Mgr Home Loan Processing

A career at The Auto Club Group (ACG) can be satisfying, exciting and rewarding. By aligning your professional development with our business objectives, ACG can help you attain your career goals — and make a difference. Get started by choosing the career that’s right for you.

Dearborn, MI

The Auto Club Group

AAA was founded over 100 years ago for the purpose of lobbying for driver and passenger rights, fair laws and safer vehicles — all to better promote the love of the open road and the adventure of driving. Since then, AAA has grown to over 50 million members strong, while providing valuable membership services such as roadside assistance. Additionally, AAA has broadened its horizons to include all types of travel-related services, as well as offer a variety of insurance and financial products and services. Today’s AAA is a national federation comprised of more than 50 individual clubs throughout the United States and Canada. Whether you’re traveling around the world or to the corner grocery store, planning a honeymoon or weekend road trip, learning to drive or in need of a battery boost, the best way to begin your journey is with AAA.

keywords: about acg,compensation,quality assurance,compliance,supervisory,other duties,benefits,education & experience,proficiency,knowledge,communication,skills

Full Time

Competitive Compensation and Benefits Package

Overview: <p>The Auto Club Group (ACG) provides membership, travel, insurance, and financial services offerings to approximately 9 million members and customers across 11 states and 2 U.S. territories through the AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second-largest AAA club in North America.<br /><br /></p> <p>The Auto Club Group offers competitive compensation and benefits packages including a base salary with performance-based incentives; medical/dental/vision insurance, pension, 401(k), generous time off, a complimentary AAA Membership, and much more!<br /><br />The Auto Club Group is seeking a prospective&nbsp;<strong>Mgr, Home Loan Processing&nbsp;</strong>who<strong>&nbsp;</strong>will&nbsp;manage a team of Home Loan Processors, responsible for processing various types of residential real estate secured loans and managing workload, answering questions as needed. Perform second-level review of files that require an exception.</p>
Responsibilities: <br /> <ul> <li>Maintain Production and Quality Performance metrics for the team.&nbsp;</li> <li>Provide input into operational initiatives, benchmarks, and metrics to meet department objectives.&nbsp;</li> <li>Serve as a subject matter expert in residential processing for the Business unit.&nbsp;</li> <li>Monitor and codify Fannie Mae, Freddie Mac, FHA, VA, and specific investor processing requirements and/or overlays, portfolio requirements, and industry trends related to loan processing.</li> <li>Work with Systems Administration to maintain the processing within the Loan Origination System.</li> <li>Monitor vendors' performance as required.&nbsp;</li> <li>Ensure integrity of all state and federal regulations affecting the processing and issuance of mortgage credit to borrowers to ensure guideline and regulatory compliance.</li> <li>Review and sign off on HMDA action dates regarding loan withdrawals and other items as needed to ensure all home loans originated meet HUMDA requirements and are of investment quality.&nbsp;</li> <li>Provide input for development and revision of department procedures related to processing residential real estate loans.</li> <li>Monitor FEMA declared disasters to mitigate associated risk.&nbsp;</li> <li>Partner with Sales and Underwriting Manager(s) to optimize process flow and meet Business unit goals.&nbsp;&nbsp;&nbsp;&nbsp;</li> </ul> <p>&nbsp;<br /><strong>Supervisory Responsibilities:<u><br /></u></strong></p> <ul> <li>Select, hire, train, development, counsel, and discipline assigned staff in accordance with corporate Human Resource policies and procedures.&nbsp;&nbsp;</li> <li>Manage a team that provides administrative and operational support within the department.</li> </ul> <p align="left">&nbsp;</p> <p align="left">&nbsp;</p> <p align="left">With our powerful brand and the mentoring we offer, you will find your position as&nbsp;<strong>Mgr, Home Loan Processing&nbsp;</strong>can lead to a rewarding career at our growing organization.<br /><br /></p> <p align="left"><strong>How you will benefit:<br /></strong></p> <ul> <li>Our Auto Club Group&nbsp;<strong>Mgr, Home Loan Processing&nbsp;</strong>earn a competitive salary with a potential of earning bonuses</li> </ul> <ul> <li>Excellent and comprehensive benefits packages are just another reason to work for the Auto Club Group. Benefits include: <ul> <li>401k Match</li> <li>Medical</li> <li>Dental</li> <li>Vision</li> <li>PTO</li> <li>Paid Holidays</li> <li>Tuition Reimbursement</li> </ul> </li> </ul>
Requirements: <p align="left"><strong>Education:<span style="text-decoration: underline;"><br /></span></strong></p> <ul> <li>High School Diploma or equivalent</li> <li>Bachelor&rsquo;s degree from an accredited college or university preferred</li> </ul> <p>&nbsp;</p> <p><strong>Experience:<u><br /></u></strong></p> <ul> <li>Seven years of experience in the Mortgage Industry</li> <li>Five years of experience in residential mortgage Processing of mortgages sold in the secondary market</li> <li>Three years in managing a team</li> <li>Ability to manage and organize a large pipeline of mortgage loan production</li> <li>PC software applications&nbsp; including Word and Excel</li> <li>Experience working with Automated Underwriting Systems</li> <li>Prefer prior experience managing a team of processors in the Mortgage Industry preferred</li> <li>Processing Conventional (conforming and jumbo), FHA, VA loans preferred</li> <li>Processing in an Automated Underwriting system environment preferred</li> <li>Working in an Encompass based lender environment preferred</li> </ul> <p>&nbsp;</p> <p><strong>Knowledge of:<u><br /></u></strong></p> <ul> <li>Mortgage and home equity loan/line products, services, pricing, tax, and regulatory processing requirements</li> <li>FCRA, ECOA, and other federal/state regulations regarding the extension of credit</li> <li>Processing requirements of Fannie Mae, Freddie Mac, FHA, VA, and applicable investors</li> <li>Knowledge of mortgage compliance issues including RESPA dates and requirements&nbsp;</li> </ul> <p>&nbsp;</p> <p><strong>Ability to:<u><br /></u></strong></p> <ul> <li>Assist with the expansion of the current business plan allowing for the origination and sale of first mortgage loans in the secondary market to multiple investors and the GSEs</li> <li>Assist senior staff in building a growing residential lending business</li> <li>Display sound negotiation skills and good business judgment when working with the applicant(s) and outside lien holders to clear processing and title issues</li> <li>Identify and provide input for real estate loan processing procedure improvements</li> <li>Provide direction to and/or assist in the development and training of sales and processing staff when warranted</li> <li>Effectively communicate with Senior Management, internal and external customers, and external clients and vendors.</li> <li>Successful<strong>&nbsp;Mgr, Home Loan Processing&nbsp;</strong>will possess effective communication skills, ambition, motivation, and drive!</li> </ul> <br /> <p align="left"><strong>What it&rsquo;s like to work for us:</strong></p> <p align="left">We serve our members by making their satisfaction our highest priority. We do what&rsquo;s right by sustaining an open, honest and ethical work environment. We lead in everything we do by offering best-in-class products, benefits, and services. And we value our employees by seeking the best talent, rewarding high performance, and holding ourselves accountable.</p> <p align="left">All in all, we create an inclusive and welcoming environment of diverse backgrounds, experiences, and viewpoints, realizing our differences make us stronger.</p> <p><strong><br />Who we are:</strong></p> <p align="left">The Auto Club Group helps AAA Members enjoy life&rsquo;s journey with peace of mind by providing innovative solutions, advocacy, and membership benefits wherever and whenever they need them. We currently conduct business in 14 states in the upper Midwest and the Southeast.</p> <p align="left"><strong>The Auto Club Group has established four long-term enterprise goals:</strong></p> <ul> <li>Long-term, sustainable, profitable growth</li> <li>AAA Membership growth and renewal</li> <li>Operational excellence</li> <li>Become the &ldquo;flagship club&rdquo; of the AAA Federation</li> </ul> <br />Important Note: The above statements describe the principle and essential functions, but not all functions that may be inherent in the job. This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodations will be made for otherwise qualified applicants, as needed, to enable them to fulfil these requirements.<br /><br />The Auto Club Group, and all of its affiliated companies, is an equal opportunity/affirmative action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability or protected veteran status.