As a part of TIAAs Financial Solutions business, TIAA Bank, a division of TIAA, FSB, provides full-service, nationwide banking and lending services to consumer, commercial and institutional clients through a variety of channels, including online, its Florida-based financial centers and at other business offices throughout the country.
This position is primarily responsible for the processing of mortgage loans, including timely accurate system updates and communication with all parties, along with validating AUS findings, and clearing conditions using their Certified Credit Authority (CCA). The position also provides assistance to Loan Originators (LO) in maintaining customer relationships.
Position eligibility requires that incumbent complete the CCA program and be granted credit authority from the Credit department. It is managements expectation that incumbents in this position will utilize their CCA whenever possible to underwrite loan files. When possible, the Certified Credit Processors pipeline will consist of loans that are within their CCA lending authority.
Review information obtained from loan originators for accuracy and completeness
Obtain additional documentation needed from all sources
Obtain underwriter loan decisions
Obtain approval and closing conditions
Ability to make rational risk based decisions with regards to underwriting and processing determinations
Verify appraisal, credit, and title have been ordered for all files within pipeline
Follow up with all third-party vendors (appraisals, credit, and title) to ensure delivery of required reports
Collect, verify, and analyze all documentation required for submitting files to Underwriting
Responsible for communicating underwriting conditions to both the borrower(s) and the LO
Process multiple files within pipeline, all at different stages of the approval process, and take responsibility from start to finish of all files within pipeline
Held to a higher level of accountability due to higher level of responsibility and industry knowledge
Able to aid in training of processing staff
Complete underwriting decision of assigned files as required
Ensure that corporate operating standards are met for underwriting and compliance
Full understanding of all areas of processing and internal policies to include validating AUS findings using their CCA
Knowledge, Skills, and Abilities
General understanding of all the areas of the mortgage industry. Must have knowledge of Conventional, FHA/VA, Full Doc, Purchase, and Refinance financing.
Strong working understanding of closing and title procedures
Must have working understanding of all Fannie Mae and Freddie Mac guidelines
Must have full working knowledge of all conventional processing forms
Skilled at reviewing tax returns of self-employed, commissioned, and alternative income borrowers
Excellent appraisal analysis
Good communication skills, both written and verbal
Strong organizational skills and an attention to detail
Strong leadership and ability to prioritize
Basic computer skills
Excellent multi-tasking skills
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