CIVIC Financial Services is a private money lender, specializing in the financing of non-owner occupied residential investment properties. CIVIC has funded over $4.0 Billion in loans since its inception, providing Mortgage Brokers and Real Estate Investors with a fast, cost effective funding source for their real estate investment needs.
CIVIC is committed to creating a workplace where our people thrive, which translates into a culture of inclusion, recognition, and success for our teammates and clients alike. Since 2016, CIVIC has been recognized by Best Workplaces and Fortune as a Great Place to Work, and CIVICs employee engagement ranks among the top 5% of companies nationally.
Whether you are an entrepreneur, an innovator, a game changer, a creative, a problem-solver, a thinker, or an operator we have all kinds. CIVIC is the place for smart, ambitious, dedicated people who work hard and play nice.
Yes, our business is in real estate investing… but our greatest investment is in you!
The Mortgage Closing Auditor will review comprehensive loan files, data collection and document verification to comply with regulatory requirements under the Home Mortgage Disclosure Act (HMDA). They will assist in the monitoring of other loans and state regulatory with company policies.
What you’ll do:
- Maintain knowledge of the CIVIC Quality Control policies and procedures to make sound judgements on reviewed package, including how an individual is to perform them and the frequency with which the tasks are performed with demonstrated knowledge date validation.
- Coordinate objectives with Mortgage Closing Auditor Manager and/or department managers to maximize product reliability and minimize costs by determining root cause with corrective action.
- Perform component quality control review of mortgage loan documentation and complete loan origination system data fields when validating and balancing the final Settlement statement transaction fees.
- Input accurate data field requirements under HMDA regulations.
- Review designated monetary transactions for accuracy, proper authorization, validating computations, such as interest adjustments, prepayment calculations, etc.
- Assess servicing activities, such as hazard insurance accuracy, demands and collateral releases, for compliance with established company policies and procedures.
- Document accurate audit findings that contain useful information in the right amount of detail to allow management to elicit an appropriate response, including timely corrective actions.
- Maintain audit exception report documentation in an organized and accessible manner as evidence of review and correction.
- Responsible for detecting fraud and reporting trends to help mitigate credit risk through the loan closing or life cycle.
- Assists Manager in compiling data and maintain finding reports to identify trends and risk.
- Ensures a high level of unified communication to effectively support, engage and connect with sales, operations, management and other departments within the organization.
- Communicate and strive to accomplish a specific goal. Supports development of peers and self in training; identifies and resolves problems and/or conflicts. Work parallel and hold the responsibility of direct accomplishment of goals and/or assigned projects. Achieves team standards for quantity and quality service.
What you’ll need:
- Associates Degree required; or a combination of education and experience.
- 1+ years of related experience in Mortgage Loan Processing, Funding, Escrow or Quality Control Auditor.
- Working knowledge of Microsoft Office (Outlook, Excel, Word, Power Point, etc.), imaging system and internet
- Experience using Loan Operating System Encompass is a plus.
- Detailed-oriented
- Dependable, self-starter with a sense of urgency
- Make recommendations and/or solutions to management in order to improve its programs and operations
- Excellent verbal and written communication skills
- Strong initiative and ownership of responsibilities
- Strong interpersonal skills with a team player attitude
- Possess strong organizational and multi-tasking skills with the ability to prioritize work
- Flexible with the ability to perform in high paced environment
- Manage and complete all daily tasks and assigned projects on time
- Responsible to evaluate assigned work load and communicate to management if assistance is needed
- Possess the ability to apply critical thinking and problem solving skills
- Makes an effort to act in advance either to prepare for a situation or prevent it
Whats in it for you?
We have a strong focus on going above and beyond when it comes to caring for our team members and our communities. In addition to traditional benefits like health insurance, casual Fridays, paid vacation, holidays and sick leave, we are proud to offer these unique and enriching work perks:
- Celebrations: When we say we work hard and play hard, we mean it! We like to celebrate often via onsite, offsite, and virtual happy hours, themed parties, parking lot BBQ’s, milestone ceremonies, birthday gift cards, and Workout Tuesdays (to name a few).
- Investments: As we are in the lending space, we believe we should consistently and frequently invest in our CIVIC team. We support our teammates in paying off student debts and invest in your education with a tuition reimbursement program.
- Flexible Work Environment: Work-life balance is important. We work with you to determine the best work style for you and CIVIC.
- Office Life: We like to make sure that when you are in the office, you are well fed and can access the resources you need. Our kitchens are stocked with snacks and beverages, and we have created an office spaces dedicated to collaboration, focus time, creativity while ensuring team members safety.
- Education: Every other Tuesday, we encourage our team to take 900 Seconds of Genius” to focus on a passion project or topic that helps them grow. We offer an online curriculum of courses through our own CIVIC University. We also created programs to support you and your manager in career development discussions.
- #CIVICCares Initiative: From beach cleanups, food and clothing drives, building homes for Habitat for Humanity, to volunteer hours, CIVIC provides several opportunities throughout the year for our team to step outside the office, bond, and come together to give back to our local communities.
CIVIC is an Equal Opportunity Employer and welcomes applications from all suitably qualified persons regardless of their race, sex, disability, religion/belief, sexual orientation, or age.