Deal Desk

Champions Funding LLC; Gilbert (AZ); On-site; USD 65,000 - 90,000; Full time

Job summary

Champions Funding LLC is seeking a mortgage operations professional in Gilbert, AZ to evaluate loan scenarios, restructure loans, and review high-cost loans for compliance. The role requires coordinating with underwriting, sales, closing, and operations to resolve issues and ensure timely funding.

The ideal candidate has 3–5 years in mortgage lending/processing, strong knowledge of Non-QM products, and excellent communication and analytical skills to manage multiple requests in a fast-paced

Qualifications

• 3–5 years in mortgage lending, loan processing, underwriting, closing, or related mortgage operations.
• Sales experience preferred with relationship-building skills.
• Strong understanding of mortgage loan structures and Non-QM products.

Responsibilities

• Evaluate loan scenarios and identify opportunities to restructure loans to meet eligibility requirements.
• Coordinate loan restructures by reviewing borrower qualifications, loan terms, and documentation.
• Conduct high-cost loan reviews to identify potential compliance concerns and ensure regulatory requirements are met.
• Review and follow up on loan cancellation requests with relevant teams.
• Collaborate with underwriting, sales, closing, and operations to resolve loan issues and facilitate funding.

Skills

Mortgage lending knowledge

Loan processing

Underwriting

Analytical thinking

Interdepartmental collaboration

Education

Tools

Encompass LOS

Job description

Description

• Evaluate loan scenarios and identify opportunities to restructure loans to meet eligibility requirements and improve approval potential.
• Coordinate loan restructures by reviewing borrower qualifications, loan terms, and documentation to identify viable solutions.
• Conduct high-cost loan reviews to identify potential compliance concerns and ensure applicable regulatory requirements are met.
• Review and follow up on loan cancellation requests, coordinating with relevant teams to determine next steps and ensure timely resolution.
• Collaborate with underwriting, sales, closing, and operations teams to resolve loan issues and facilitate smooth processing and funding.
• Communicate loan structure recommendations, eligibility considerations, and potential solutions to internal stakeholders.
• Maintain accurate documentation of loan restructures, high-cost reviews, and cancellation requests.
• Monitor outstanding requests and follow up with appropriate departments to ensure timely responses and resolution.
• Maintain a strong understanding of Champions Funding's proprietary Non-QM credit policies, loan programs, and applicable regulatory requirements.
• Identify recurring issues and recommend process improvements to enhance operational efficiency and loan quality.
• Support the sales and operations teams in resolving complex loan scenarios and minimizing disruptions to the loan pipeline.

Requirements

• Required: 3-5 years of experience in mortgage lending, loan processing, underwriting, closing, or a related mortgage operations role.
• Sales experience preferred, with the ability to build relationships, communicate effectively, and identify solutions that support business objectives.
• Strong understanding of mortgage loan structures, Non-QM products, and loan eligibility requirements.
• Experience evaluating loan scenarios, coordinating loan restructures, and resolving complex loan issues preferred.
• Knowledge of high-cost mortgage reviews and applicable mortgage compliance requirements preferred.
• Experience with mortgage loan origination systems, preferably Encompass LOS.
• Excellent written and verbal communication skills with the ability to collaborate across multiple departments.
• Strong analytical, organizational, and problem-solving skills with exceptional attention to detail.
• Ability to manage multiple requests, prioritize competing deadlines, and follow through on outstanding items.
• Ability to work independently while contributing effectively to a fast-paced, team-oriented environment.