mortgage processing manager

BELL BANK

<div>This position assists with processing all mortgage loans assigned under the direction of the Branch Manager, VP Processing and/or Operations Managers by performing the following essential duties and responsibilities.

Primary Duties:
<ul>
<li>Assist processing on the review of all new loan applications to ensure compliance with all investor agency/federal compliance guidelines.</li>
<li>Update loan files, the mortgage computer system, and the tracking system as information is received.</li>
<li>Assist in the review of credit documents for accuracy and compliance with investor/ agency guides. Identify potential problems and discusses them with processor and/or supervisor.</li>
<li>Follow and monitor the schedule of closing with title companies.</li>
<li>Assist/prepare loan file for underwriting and closing, secure MDIA compliance review and hazard insurance binder, H06 for condominiums and PUDs, complete TRID checklist.</li>
<li>Remain informed of all aspects of investor/agency/compliance policies that affect the processing of mortgage loans.</li>
<li>Remain knowledgeable of all loan programs offered.</li>
<li>Know by name and face as many customers and employees as possible, calling them by name as often as possible.</li>
<li>Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.</li>
<li>Know, understand, and live the company values and bottom line.</li>
<li>Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.</li>
<li>All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.</li>
<li>Prompt and reliable attendance.</li>
<li>Perform other duties as assigned.</li>
</ul>
Job Skills Required:
<ul>
<li>One to two years of mortgage experience preferred.</li>
<li>Basic understanding of FHA/VA, FNMA, FHLMC, FDIC Compliance, ATR/QM, mortgage audit underwriting, appraisal and investor guidelines.</li>
<li>Proficient computer and accurate typing skills.</li>
<li>Ability to function efficiently and effectively under deadlines and stress while maintaining a professional and mature profile.</li>
<li>Ability to manage time, prioritize and multi-task.</li>
<li>Ability to work extremely well with internal and external customers using excellent written and oral communication skills.</li>
<li>Detail oriented with the ability to put puzzle pieces together.</li>
<li>Ability to work well with people with diversified personalities.</li>
<li>Ability to work as a team member.</li>
<li>Self-motivated to research and problem solve.</li>
</ul>
 
Additional Details :
<div>If you love sales and are passionate about helping others purchase their dream home, consider a career with Bell Bank's mortgage team. You will work with colleagues in a first class culture that provides a family atmosphere, enjoy great benefits and provides a high level of service that makes each mortgage run smoothly - by sending closing packages five days before the closing, in-house underwriting and processing and having a support team to allow you to work efficiently.

Bell Bank Mortgage is backed by the financial strength of one of the nation's largest independently owned banks. Founded in 1966 in Fargo, North Dakota, Bell Bank has more than $14 billion in assets and full-service banking locations in Arizona, Minnesota and North Dakota. Bell has empowered more than $30 million in charitable giving through its unique Pay It Forward initiative, through which every employee chooses each year how to help individuals, families and organizations in need.

Originally founded in 1880 by early Minneapolis civic leader David C. Bell, Bell's mortgage division today has thousands of family mortgages to its name. Bell Bank Mortgage has been in Arizona since 1997 and has several regional offices in the United States.

Bell Bank has been recognized as a top bank and a top financial workplace by American Banker, Forbes and Fortune, and has been named among America's top mortgage employers by National Mortgage Professional magazine.

If you want to work for a strong, growing, forward-looking organization with world-class employees, this is the place for you.

Bell's Values:

As stewards, dedicated to the growth and reputation of this independently owned organization, we are committed to:
<ul>
<li>Promoting and sustaining our family atmosphere.</li>
<li>Providing unequaled personal service to each and every customer.</li>
<li>Paying it forward.</li>
</ul>
Our Bottom Line:

Happy Employees! Happy Customers!
</div>
<div><div><div><div>In addition to salary, Bell Bank offers a comprehensive benefits package including, healthcare, (medical, dental, vision) employee stock ownership program, and 401(k) contribution and profit-sharing plan. All benefits are subject to eligibility requirements.
</div>
<div></div><div>Bell Bank</div>
<div>Equal Opportunity Employer</div></div></div></div></div>

Mortgage Junior Processor

PENNYMAC

<div>PENNYMAC:
<div>
Pennymac (NYSE: PFSI) is a specialty financial services firm with a comprehensive mortgage platform and integrated business focused on the production and servicing of U.S. mortgage loans and the management of investments related to the U.S. mortgage market.</div><div></div><div> 
At Pennymac, our people are the foundation of our success and at the heart of our dynamic work culture. Together, we work towards a unified goal of helping millions of Americans achieve aspirations of homeownership through the complete mortgage journey.</div>
A Typical Day:
<div>
The Mortgage Fulfillment Manager acts as a key contributor in workflow management, new initiatives, process development and culture building. As the Mortgage Fulfillment Manager, you will monitor workflows and queues to ensure service levels are met, develop process improvements or actively seek methods to streamline business processes and manage and set goals for a team.</div><div></div><div> 
The Mortgage Fulfillment Manager will:</div> 
<div></div><ul><li>
Effectively leverage resources to monitor queue performance, identify patterns and trends causing issues and work towards business solutions</li><li>
Develop new and more innovative, efficient processes to improve overall end to end cycle times or improve quality</li><li>
Support, recommend and implement technology initiatives</li><li>
Be responsible for communicating monthly results to Management on departmental performance objectives</li><li>
Act as the main point of escalation for all issues within the function</li><li>
Perform capacity and staff planning to ensure adequate service levels are met</li><li>
Perform other related duties as required and assigned</li><li>
Demonstrate behaviors which are aligned with the organization&rsquo;s desired culture and values</li></ul>
What You&rsquo;ll Bring:
<ul><li>Bachelor&rsquo;s degree or equivalent work experience</li><li>
5+ years of relevant work experience</li><li>
Advance knowledge of Microsoft Office (Excel, Access, Word and PowerPoint)</li><li>
Mortgage experience is a plus</li></ul>
Why You Should Join:
<div>
As one of the top mortgage lenders in the country, Pennymac has helped over 4 million lifetime homeowners achieve and sustain their aspirations of home. Our vision is to be the most trusted partner for home. Together, 4,000 Pennymac team members across the country are guided by our core values: to be Accountable, Reliable and Ethical in all that we do. Pennymac is committed to conducting a business that makes positive contributions and promotes long-term sustainable growth and to fostering an equitable and inclusive environment, where all employees and customers feel valued, respected and supported.</div><div></div><div> 
Benefits That Bring It Home: Whether you're looking for flexible benefits for today, setting up short-term goals for tomorrow, or planning for long-term success and retirement, Pennymac's benefits have you covered. Some key benefits include:</div><ul><li>
Comprehensive Medical, Dental, and Vision</li><li>
Paid Time Off Programs including vacation, holidays, illness, and parental leave</li><li>
Wellness Programs, Employee Recognition Programs, and onsite gyms and cafe style dining (select locations)</li><li>
Retirement benefits, life insurance, 401k match, and tuition reimbursement</li><li>
Philanthropy Programs including matching gifts, volunteer grants, charitable grants and corporate sponsorships</li></ul><div></div><div> 
To learn more about our benefits visit: https://pennymacnews.page.link/benefits</div><div></div><div> 
For residents with state required benefit information, additional information can be found at: https://www.pennymac.com/additional-benefits-information</div><div></div><div> 
Compensation: Individual salary may vary based on multiple factors including specific role, geographic location / market data, and skills and experience as defined below:</div><ul><li>
Lower in range - Building skills and experience in the role</li><li>
Mid-range - Experience and skills align with proficiency in the role</li><li>
Higher in range - Experience and skills add value above typical requirements of the role</li></ul><div></div><div> 
Some roles may be eligible for performance-based compensation and/or stock-based incentives awarded to employees based on company and individual performance.</div> 
<div></div>
Salary: $65,000 - $100,000 Work Model: OFFICE</div>

Mortgage Fulfillment Manager

Royal Credit Union

Team Members are at the core of who we are; living our core values of making a difference, doing the right thing, making it easy, being caring, being friendly, nice, and respectful, and taking ownership. Perhaps Royal is the change you’re looking for. Royal Credit Union is looking for caring, energetic team members who want to create a positive impact in the lives of our Members.
 
Is this you? If so, let us know by submitting an application!
 
Are you organized, detail-oriented, and passionate about delivering exceptional service? Become a Mortgage Processing Assistant at Royal Credit Union! In this role, you’ll support mortgage loan processing, obtain and verify essential documents, coordinate important services, and help create an outstanding experience for Members and team members alike.
 
Why Royal?
 <ul>
<li>Member and Community Focused: We are dedicated to making a positive impact on our Members and the communities we serve, going beyond financial services to enrich lives and foster growth.</li>
<li>Supportive Environment: Join a collaborative, values-driven workplace that is always evolving. We support each other and work together to achieve our goals.</li>
<li>Professional Growth: We offer numerous opportunities for training and advancement, helping you continuously develop and advance your skills.</li>
<li>Empowerment: We empower our team members to make decisions and drive initiatives that help our Members achieve their financial goals. Your ideas and contributions are valued and encouraged.</li>
<li>Community Involvement: Engage with your local community through various initiatives and events, making a tangible difference where you live and work. Be part of something bigger.</li>
</ul>
What You’ll Do: 
The Mortgage Processing Assistant role will provide clerical support for mortgage loan processing and originating activities. Provide exceptional experience to our clients, Members, and team members with every interaction. Obtain and verify documents needed for loan processing and originating. Order necessary services for mortgage loans and complete final steps before closing.
 
Our Commitment To You: 
<ul>
<li>Compensation: (candidates with significant related experience may be higher and pay also depends on candidates location)</li>
<li>WI range: $17.85 - $19.95 per hour</li>
<li>MN range: $20.50- $23.00 per hour</li>
<li>Benefits: Royal is proud to take care of our team members and their families! In addition to our comprehensive medical, dental, and vision insurance plans, Royal offers a 5% 401k employer match, paid family and sick leave, vacation and sick time accruals, childcare reimbursement, tuition and student loan debt assistance, pet insurance, and much more!</li>
</ul>
What's Needed For This Position: 
<ul>
<li>High School Diploma or Equivalent</li>
<li>Must be bondable</li>
<li>Occasional travel required within Royal’s geographic footprint</li>
<li>Working knowledge of financial services and basic accounting principles; ability to produce accurate, high-quality data entry and documentation.</li>
<li>Strong written and verbal communication abilities, interviewing and listening skills, and a strong customer service mindset.</li>
<li>Exceptional organizational skills with the ability to prioritize tasks, meet deadlines, and work efficiently under multiple deadlines and changing priorities.</li>
<li>Adept at analytical and critical thinking, resolving recurring problems, and making decisions related to complex daily work.</li>
<li>Ability to multitask, manage interruptions, function in high-volume settings, work independently with minimal supervision, and collaborate within a team.</li>
</ul>
We’d Love To See: 
<ul>
<li>Experience working for a financial or Home Loan Department</li>
</ul>
Work Schedule: 
<ul>
<li>Full-Time, working approximately 40 hours per week.</li>
<li>Hours and shifts vary between 8:30am - 5:00pm Monday through Friday, with additional hours as needed.</li>
<li>This position is part of Royal's workplace flexibility program and has the ability to be hybrid after approximately 2-3 months of training and proficiency in the position.</li>
<li>When not working remote, the office location is flexible at either the Corporate Office in Eau Claire, WI, or at a Royal Minnesota office based on office availability and candidate preference.</li>
<li>This position requires residency within Royal’s office footprint</li>
</ul>
Training: 
<ul>
<li>Prior to starting a normal work schedule, new Royal team members must attend Foundation Training at our Corporate Center in Eau Claire, WI from 9:00am - 4:30pm on Monday and Tuesday during their first week of employment. Out-of-town learners will be reimbursed costs related to travel and lodging.</li>
<li>Foundation Training covers fundamental information about Royal’s culture and core values which sets the stage for team members to be successful within our organization.</li>
</ul>
Ready to make a positive impact? APPLY NOW if you are ready to take on this exciting challenge and become a part of the Royal Credit Union family!
 
We will be communicating with you by email and/or text on the status of your application. Please monitor your email inbox and junk folder for status updates and additional instructions.
 
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, protected veteran status or status as an individual with disability.

Mortgage Processing Assistant

Sidney Federal Credit Union

<div>Key Responsibilities
<ul><li> Works with borrowers, tax authorities and agents to gather any necessary tax and/or insurance bills, update Core with premiums to be paid and handles the disbursement of those funds as needed to satisfy our escrow obligations.
</li></ul><ul><li> Prepares and processes documentation for mortgage and home equity applications. This includes preparation of any necessary General Ledger entries, fee processing or other necessary transactions.
</li></ul><ul><li> Reviews and evaluates loan documentation to ensure all necessary forms are in the file.
</li></ul><ul><li> Order services that are needed for a real estate file. This includes, but not limited to value determinations, flood determinations, initial and final employment verifications.
</li></ul><ul><li> Contacts borrowers to inform them of the status of their real estate transactions throughout the process. Handles inquiries from CU staff, phone calls, emails, etc.
</li></ul><ul><li> Completes escrow analysis in a timely manner and accurately. This includes, but not limited to updated Core data, mailing out the statements and answering questions about it.
</li></ul><ul><li> Funds real estate loans after verifying accuracy of documentation. Follow up with any corrections as needed.
</li></ul><ul><li> Prepares and reconciles bills to include, but not limited to, AMC, Title Bills, etc.</li></ul>
<ul><li> Prepare discharge paperwork. Sends documents to be recorded with the county via mail/ electronic means to include discharges and new mortgages.
</li></ul><ul><li> Assembles and organizes documents in loan file, including acceptance or denials.</li></ul>
<ul><li> Keeps informed of current trends in mortgage lending and market factors affecting mortgage lending.</li></ul>
<ul><li> Performs all duties of the Mortgage Loan Originator position as needed. This includes interviewing prospective loan applicants and offering the best product for their needs.
</li></ul><ul><li> Performs other job-related duties as assigned.</li></ul>
Required Qualifications
<ul><li> One year to five years of similar or related experience.</li></ul>
<ul><li> A high school education or GED.</li></ul>
<ul><li> Courtesy, tact, and diplomacy are essential.</li></ul>
<ul><li> Above average aptitude for figures and ability to pay close attention to detail.</li></ul>
<ul><li> Above average communication skills, both written and verbal.</li></ul>
<ul><li> Ability to work well under pressure.</li></ul>
<ul><li> A professional appearance and demeanor.</li></ul>
<ul><li> Ability to handle confidential information according to company policies and banking regulations.</li></ul>
<ul><li> Time management skills and ability to prioritize.</li></ul> 


SFCU is an equal opportunity employer. It is the policy of SFCU to prohibit discrimination and harassment of any type and to afford equal employment opportunities to employees and applicants without regard to race, color, religion, creed, gender, marital status, sexual orientation, national origin, or citizenship, age, genetic predisposition or carrier status, gender identity or expression, disability, military or veteran status, sexual or reproductive health decisions, traits historically associated with race and/or any other status or characteristic protected by law.
Here at SFCU we define our culture as one of GROWTH. Growing our member, growing our employee, and growing our organization. This position is a great opportunity to join our innovative and growing SFCU team! The primary purpose of this position is to handle the servicing and processing of our real estate loans. As needed, act as a backup to the Mortgage Loan Originator to provide guidance, assistance and take applications for real estate loans. In all aspects, completes tasks in a compliant manner and ensures the highest level of member service is being maintained. Serves as the applicant's point of contact throughout the real estate transaction and aids that applicant as they navigate the home loan lending process.

This position requires the employee to register as a Mortgage Loan Originator (MLO) with the Nationwide Mortgage Licensing System &amp; Registry and obtain a unique identifier number prior to performing any function that would meet the definition of MLO activities.</div>

Mortgage Loan Processor - Syracuse

Primis Bank

<div>
 Job Details
 
 
 
 Description
 
 
 
 
 Position Summary:
 
 The Mortgage Processor is responsible for evaluating, authorizing approval or denial of applications for people or businesses. The Mortgage Processor will act as the liaison between potential clients and our growing financial institution by researching credit records, determining client needs and recommending the best loan products for the loan package.
 
 
 
 Essential Functions
 
 
 
 <ul>
 <li>
 Interview applicants, research applicant credit status and current financial position to evaluate their eligibility for a mortgage loan.
 </li>
 <li>
 Identify and recommend products that meets the customer&rsquo;s needs and the originations leading guidelines.
 </li>
 <li>
 Conclude on all applicable financial and non-financial criteria and development loan repayment plans.
 </li>
 <li>
 Collect and prepare all necessary documentation for the loan package. Check documents for proper vesting, legal descriptions, closing dates and signatures.
 </li>
 <li>
 Finalize loan contracts and keep clients informed in rules and obligations.
 </li>
 <li>
 Completes all required disclosure/verifications during the mortgage application and underwriting process.
 </li>
 <li>
 Regular, reliable, and predictable attendance.
 
 
 </li>
 </ul>
 
 Marginal Functions
 
 
 
 <ul>
 <li>
 Comply with industry-related regulations, requirements, and state/federal laws as applicable to the job duties of this position.
 </li>
 <li>
 Remain up to speed regarding lending and other financial services.
 </li>
 <li>
 Submit files to the designated Underwriter.
 </li>
 <li>
 Follow-up with clients to verify important information.
 </li>
 <li>
 Keep abreast of industry regulations and changes and recommend procedural changes to management.
 </li>
 <li>
 Submit files to the designated Underwriter.
 </li>
 <li>
 Follow-up with clients to verify critical information.
 </li>
 <li>
 Maintain compliance with and adhere to all state and federal regulations and Bank policies and procedures, including, but not limited to Bank Secrecy Act, SAR, CTR, FACT ACT, Community Reinvestment Act, EEO, and fair employment practices.
 </li>
 <li>
 All other duties as assigned
 
 
 </li>
 </ul>
 
 Minimum Educational &amp; Experience Requirements
 
 
 
 <ul>
 <li>
 High school diploma or equivalent required
 </li>
 <li>
 Bachelor&rsquo;s degree in business, banking, or finance preferred.
 </li>
 <li>
 Required to possess all applicable licenses
 </li>
 <li>
 A minimum of 5 years&rsquo; experience as a Mortgage Processor or similar role
 
 
 </li>
 </ul>
 
 Minimum Skill Requirements
 
 
 
 <ul>
 <li>
 In-depth knowledge of closing procedures, loan processes, and documentation.
 </li>
 <li>
 High level of understanding of current regulatory requirements affecting mortgage loans
 </li>
 <li>
 Professional and effective verbal and written communications
 </li>
 <li>
 High degree of detail orientation
 </li>
 <li>
 Strong organizational skills
 </li>
 <li>
 Ability to work independently with minimal supervision
 </li>
 <li>
 Proficient with MS Office
 
 
 </li>
 </ul>
 
 Physical Demands
 
 
 
 In terms of an 8-hour workday, &ldquo;occasional&rdquo; equals 1% to 33%, &ldquo;frequent&rdquo; equals 34% to 66% and &ldquo;continuous&rdquo; equals 67% to 100%. However, some duties are performed monthly, annually or sporadically throughout the year and are essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions of the position, if the accommodation does not impose an undue hardship that would require significant difficulty or expense.
 
 
 <ul>
 <li>
 Continuous stationary position, particularly, but not limited to, at a desktop computer
 </li>
 <li>
 Continuous repetitive use of hands/arms; particularly concerning to typing, writing, phone &amp; computer use
 </li>
 <li>
 Continuous communication: verbal and written, in-person, phone and electronic
 
 
 </li>
 </ul>
 
 Work Environment
 
 
 
 <ul>
 <li>
 Office environment; remote and hybrid flexibility if determined by management
 </li>
 </ul>
</div>

Mortgage Processor

Summit Federal Credit Union

<div>Status: Full-Time/Non-Exempt
Reports to: Director, Real Estate Lending
Location: Rochester, Corporate Office
Compensation: $32.00-$35.00 per hour
Schedule: Monday-Friday, 8:30AM-5pm
Hours: 37.5 hours per week<div> 
Position Overview 
 
The Mortgage Underwriter is responsible for rendering credit decisions on mortgage and home equity loans in accordance with credit union policies and procedures and with secondary market guidelines. The Mortgage Underwriter also interacts with vendors, attorneys, members and realtors to ensure a quick and efficient approval and closing process. 
 
Essential Functions 
<ul><li>Underwrite mortgages and home equity loans in accordance with applicable policies and procedures; issue commitments for such loans and clear loans for closing.</li></ul> 
<ul><li>Cross sell credit union products, including non-real estate products. Participation in employee incentive program is required. Must meet or exceed sales goals established by management.</li></ul> 
<ul><li>Monitor the status of mortgages and home equities in process. Follow-up with members, member's attorneys, appraisers, etc. in an effort to expedite the processing of applications.</li></ul> 
<ul><li>Evaluate loan applications to determine eligibility, acceptability, and compliance with federal and state regulations, secondary market guideline and credit union requirements.</li></ul> 
<ul><li>Examine property appraisals for compliance with federal and state regulations, secondary market guidelines and credit union requirements.</li></ul> 
<ul><li>Superior analytical, organizational and problem solving skills.</li></ul> 
<ul><li>Ability to work independently, analyze data, take and recommend appropriate actions with minimal supervision.</li></ul> 
<ul><li>Coordinate with credit union real estate attorneys, PMI companies, investors and other vendors, when necessary, to facilitate mortgage approvals and closing.</li></ul> 
<ul><li>Approve modification requests, subordination agreements, PMI removal requests and release of liability agreements when requested by members.</li></ul> 
<ul><li>Prepare home equity commitments and home equity loans for closing.</li></ul> 
<ul><li>Support mortgage department staff with member walk-in's and telephone contact.</li></ul> 
<ul><li>Assist management with other various duties, as assigned.</li></ul> 

Other Responsibilities 
<ul><li>Participate in special assignments and projects as requested by the manager.</li></ul> 
<ul><li>Note: The above information on this job has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.</li></ul> 

Qualifications 
Knowledge &amp; Experience: Applicants must possess the following qualifications or an equivalent combination of education and experience: 
<ul><li>Education: Associates degree or equivalent combination of education and experience.</li><li>Experience:</li></ul>
o A minimum of 5 years&rsquo; experience at a senior level in mortgage processing, underwriting and closing of mortgage loans. 
o A minimum of 5 years&rsquo; experience underwriting mortgage loans for secondary market investors. 
 
 Skills 
<ul><li>Ability to effectively communicate and interact with internal and external contacts including members, processors, loan originators, managers, staff, realtors, vendors and other clients.</li></ul> 

Other Skills 
<ul><li>Ability to work with basic mathematical concepts such as percentages, ratios and fractions.</li><li>Ability to analyze complex data and determine.</li><li>Ability to define problems, collect data and draw conclusions.</li><li>Demonstrated ability to handle large volumes of work effectively and to work within prescribed deadlines.</li><li>Must be a licensed New York State notary public or be willing to take the necessary steps to obtain the notary public license within six months of hire.</li><li>Assist Training Department or other staff with mortgage or home equity education.</li><li>Government underwriting experience preferred.</li></ul> 

Working Environment 
<ul><li>Must be able to sit or stand for extended periods of time in an office.</li><li>Must be available to work overtime when warranted.</li></ul> 

Licensure Requirements 
<ul><li>In compliance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act) and the statute&rsquo;s regulations, applicants must be eligible to register as a Mortgage Loan Originator (MLO). Candidates being considered will be subject to a credit check and fingerprinting.</li></ul> 

Employment Expectation 
Perform all responsibilities in a manner that serves The Summit&rsquo;s Mission &ldquo;We&rsquo;re here to improve our members&rsquo; lives&rdquo; and upholds the credit union&rsquo;s values of Respect, High Standards, Inspire, Integrity, and Care. 
 
Safe Work Performance Expectations 
We expect our employees to follow all objectives for safe work performance and be responsible for their own actions and conduct. Our workers also play a significant role in the success or failure of our program. 
 
EQUAL OPPORTUNITY EMPLOYER: The Summit Federal Credit Union is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, sexual orientation, gender identity, age, protected veteran status, or status as a qualified individual with disability.</div></div>

Mortgage Underwriter

Xoto Proptech Real Estate LLC.

Credit Analyst &ndash; Mortgage TeamDepartment: Mortgage Advisory / FinanceLocation: Dubai, Business BayCompany: Xoto Proptech Real Estate LLC.About Xoto:Xoto Proptech Real Estate LLC is a modern, technology-driven real estate advisory firm based in Dubai that focuses on helping clients make smarter property investment decisions. The company offers end-to-end real estate solutions including property buying, selling, leasing, and mortgage advisory, ensuring a seamless experience for investors, homeowners, and businesses.Job OverviewWe are seeking a detail-oriented Credit Analyst to join our Mortgage Team. The candidate will be responsible for evaluating clients&rsquo; financial profiles, assessing creditworthiness, and supporting mortgage application processes with banks and financial institutions. The role requires strong analytical skills, knowledge of mortgage lending criteria, and the ability to work closely with clients, banks, and internal teams to ensure smooth loan approvals.Key Responsibilities<ul><li>Review and analyze clients&rsquo; financial documents including salary certificates, bank statements, credit reports, and liabilities.</li><li>Assess the creditworthiness and repayment capacity of mortgage applicants.</li><li>Prepare and submit mortgage applications to partner banks and financial institutions.</li><li>Ensure all documentation complies with bank policies and regulatory requirements.</li><li>Coordinate with banks, relationship managers, and clients throughout the mortgage approval process.</li><li>Provide recommendations on suitable mortgage products based on the client&rsquo;s financial profile.</li><li>Track mortgage applications and follow up with banks for approvals and updates.</li><li>Maintain accurate records of all applications and client financial data.</li><li>Assist the sales team by providing financial feasibility assessments for potential buyers.</li><li>Stay updated with mortgage regulations, bank policies, interest rates, and lending criteria.</li></ul>Requirements<ul><li>Bachelor&rsquo;s degree in Finance, Accounting, Business Administration, or related field.</li><li>2&ndash;4 years of experience in mortgage processing, credit analysis, or banking.</li><li>Knowledge of UAE mortgage regulations and bank lending policies is preferred.</li><li>Strong understanding of financial statements and credit risk assessment.</li><li>Proficiency in Microsoft Excel and financial analysis tools.</li></ul>Key Skills<ul><li>Credit risk analysis</li><li>Mortgage processing</li><li>Financial assessment</li><li>Attention to detail</li><li>Strong communication and coordination skills</li><li>Problem-solving and analytical thinking</li></ul>Preferred Experience<ul><li>Experience working with UAE banks or mortgage advisory firms.</li><li>Familiarity with UAE Central Bank mortgage regulations.</li><li>Experience coordinating mortgage approvals for real estate transactions.</li></ul>pls send resume to biz@xoto.ae with subject as Credit AnalystJob Type: Full-timePay: AED3,000.00 - AED4,000.00 per monthJob Types: Full-time, PermanentWork Location: In personWhy Join XOTO<ul><li>Be part of a category-defining PropTech platform</li><li>Opportunity to build and scale mortgage operations from the ground up</li><li>High ownership role with direct impact on business growth</li><li>Work at the intersection of real estate, finance, and technology</li></ul>Job Types: Full-time, PermanentPay: AED2,500.00 - AED4,000.00 per monthWork Location: In person

Credit Analyst -Mortgage Operations

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