Job Opportunities

INCLUSIVENESS STATEMENT:

HomeSight is an equal-opportunity employer with a very diverse staff. We seek to recruit, retain, and advance people of diverse backgrounds. We are committed to fostering and supporting a workplace culture inclusive of people regardless of race, ethnicity, national origin, gender, sexual orientation, socio-economic status, marital status, age, physical abilities, political affiliation, religious beliefs or any other non-merit fact.

HOMESIGHT EMPLOYEE BENEFITS:

HomeSight provides a comprehensive, competitive benefits package to our employees. Health, dental, vision, long -term disability, and life Insurance are provided at no cost to employees and family coverage is offered at affordable premium rates. Employees can set up a Flexible Spending Account to save pre-tax dollars for medical expenses and dependent care. HomeSight also offers a $500 Employee Wellness reimbursement benefit each year for wellness and enrichment activities outside of work. Employees can save for retirement through our 403(b) plan and HomeSight will match employee contributions up to 3% of their salary after one year.

HomeSight believes in employees taking time away from work and we offer 25 days of paid time off per year, including 13 paid holidays, 10 accrued vacation days, and 2 personal days. Employees will accrue 10 days of paid sick leave per year. HomeSight also offers a hybrid work environment for all employees regardless of their position and an unlimited ORCA transportation pass for work or personal use.

Mortgage Loan Originator

POSITION SUMMARY

We are seeking a Mortgage Loan Originator with excellent customer service skills to work with customers underserved by mainstream lenders to join our lending team and grow our mortgage lending business.

ESSENTIAL DUTIES & RESPONSIBILITIES:

Develops relationships with realtors, brokers, builders, and developers to originate acceptable and well-documented residential mortgages.
Participates in various business development activities.
Contacts potential or existing customers to develop new business or retain existing business.
Interviews applicants to collect information concerning their financial needs, objectives and status. Obtains and analyses pertinent financial and credit data.
Obtains all pertinent applicant generated information needed to ensure the prompt and efficient processing and funding of all loans.
Independently structure loan deals for potential customers, including downpayment assistance and grant programs, to ensure the customer is in the best loan program.
Maintains consistent communication flows throughout loan process, with all involved parties to ensure timely appraisals, credit decisions, funding and resolve issues and questions in a timely manner.
Maintains thorough understanding and familiarity with program/product policies and procedures and continually provides accurate and updated information to customers and sources of business, including HomeSight purchase assistance, conventional, and FHA loans programs.
Monitors new business to ensure conformity with investor standards.

REQUIREMENTS:

High School diploma or equivalent
Loan Originator license through NMLS or commitment to obtain license within first 90 days
General understanding of federal and state lending regulatory and compliance requirements
Ability to learn new programs and products
Effective oral and written communication skills
Highly organized with the ability to problem solve and effectively prioritize workload
Working knowledge of Microsoft Office programs

PREFERRED:

Preferred experience with FHA, Fannie Mae and Freddie Mac mortgage products and underwriting guidelines, WSHFC (Washington State Housing Finance Commission) product lines preferred
Experience with Encompass and running Automated Underwriting System (AUS).
Working knowledge of Salesforce
Preferred fluency in Spanish

Department: Homeownership Center

Reports to: Lending Operations Manager

Classification: Full-time, Non-exempt, Tier II, Hybrid

Salary: $66,950 base salary plus incentives

Quality Assurance Analyst

POSITION SUMMARY

We are seeking a Quality Assurance Analyst to support the overall credit risk management for the HomeSight lending portfolio. They work in tandem with the Credit Risk Manager to analyze and assess the creditworthiness of loan applicants, develop and implement credit risk policies and procedures, create controls based on Key Performance Indicators (KPI) and Key Risk Indicators (KRI), monitor loan portfolios, and identify potential risks. They will understand their business model and risk framework, identify and evaluate credit risk concerns in negotiated terms of business and loan/portfolio performance.

ESSENTIAL DUTIES & RESPONSIBILITIES:

Works in tandem with Credit Risk Manager and acts as junior underwriter of client credit submissions ensuring completeness, errors and inconsistencies to determine income, eligibility, and collateral to ensure HomeSight’s risk is minimized.
Works closely with marketing and business relations team to ensure smooth referral handoff.
Stays current with underwriting and compliance updates for all internal and external loan programs including, but not limited to, FNMA/Freddie Mac programs, state bond, FHA and HomeSight purchase assist programs.
In collaboration with the HOC Director and Credit Risk Manager, assists in the development of written lending procedures, monitors workflow and assists with training staff on regulatory and compliance requirements.
Performs pre-submittal audits to ensure files follow state and federal regulatory guidelines.
Develops and implements policies and procedures for the identification, measurement, and management of credit risk.
Performs credit analysis and risk assessment on production pipeline to decide on the approval or rejection of loans.
Documents and escalates quality assurance issues as they arise and works with Credit Risk Manager to refine operations process.
Works closely with other departments, including Loan Servicing to understand and mitigate risks.
Maintains compliance with all regulatory requirements related to credit risk alongside Credit Risk Manager.
Keeps the HOC Director and Credit Risk Manager informed of lending exceptions and internal audit findings.
Monitors data input into loan operating system to ensure accuracy of information. Responsible for archiving of client files.
Other tasks as specified by Credit Risk Manager and HOC Director
Works with a strong sense of urgency and responsiveness
Passionate about delivering excellence in customer service
Demonstrated patience and professionalism when interacting with both internal and external customers

REQUIREMENTS:

High school diploma or equivalent.
2 years’ experience in lending or loan servicing functions in a mortgage company, bank or similar institution.
Documentation specialist experience.
Loan Originator license through NMLS or commitment to obtain license within the first 90 days.
Knowledge of federal and state lending regulatory and compliance requirements.
Experience filing Suspicious Activities Reports.
Effective oral and written communication skills.
Highly organized with the ability to problem solve and prioritize workload.
Proficiency with data entry, PDF software programs, Microsoft Word, and Excel required.
Basic math skills.
Excellent written, verbal, and interpersonal communication skills.
Desire to be part of a team environment and go the extra mile when needed.

PREFERRED:

Experience using Encompass
Experience using Salesforce

Department: Homeownership Center

Reports to: Credit Risk Manager

Classification: Full-time, Non-exempt, Tier I, Hybrid

Salary: $60,000 – $69,000 annually