Equal Opportunity Employer. We will consider
applicants for our positions without regard to any category protected by
applicable federal, state, or local law, including but not limited to:
race, color, religion, sex, gender identity, sexual orientation,
pregnancy, age, national origin, physical or mental disability, military
or veteran status, genetic information, or any other protected
classification. PI284792764 \*\*\*\*\* APPLICATION INSTRUCTIONS: Apply
Online: https://www.click2apply.net/yzG2R1hw6aAbZhroximaDm
Hrs/Wk) Location: 327 North 17th Avenue, Wausau, WI, 54401, United
States Employee Type: FT Regular Non-Exempt Description We know what
you\'re thinking. \"What kind of name is IncredibleBank?\" Well, we\'re
glad you asked. With a name like IncredibleBank, we have a lot to live
up to. Our name is a promise we make every day to our customers and to
our team members (and hey, that could be you!). A promise that we strive
to be incredible in everything we do. A promise that will help our
customers, fellow team members, and our communities to do the
incredible. At IncredibleBank, we\'re all about ICE. What\'s ICE? ICE
stands for Incredible Customer ExperienceTM (that\'s right - an
experience so good and so important we trademarked it). ICE illustrates
the core values that drive everything we do - how we conduct business,
how we treat each other, and how we continuously strive to build on our
model of customer-focused banking. Our core values have been in place
for more than 50 years and continue to influence every aspect of our
operation today. So - how can you help us live up to our name? About the
Role We are eager to discuss the prospect of you joining our team as our
next incredible team member! This position allows you to partner with
other team members and key stakeholders to provide Incredible Customer
Experiences of your own! Duties and responsibilities may include:
Responsible for day-to-day mortgage services including, but not limited
to, Central Disclosure Desk, Notice of Incompletes (NOI\'s), Denied and
Withdrawn, HMDA Reporting, and monitoring expiring Prequals and
Preapprovals. Assists with the ordering of title work, verification of
employment, tax transcripts, flood certificates, loan payoffs, and
private mortgage insurance. Prepares the accurate and timely production
of all adverse action notices for denied and/or withdrawn mortgage loan
applications ensuring compliance with Regulation B. Monitors and
maintains accurate investor and portfolio in-process pipelines, and
uploads documents through investor portals. Ensures consistent,
accurate, and timely mortgage loan application processing. Conducts and
performs a monthly HMDA audit of all mortgage loan applications to
ensure accurate and compliant annual company HMDA reporting for the
Bank. Prepares accurate initial disclosures for new mortgage
applications for refinance and purchase transactions for conventional
loans such as Fannie and Freddie, vacant land, HELOC, Home Equity loans,
renewals, construction, and government loans such as Rural Development,
FHA, VA, and WHEDA, within the timing requirement after receiving the
application. Partners with mortgage sales and operational staff to
continually improve efficiencies in the mortgage file opening and
compliance processes. Monitors, prepares, and sends courtesy
Notification of Incompleteness (NOI\'s) on unapproved mortgage loan
applications. Monitors expired inquiries, expired approvals, and
approved not scheduled files. This is a regular full-time hourly
non-exempt position, averaging approximately 40 hours/week. Schedule may
vary between the hours of 8:00 am to 5:30 pm CST Monday through Friday.
This position will work on-site at our IncredibleBank branch location on
17th Avenue in Wausau, WI. About You You do what is right over what is
easy. You don\'t settle for good enough. You\'re driven to learn and
grow. You recognize your impact on the customer experience, regardless
of your role. Those attributes are just a few things our incredible
employees have in common. And, if you are looking for an opportunity to
join a dynamic team, we\'d be so excited to learn a little more about
you and your interest in joining the team! Our recommended and preferred
qualifications are: Associate degree from accredited college or
university; or a minimum of 2-3 years related experience and/or
training; o equivalent combination of education and experience in
Mortgage Operations Or Sales Related Experience Required. Knowledge Of
secondary market (Fannie, Freddie), government (FHA & VA), as well as
Non-QM/portfolio Mortgage Programs Preferred. Experience With Loan
origination system(s), Encompass, preferred but not required. Ability to
communicate both orally and written in a professional manner. Ability to
work under pressure to meet deadlines. About Our Benefits and
Compensation Our promise of ICE extends to our employees as well. Our
employees are our greatest asset, and we strive to show our appreciation
by offering top-tier benefits and, dare we say, more than competitive
compensation that we\'re willing to discuss up front. And we are
constantly evaluating and improving our benefits. In fact, eligible
employees receive over 30 days off per calendar year! That includes 18
days of PTO to begin, PLUS an Anniversary Holiday, Birthday Holiday,
Wellness Holiday, and 12 observed Bank Holidays. Check out our total
rewards package at: https://incrediblebank.mybenefitsapp.com/ About the
Company IncredibleBank first started in 1967 as River Valley Bank with a
single location in Rothschild, WI. And we may have strong roots in
community banking, but IncredibleBank wasn\'t awarded as one of
America\'s Most Innovative Banks by the Independent Community Bankers of
America for our popcorn Fridays. Though we do love free popcorn\... We
strive to stay on the leading edge of banking technology with the goal
providing the best, simplest way for our customers across the country to
do their banking. But if our customers need us, they can pick up the
phone and talk to a real person. And that\'s what makes us America\'s
first national online community bank. And who doesn\'t love the idea of
a national community? Today, IncredibleBank is a \$2.0 billion-asset
institution that has grown to 17 brick-and-mortar locations with
customers in all 50 states. But we know that as an employer, it\'s less
about size than it is about culture. That\'s why we\'re especially proud
to have been certified as a Great Place to Work. Learn more about our
Great Place To Work Engagement Results Here
https://www.greatplacetowork.com/certified-company/7022621
IncredibleBank is an Equal Opportunity Employer. We will consider
applicants for our positions without regard to any category protected by
applicable federal, state, or local law, including but not limited to:
race, color, religion, sex, gender identity, sexual orientation,
pregnancy, age, national origin, physical or mental disability, military
or veteran status, genetic information, or any other protected
classification. PI284792764 \*\*\*\*\* APPLICATION INSTRUCTIONS: Apply
Online: https://www.click2apply.net/yzG2R1hw6aAbZhroximaDm