Job Summary
We are seeking a dedicated Mortgage Specialist (VOE) to join our dynamic financial services team. In this role, you will be responsible for verifying employment and income details through Verification of Employment (VOE) processes to support mortgage loan approvals. Your expertise will ensure compliance with industry regulations, facilitate smooth loan processing, and uphold the highest standards of customer service. The ideal candidate will possess a comprehensive understanding of mortgage lending procedures, financial regulations, and industry best practices to contribute effectively to our mission of providing reliable mortgage solutions.
Responsibilities
- Conduct Verification of Employment (VOE) procedures to confirm applicant income, employment status, and job stability in accordance with loan requirements.
- Collaborate with loan officers, underwriters, and mortgage servicing teams to gather accurate employment data.
- Ensure compliance with Fair Housing regulations, TILA (Truth in Lending Act), FNMA (Fannie Mae) guidelines, and other relevant federal and state mortgage regulations.
- Utilize mortgage servicing software and financial tools such as Quicken or similar platforms to process and document VOEs efficiently.
- Analyze credit reports and perform basic math calculations to assess applicant financial standing.
- Maintain detailed records of all verification activities, ensuring data accuracy and confidentiality.
- Assist in loan origination and processing by providing timely employment verification information for underwriting decisions.
- Stay informed about industry knowledge of financial regulations, banking compliance standards, and mortgage lending practices.
- Support the review of contracts, escrow documentation, and compliance with loan regulations throughout the loan lifecycle.
- Demonstrate excellent customer service skills by communicating professionally with applicants and internal teams.
Skills
- Strong negotiation skills to facilitate effective communication with employers and applicants.
- Proficiency in mortgage servicing software, financial software, and accounting tools such as QuickBooks or similar platforms.
- Knowledge of industry-specific regulations including TILA, Fair Housing laws, FNMA guidelines, and banking compliance standards.
- Experience in mortgage servicing, loan origination, underwriting, and loan processing.
- Solid understanding of credit analysis, financial sales techniques, and commercial lending analysis related to risk assessment.
- Basic math skills including 10-key typing proficiency for accurate data entry.
- Familiarity with escrow processes, contracts management, and banking regulatory compliance requirements.
- Excellent customer service abilities coupled with strong organizational skills for managing multiple verification requests simultaneously.
- Industry knowledge of financial regulations affecting mortgage lending and servicing operations.
If you are committed to accuracy, compliance, and delivering exceptional service within the mortgage industry, we encourage you to apply today. Join our team as a Mortgage Specialist (VOE) and play a vital role in supporting our clients' homeownership goals through professional expertise and dedicated service.
Benefits:
- Health insurance
- Work from home
Work Location: Remote
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Benefits:
- 401(k)
- Dental insurance
- Health insurance
- Vision insurance
- Work from home
Education:
- High school or equivalent (Required)
Experience:
- VOE : 1 year (Preferred)
- Mortgage servicing: 1 year (Preferred)
- Mortgage Processing: 1 year (Preferred)
Work Location: Remote
