Account Manager

American Heritage Lending, LLC; United States; Hybrid; USD 70,000 - 110,000; Full time

Benefits offered by this job

Medical benefits

Vision benefits

401(k) matching

Paid time off

Paid holidays

Job summary

American Heritage Lending, LLC in Irvine, CA is seeking a Wholesale Account Manager to serve as the primary liaison with broker partners for loans in process. You will manage a pipeline of 50-70 active loans, gather required documentation, and monitor timelines to ensure timely closings.

The ideal candidate has 5+ years in mortgage processing or account management, strong communication, and the ability to thrive in a fast-paced environment.

Qualifications

• Bachelor's Degree preferred; 5+ years as Processor/Account Manager required; 5+ years in Mortgage industry; strong data analysis; decision-making from available information; ability to work in a fast-paced environment; attention to detail and communication.

Responsibilities

• Maintain knowledge of policies, guidelines, investors, and mortgage insurers.
• Update loan application in origination software and applications.
• Verify data and determine documentation needs; ensure underwriting/compliance with guidelines.
• Identify changes in loan and provide disclosures to borrowers promptly.
• Calculate income, review assets/liabilities, and verify disclosures.
• Complete final evaluation and submit eligible files with conditions.
• Monitor rate lock and communicate discrepancies to Account Executive.
• Order appraisals, title, surveys; follow up with outside sources.
• Maintain accurate pipeline for projections, closings, and compliance.
• Update Account Executive and Brokers on loan status.

Skills

Communication

Fast-paced

Detail-oriented

Teamwork

Education

Bachelor's degree (preferred)

Tools

Encompass LO

MS Office Suite

Job description

American Heritage Lending, LLC located in Irvine CA is looking for a Wholesale Account Manager.

Established in 2008, the company was founded to be a company set apart from an already impacted market. Licensed in multiple states across the US, the premise of our company evolved into the pinnacle for our success - creating a caring experience for the families we service across the nation.

Position Overview:

The Account Manager is responsible for being the primary point of contact with broker partners for loans in process, proactively identifying key events and timelines, while gathering required loan documentation. The Account Manager will typically manage a pipeline of 50-70 active loans.

The ideal candidate has exceptional communication skills, a high level of motivation, thrives in a fast-paced environment, is adaptable to change, and is extremely driven.

Essential Duties & Responsibilities include:

• Maintains knowledge of all policies and modifications to the guidelines and standards of the company, federal housing programs, investors, and private mortgage insurers.
• Maintains and updates loan application information within loan origination software and other applications.
• Verifies the data collected, analyzes, and decides whether it meets guidelines or if other documentation is needed; documents communication through the conversation log; ensures loan application is in compliance with underwriting, investor, RESPA, and HMDA guidelines.
• Identifies Changes in Loan to ensure appropriate disclosures are provided to the Borrower in a timely manner.
• Calculates income, reviews assets and liabilities.
• Reviews all disclosures for completeness and compliance.
• Completes final evaluation and analysis of completed application packages and submits eligible files specifying any applicable conditions.
• Monitors rate lock for data integrity and expiration dates; communicates discrepancies to the Account Executive.
• As applicable, orders appraisals, title, survey, verifications, and any other items required for loan approval; conducts regular follow-ups with outside sources regarding outstanding documents.
• Maintains accurate pipeline to ensure proper projections, closings, and regulatory compliance with Company, Federal, and State standards.
• Updates Account Executive, Brokers and Management on loan status.
• Maintains communication with Account Executive and Broker throughout the loan process, assisting them with any questions and notifying them of any additional requirements.
• Maintains a professional image and adheres to standards consistent with company policies and procedures.

Experience & Minimum Qualifications (Skills, Knowledge & Abilities):

• Bachelor's Degree, Preferred
• 5+ years of experience as a Processor/Account Manager required
• 5+ Demonstrated experience in or knowledge of the Mortgage industry required
• Demonstrated experience analyzing and interpreting data
• Demonstrated experience using available information to make sound business decisions
• Demonstrated experience working in a fast paced and changing environment
• Demonstrated experience with attention to detail, written and oral communication, multi-tasking, and working in a team atmosphere adhering to tight deadlines
• Demonstrated experience with MS Office software products
• Encompass Loan Origination Software: 2 years (Preferred)

Essential Mental & Physical Requirements:

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

• Frequently required to sit, stand, kneel, stoop, or squat
• Use hands or fingers to handle or feel objects, tools, or controls
• Reach with hands and arms
• Talk or hear
• Specific vision ability includes close vision, distance vision, color vision, depth perception and the ability to adjust focus
• Occasionally lift and/or move up to 25 pounds
• Ability to analyze situations logically to identify causes and draw solid conclusions
• Ability to anticipate the consequences of a situation
• Ability to modify one’s own behavior to meet expectations of others
• Ability to sustain one’s own emotions from interfering with responding effectively to internal and external customer’s needs
• Displays honesty and trustworthiness; has a sense of personal accountability; maintains a moral conviction to do the right thing

Physical Demands:

The physical demands are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; climb stairs; balance; stoop, kneel, crouch or crawl; talk or hear; taste or smell. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

This job operates in an office setting and largely sedentary, requiring the routine use of a computer and other standard office equipment. The ability to lift or move up to 20 pounds, bend, reach, and perform manual tasks may also be required. Remote work is an optional setting. Work environment characteristics are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is exposed to weather condition prevalent at the time. Business travel may provide for varying degrees of change in the work environment. The noise level in work environment is usually moderate.

Job Classification:

• Non-Exempt

Location:

• Remote
• Medical
• Vision
• Matching 401(k)
• Paid Time Off
• Paid Holidays

Why American Heritage Lending:

• We are a high-growth Company that doubled our staff in 2022
• Wide Product Options - Bridge, Fix and Flip, FHA, VA, Conventional, Non-QM, DCSR, Hard Money Loans and more
• We are not impacted by the volatility of the interest rate

This Company describes its culture as:

Family-Accountability-Integrity-Teamwork-Have fun along the way

Start your career today with American Heritage Lending!