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Mortgage Specialist

Sovereign Bank
Oklahoma City, OK

Job Details

$55,000 - $75,000 a year

Qualifications

Closing coordination
Underwriting verification process
Underwriting guidelines adherence
Mortgage compliance
Regulatory compliance
Mortgage closing and funding
Mid-level
High school diploma or GED
Driving
Compliance documentation
Coordination (loan closing)
Post-closing quality control (loan processing)
Real estate documentation review
Document quality checks
Customer support for financial loans
Verification (borrower information)
Loan Origination Systems (LOS)
2 years
Audit support

Full Job Description

Summary of position: The Mortgage Operations Specialist is responsible for supporting the residential mortgage lending process from application through closing. This role ensures loans are processed efficiently, accurately, and in compliance with investor, agency, and regulatory requirements. The Mortgage Operations Specialist works closely with loan officers, processors, underwriters, closing staff, title companies, and borrowers to facilitate a smooth transaction and exceptional customer experience.

Key job functions: (Includes current duties, primary objectives, and responsibilities which are critical to the successful performance of the position)

Review loan files for completeness, accuracy, and compliance with company, investor, and agency guidelines.
Collect, organize, and verify borrower documentation, including income, assets, credit, and collateral information.
Coordinate with loan officers, processors, underwriters, title companies, and closing agents throughout the loan lifecycle.
Monitor loan pipeline and proactively identify and resolve conditions or documentation deficiencies.
Prepare, review, and coordinate mortgage closing packages, ensuring all loan documents are accurate, compliant, and delivered in a timely manner to facilitate a smooth closing process.
Ensure compliance with federal, state, investor, and company mortgage lending requirements.
Review disclosures, underwriting conditions, and closing documents for accuracy.
Assist with funding, post-closing, and quality control functions as needed.
Maintain accurate loan records and update loan origination systems in a timely manner.
Communicate effectively with internal teams and external partners regarding loan status and outstanding requirements.
Support audits, compliance reviews, and investor requests.
Meet established service-level agreements and production goals.

Performance Expectations

Maintain high levels of file quality and accuracy.
Meet established turn-time and funding goals.
Ensure compliance with all applicable lending regulations.
Contribute to a positive borrower and referral partner experience.
Support company growth through efficient and scalable operational processes.

Education and Experience:

High school diploma
2-3 years of mortgage industry experience required

Physical Demands: These physical demands are generally representative of the position.

Hearing, speech, close vision
Sitting, including computer use
Driving with own transportation to other branches for meetings/workshops
On occasions, may be required to lift and/or move up to 25 pounds
Job responsibilities may include standing, walking, lifting, kneeling, and crouching

Sovereign Bank is an Equal Opportunity Employer

NOTE: Sovereign Bank does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Sovereign Bank, and Sovereign Bank will not be obligated to pay a placement fee.

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