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The goal of the Urban League of Arkansas is that every Arkansan has access to jobs with a living wage and good benefits, by helping people find jobs, get training, and pursue rewarding careers.

Today’s job market has become increasingly more difficult to navigate. As Arkansans with higher education credentials and skilled trades are struggling keep up the pace with evolving technology and shifts in demanded skills, economically vulnerable populations are feeling more pressure than ever to make ends meet. We believe that one’s employment should meet more than their basic needs, rather it should allow them to access a wage that allows them to live a full life, and provide benefits that protect them, and their families, from life’s many challenges.

ULSA Job Opportunity Advertising Bulletin

Arvest Bank, Mortgage Processor 3

Contact: Becky Vandiver
405-437-6951 (Preference) or email at rvandiver@arvest.com
or apply directly on our Careers Page: https://www.arvest.com/careers/apply&a=n 

Description 

SUMMARY: Under the limited direction of the assigned manager, the Mortgage Processor 3 processes single family 1-4 unit residential mortgage loan applications for approval. The Mortgage Processor 3 analyzes and validates the verified documentation within the loan file to ensure the loan file meets the requirements for the applicable loan program: Conventional, FHA, VA, Rural Development(RD), Bond/HUD 184 loans, bond or jumbo. The incumbent will review property appraisal reports and make recommendations to underwriting and will process the more complex loan files utilizing their experience and knowledge. The Mortgage Processor 3 will handle a high volume of data and must complete all duties with a high degree of accuracy and complete confidentiality.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

  1. Work in connection with the lender to discuss and review new loan files as they are assigned. Review the loan file to make certain it meets the appropriate criteria of the program: conventional, FHA, VA, Rural Development (RD), Bond/HUD 184, bond or jumbo.
  2. Communicate with customers regarding loan files. Serve as a resource to the customer once the application is received in mortgage operations through loan closing.
  3. Review and process tax return calculations on the more complex loan files. Analyze the credit, income and asset documentation in the file. Use required income calculator worksheet to document W2 wage earners, social security, Schedule C, E, F and/or K1 income on 1040 tax return, as applicable.
  4. Ensure integrity of source and data documented in loan file follows loan program requirements and that each file complies with real estate regulatory requirements making additional requirements, as necessary.
  5. Review real estate residential property appraisals for conventional loan files as it pertains to the appraisal checklist. Make any necessary comments regarding the appraisal in the checklist comment section for the underwriter.
  6. Update LOS (Loan Origination System) and validate all data entry is accurate. Submit file through the AUS (automated underwriter system) if applicable, to have accurate findings for loan file. Follow AUS requirements and/or manual guidelines as it pertains to investor requirements as found in AllRegs and/or Selling Guides for Fannie, Freddie, FHA and/or VA websites as it pertains to loan program.
  7. Provide lender with any Preliminary Condition Requirements as required for the Underwriter to make a credit decision on loan file.
  8. Issue NOI (notice of incompleteness) letter when Underwriting does not receive the necessary items in order to make a credit decision.Close file for incompleteness if requested items are not received from borrower as directed on the NOI.
  9. Submit completed loan application files to underwriting for approval.
  10. Communicate with loan production associates in regards to credit decisions and with any updates or guideline requirement questions. Update the LOS (loan origination system) with condition requirements and any information that differs from original submission.
  11. Run the Soft Credit Pull report and address any additional debt not shown on original credit report. Run Early Check and final AUS, if applicable, to loan program and move file back to underwriter for final approval.
  12. Remain cognizant to the requirements of Fannie Mae, Freddie Mac through AllRegs and/or Selling Guides for both agencies and FHA, VA & RD guidelines in efforts to minimize any potential loss to Arvest and repurchase requests from investors.
  13. Understand and comply with bank policy, laws, regulations, and the bank’s BSA/AML Program, as applicable to your job duties. This includes, but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity.

TEAM ACCOUNTABILITIES

  • Support and uphold the Arvest Mission Statement
  • Maintain a high level of cooperation and rapport with all associates in order to ensure accurate and efficient operations and service.
  • Formulate and communicate new ideas and suggestions that will improve profitability and efficiency for the company’s overall operation.
  • Foster and promote the proper company image at all times.

Requirements 

QUALIFICATION REQUIREMENTS: 

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

  • High school diploma or general education degree (GED) required.
  • 2 years of mortgage processing experience, 1 of which must include extensive and detailed contact with customers, realtors and title companies required.
  • 1 year of experience reviewing government loan (FHA) files required.
  • Working knowledge of all real estate regulations including, but not limited to: RESPA, TRID, Truth in Lending Act, Fair Credit Reporting Act, Fair Lending, Reg B (ECOA), Reg C (HMDA) and Flood Act, Interagency Appraisal and Evaluation Guidelines required.
  • AA/AS degree preferred.
  • Arvest processing experience preferred.

OTHER SKILLS AND ABILITIES:

  • Must be able to arrive at work on time, work on site and have regular work attendance
  • Must be able to work cooperatively with other co-workers regardless of personality, presence or communication style
  • Must be able to provide cordial customer service regardless of customer personality, presence or communication style
  • Must be able to perform several tasks at once
  • Must be able to work in a stressful atmosphere
  • Must be able to rotate job tasks
  • Must be able to occasionally work overtime
  • Must be able to greet others cordially
  • Must be able to coordinate multiple and changing priorities
  • Must be able to verbally communicate with all other associates
  • Must be able to operate telephone, scanner, copier and FAX machines
  • Must be able to move from department, division, or bank to department, division or bank to attend meetings
  • Must be able to operate personal computer keyboard in order to create reports, schedules and other appropriate documentation

PHYSICAL DEMANDS: 

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

While performing the duties of this job, the associate is regularly required to stand, walk, sit, and to talk and hear. The associate must occasionally reach with hands and arms; stoop, kneel, or crouch.

The associate may occasionally be required to lift or move up to 25 pounds.

Specific vision abilities required by this job include close, distance and color vision and the ability to adjust focus.

WORK ENVIRONMENT: 

The work environment characteristics described here are representative of those an associate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

Mitchell Williams Law Firm, IT Director

Interested

Contact: Melissa Trelfa | Director of Human Resources
T 501.688.8838 or email at mtrelfa@mwlaw.com 
or apply directly on Careers Page: https://www.mitchellwilliamslaw.com/Upload-Resume 

Description 

SUMMARY:

  • The IT Director reports to the Chief Operating Officer and is responsible for setting objectives and
    strategy for the IT department.
  • The IT Director is responsible for the confidentiality, integrity, security and availability of all firm
    data and technology including network and server infrastructure, telephony and network
    communications, end-user hardware and software, and end-user and client support. This individual
    supervises a staff of 5 in a firm with 4 office locations, a disaster recovery site, and a computer
    network with 200 users.
  • The IT Director is responsible for the analysis of, recommendation of and implementation of any
    technology to support the firm’s security and business operations including, but not limited to, the
    firm’s local and wide area networks, telephone system, applications, databases and litigation
    support systems.
  • The IT Director is responsible for the analysis of, recommendation of and implementation of any
    cloud technologies to augment the firm’s local and wide area networks.
  • The IT Director is responsible for engineering support of the firm’s infrastructure including
    physical and virtualized servers, storage systems, backup, disaster recovery, WAN
    communications, telephone system, and other technology required to provide 24/7/365 support to
    users and clients.
  • The IT Director is responsible for ensuring compliance with industry standards, best practices,
    laws and regulations that protect firm and client data.
  • The IT Director oversees the hiring, training, cross-training, mentoring and evaluation of the IT
    staff in order to support the firm’s information technology.
  • The IT Director and staff are responsible for the monitoring, maintenance, repair and operation of
    all IT infrastructure and systems.
  • The IT Director maintains positive contact with clients, attorneys and staff and observes
    confidentiality in all firm and client matters.
  • The IT Director has hands-on engineering expertise and participates in the installation,
    troubleshooting and support of all firm systems.
  • The IT Director oversees end user training and support for firm technology including, but not
    limited to, the firm’s local and wide area networks, telephone system, applications, databases and
    litigation support systems

FUNCTIONS AND RESPONSIBILITIES include the following. Performs other duties, responsibilities and special projects as requested

  • Assumes responsibility for the secure operation and maintenance of all information
    technology used in the law office.
  • Responsible for understanding the business operations of the practice departments
    and provides technology and engineering input into the enhancement of client
    services (recommends new technology; researches new trends).
  •  Plans, participates in and oversees the activities of the IT staff and computer
    systems, including engineering and administration of the network hardware
    infrastructure and operating systems and any other computer operating systems
    within the law office (accounting, human resources, etc.).
  • Directs computer support and training efforts to ensure the use of technology to
    meet firm obligations, assists with implementation and training; evaluates results.
  • Oversees the firm’s security awareness program. Selects topics for security training
    based on best practices, laws, regulation, and current cybersecurity threats. Reports
    compliance to Chief Operating Officer.
  • Prepares and maintains detailed documentation of all firm systems sufficient for
    internal or outside engineers to step in to provide support, upgrade services, etc. as
    needed and for reference by the IT Director and IT staff when performing
    maintenance, troubleshooting, upgrades and general support. Establishes and
    maintains secure environment with up to date system password and access policies
    with all documentation of passwords and security roles for safekeeping and backup.
  • Interviews and selects outside vendors, dealers, and manufacturers and maintains
    relationships with firm vendors to ensure prompt and efficient services when
    needed.
  • Manages department staff, holds regular meetings; conducts annual performance
    reviews; consults with Chief Operating Officer regarding performance issues and
    takes appropriate action; delegates appropriately.
  • Manages the hiring process for IT staff, reviews resumes; interviews candidates;
    makes hiring recommendations.
  • Determines department staffing needs, monitors staff workload; recommends
    temporary assistance as necessary and participates in salary budget process.
  • Ensures effective client service through delivery of a quality work product, actively
    solicits staff/attorney feedback regarding projects, services, etc.; responds to
    feedback and makes recommendations as appropriate.
  • Obtains, maintains and applies knowledge of relevant areas, attends seminars; reads
    periodicals; participates in outside organizations, e.g. ILTA.
  • Develops, applies and communicates IT policies to all firm employees as
    applicable.
  • Prepares annual department plans and budgets, monitors projects and budgets and
    ensures goals are achieved as agreed, is prepared at all times to review projects and
    budgets with the Chief Operating Officer.
  • Develops and maintains positive working relationships, treats clients, co-workers
    and visitors with respect, is courteous and helpful in all contacts, maintains
    professionalism under pressure.
  • Communicates effectively, is able to clearly express ideas and opinions, uses
    appropriate, and effective communication methods, deals with firm employees and
    clients openly and honestly, is receptive and attentive to communication and
    feedback from firm employees and clients.
  • Demonstrates teamwork, is receptive to and acts upon input from others, is willing
    and able to compromise as needed, displays willingness to work with all firm
    employees, willingly assists others.
  • Demonstrates initiative, contributes new ideas and is self-motivated.
  • Demonstrates organizational skills and effective use of time, ability to plan, set
    priorities and manage time to ensure work is timely and efficiently completed per
    department plan and budget parameters.
  • Demonstrates flexibility, willing to adjust to changes, able to work with all levels
    of Firm employees.
  • Exhibits dependability, maintains presence in office locations as appropriate.
  • Adheres to strict confidentiality standards, keeps confidential all information
    concerning firm matters and clients.
  • Orders products and processes related invoices, calls vendors as needed; prepares
    purchase orders and obtains approval; verifies receipt of products; checks invoices
    against purchase orders; processes product returns; researches inconsistencies with
    appropriate IT or firm staff; approves and sends approved invoices to Accounting;
    enters appropriate data into inventory databases; maintains related files.
  • Maintains IT asset inventory including hardware, software, and documentation
    libraries; monitors software usage for software license compliance; maintains product serial numbers and access codes; adds new software and manuals to appropriate databases; organizes physical library of software and documentation.
  • Maintains department files and tickler system for annual maintenance agreements.

QUALIFICATION REQUIREMENTS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE:

  • Associates Degree or equivalent work experience required.
  • 4 years’ experience reviewing real estate loan application files and single family 1-4 unit residential property appraisals required.
  • 4 years’ production appraisal review experience required.
  • 4 years’ experience underwriting mortgage real estate loans required.
  • FHA Direct Endorsement (DE) approval required.
  • VA approved Staff Appraisal Reviewer (SAR) under the VA Lender Appraisal Processing Program (LAPP) or HUD 184 designation required.
  • Working knowledge of all real estate regulatory, including, but not limited to: RESPA, TRID, Truth in Lending Act, Fair Credit Reporting Act, Fair Lending, Reg B (ECOA), Reg C (HMDA), Flood Act and Interagency Appraisal and Evaluation Guidelines required.
  • Secondary market mortgage credit application review experience preferred.
  • Secondary market mortgage production appraisal review experience preferred.
  • Underwriting mortgage real estate loans for secondary market experience preferred.
  • Knowledge of appraisal related software preferred.
  • Bachelor’s Degree preferred.

OTHER SKILLS AND ABILITIES:

  • Must be able to arrive at work on time, work on site and have regular work attendance
  • Must be able to work cooperatively with other co-workers regardless of personality, presence or communication style
  • Must be able to provide cordial customer service regardless of customer personality, presence or communication style
  • Must be able to perform several tasks at once
  • Must be able to work in a stressful atmosphere
  • Must be able to rotate job tasks
  • Must be able to occasionally work overtime
  • Must be able to greet others cordially
  • Must be able to coordinate multiple and changing priorities
  • Must be able to verbally communicate with all other associates
  • Must be able to operate telephone, scanner, copier and FAX machines
  • Must be able to move from department, division, or bank to department, division or bank to attend meetings
  • Must be able to operate personal computer key board in order to create reports, schedules and other appropriate documentation

 

Arvest Bank, Mortgage Loan Underwriter 3

Interested
Contact: Becky Vandiver
405-437-6951 (Preference) or email at rvandiver@arvest.com
or apply directly on our Careers Page: https://www.arvest.com/careers/apply&a=n 

Description 

SUMMARY: Under limited direction of the assigned supervisor, The Mortgage Loan Underwriter 3 evaluates and verifies the data contained in loan files to ensure that it will meet the requirements necessary to sell the loan on the secondary mortgage market. The Mortgage Loan Underwriter 3 is authorized to make decisions regarding loans which are outside the standard automated underwriting system (AUS) decision and will also make decisions on appraisals which do not meet standard loan agency and investor guidelines. Additionally, the incumbent must have knowledge of loan programs available to prospective customers and the regulations involving mortgage loans in the secondary market. The Mortgage Loan Underwriter 3 must be able to analyze loan applications to ensure the loan file conforms to the credit and property guidelines of the agencies, all federal and state agencies, private mortgage insurers and the investors. The position requires the ability to analyze individual credit, financial statements including business financials and determine the acceptability of the security. The Mortgage Loan Underwriter 3 will issue the final credit and property decision on loans to be sold into the secondary market.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

  1. Analyze risk and underwrite loan files which do not fit into the standard AUS (automated underwriting system).

     

  2. Review the appraisal report for credibility, valuation accuracy and regulatory and bank policy compliance, ensure that the appraisal contains sufficient information and analysis to support the institutions decision to engage in the transaction.

     

  3. Review and evaluate loan documentation to determine agency, investor and regulatory standard guidelines are met.

     

  4. Issue loan conditions and required documentation to meet agency and regulatory requirements.

     

  5. Rework files as necessary to ensure regulatory compliance.

     

  6. Ensure that each file complies with real estate regulatory requirements (RESPA, TRID, Truth in Lending Act, Fair Credit Reporting Act, Fair Lending, Reg B (ECOA), Reg C (HMDA), Flood Act, etc.) from origination to closing. Make additional requirements as necessary.

     

  7. Review and underwrite adverse action files. Prepare the loan file for second review by Adverse Action team.

     

  8. Assist loan production associates and/or processors with questions about various loan scenarios, documentation and guideline requirements.

     

  9. Maintain knowledge of current agencies, mortgage insurance companies and regulatory guidelines and underwriting practices by attending training classes provided by FNMA, FHA, VA, RD, HUD184, Freddie Mac and Jumbo Investors.

     

  10. Address post-closing issues with Lender Insuring or other government entity, agency and private entity review and Quality Control (QC).

     

  11. Understand and comply with bank policy, laws, regulations, and the bank’s BSA/AML Program, as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity.


TEAM ACCOUNTABILITIES:

  • Support and uphold the Arvest Mission Statement.
  • Uphold the Arvest Code of Ethics and ensure that confidential information is safeguarded.
  • Maintain a high level of cooperation and rapport with all associates in order to ensure accurate and efficient operations and service.
  • Formulate and communicate new ideas and suggestions that will improve profitability and efficiency for the company’s overall operation.
  • Promote professionalism at all times.

Requirements 

QUALIFICATION REQUIREMENTS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE:

  • Associates Degree or equivalent work experience required.
  • 4 years’ experience reviewing real estate loan application files and single family 1-4 unit residential property appraisals required.
  • 4 years’ production appraisal review experience required.
  • 4 years’ experience underwriting mortgage real estate loans required.
  • FHA Direct Endorsement (DE) approval required.
  • VA approved Staff Appraisal Reviewer (SAR) under the VA Lender Appraisal Processing Program (LAPP) or HUD 184 designation required.
  • Working knowledge of all real estate regulatory, including, but not limited to: RESPA, TRID, Truth in Lending Act, Fair Credit Reporting Act, Fair Lending, Reg B (ECOA), Reg C (HMDA), Flood Act and Interagency Appraisal and Evaluation Guidelines required.
  • Secondary market mortgage credit application review experience preferred.
  • Secondary market mortgage production appraisal review experience preferred.
  • Underwriting mortgage real estate loans for secondary market experience preferred.
  • Knowledge of appraisal related software preferred.
  • Bachelor’s Degree preferred.

OTHER SKILLS AND ABILITIES:

  • Must be able to arrive at work on time, work on site and have regular work attendance
  • Must be able to work cooperatively with other co-workers regardless of personality, presence or communication style
  • Must be able to provide cordial customer service regardless of customer personality, presence or communication style
  • Must be able to perform several tasks at once
  • Must be able to work in a stressful atmosphere
  • Must be able to rotate job tasks
  • Must be able to occasionally work overtime
  • Must be able to greet others cordially
  • Must be able to coordinate multiple and changing priorities
  • Must be able to verbally communicate with all other associates
  • Must be able to operate telephone, scanner, copier and FAX machines
  • Must be able to move from department, division, or bank to department, division or bank to attend meetings
  • Must be able to operate personal computer key board in order to create reports, schedules and other appropriate documentation

PHYSICAL DEMANDS:

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

While performing the duties of this job, the associate is regularly required to stand, walk, sit, and to talk and hear. The associate must occasionally reach with hands and arms; stoop, kneel, or crouch.

The associate may occasionally be required to lift or move up to 25 pounds.

Specific vision abilities required by this job include close, distance and color vision and the ability to adjust focus.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an associate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.

The noise level in the work environment is usually moderate.

Arvest Bank, Senior Underwriter

Interested?
Contact: Becky Vandiver
405-437-6951 (Preference) or email at rvandiver@arvest.com
or apply directly on our Careers Page: https://www.arvest.com/careers/apply&a=n

Description 

SUMMARY: Under limited direction of the assigned supervisor, The Mortgage Loan Underwriter 3 is a senior level position that evaluates and verifies the data contained in loan files to ensure that it will meet the requirements necessary to sell the loan on the secondary mortgage market. The Mortgage Loan Underwriter 3 is authorized to make decisions regarding loans which are outside the standard automated underwriting system (AUS) decision and will also make decisions on appraisals which do not meet standard loan agency and investor guidelines. Additionally, the incumbent must have knowledge of loan programs available to prospective customers and the regulations involving mortgage loans in the secondary market. The Mortgage Loan Underwriter 3 must be able to analyze loan applications to ensure the loan file conforms to the credit and property guidelines of the agencies, all federal and state agencies, private mortgage insurers and the investors. The position requires the ability to analyze individual credit, financial statements including business financials and determine the acceptability of the security. The Mortgage Loan Underwriter 3 will issue the final credit and property decision on loans to be sold into the secondary market.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

Analyze risk and underwrite loan files which do not fit into the standard AUS (automated underwriting system).
Review the appraisal report for credibility, valuation accuracy and regulatory and bank policy compliance, ensure that the appraisal contains sufficient information and analysis to support the institutions decision to engage in the transaction.
Review and evaluate loan documentation to determine agency, investor and regulatory standard guidelines are met.
Issue loan conditions and required documentation to meet agency and regulatory requirements.
Rework files as necessary to ensure regulatory compliance.
Ensure that each file complies with real estate regulatory requirements (RESPA, TRID, Truth in Lending Act, Fair Credit Reporting Act, Fair Lending, Reg B (ECOA), Reg C (HMDA), Flood Act, etc.) from origination to closing. Make additional requirements as necessary.
Review and underwrite adverse action files. Prepare the loan file for second review by Adverse Action team.
Assist loan production associates and/or processors with questions about various loan scenarios, documentation and guideline requirements.
Maintain knowledge of current agencies, mortgage insurance companies and regulatory guidelines and underwriting practices by attending training classes provided by FNMA, FHA, VA, RD, HUD184, Freddie Mac and Jumbo Investors.
Address post-closing issues with Lender Insuring or other government entity, agency and private entity review and Quality Control (QC).
Understand and comply with bank policy, laws, regulations, and the bank’s BSA/AML Program, as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity.
TEAM ACCOUNTABILITIES:

Support and uphold the Arvest Mission Statement.

Uphold the Arvest Code of Ethics and ensure that confidential information is safeguarded.

Maintain a high level of cooperation and rapport with all associates in order to ensure accurate and efficient operations and service.

Formulate and communicate new ideas and suggestions that will improve profitability and efficiency for the company’s overall operation.

Promote professionalism at all times.

POSITION REQUIREMENTS
QUALIFICATION REQUIREMENTS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE:

Associates Degree or equivalent work experience required.
4 years of experience underwriting secondary market real estate loan credit applications required.
4 years of experience underwriting single family 1-4 unit residential property appraisals for secondary market loans required.
4 years of experience analyzing personal and business tax returns to calculate income for self-employed borrowers for secondary market loans required.
FHA Direct Endorsement (DE) approval required.
VA approved Staff Appraisal Reviewer (SAR) under the VA Lender Appraisal Processing Program (LAPP) or HUD 184 designation required.
Working knowledge of all real estate regulatory, including, but not limited to: RESPA, TRID, Truth in Lending Act, Fair Credit Reporting Act, Fair Lending, Reg B (ECOA), Reg C (HMDA), Flood Act and Interagency Appraisal and Evaluation Guidelines required.
Knowledge of appraisal review software preferred (Collateral Underwriter and Loan Collateral Advisor).
Bachelor’s Degree preferred.
OTHER SKILLS AND ABILITIES:

Must be able to arrive at work on time, work on site and have regular work attendance
Must be able to work cooperatively with other co-workers regardless of personality, presence or communication style
Must be able to provide cordial customer service regardless of customer personality, presence or communication style
Must be able to perform several tasks at once
Must be able to work in a stressful atmosphere
Must be able to rotate job tasks
Must be able to occasionally work overtime
Must be able to greet others cordially
Must be able to coordinate multiple and changing priorities
Must be able to verbally communicate with all other associates
Must be able to operate telephone, scanner, copier and FAX machines
Must be able to move from department, division, or bank to department, division or bank to attend meetings
Must be able to operate personal computer key board in order to create reports, schedules and other appropriate documentation
PHYSICAL DEMANDS:

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

While performing the duties of this job, the associate is regularly required to stand, walk, sit, and to talk and hear. The associate must occasionally reach with hands and arms; stoop, kneel, or crouch.

The associate may occasionally be required to lift or move up to 25 pounds.

Specific vision abilities required by this job include close, distance and color vision and the ability to adjust focus.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an associate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.

The noise level in the work environment is usually moderate.

 

Arvest Bank, Mortgage Servicing Customer Care Representative

Interested?
Contact: Becky Vandiver
405-437-6951 (Preference) or email at rvandiver@arvest.com
or apply directly on our Careers Page: https://www.arvest.com/careers/apply&a=n

SUMMARY: The Mortgage Servicing Customer Care Representative answers a large volume of customer service calls and assist customers with various other requests and/or needs. The incumbent serves as a primary telephone representative and shall remain pleasant and professional at all times, while providing all necessary support services. The Mortgage Servicing Customer Care Representative will remain knowledgeable and informed of mortgage products and services in order to meet the individual needs of the customer.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

  1. Answer internal and external calls and work calls from the message center and respond to customer requests within established timelines in order to maintain service level expectations with regards to: abandonment rate and the calls average-speed-to-answer rate.
  2. Verify caller identity through the authentication procedures set forth by federal and/or state regulations. Provide information and knowledgeable assistance regarding mortgage loans by retrieving customer loan information quickly and efficiently.
  3. Follow escalation procedures to address customer concerns to identify and report possible threats made towards the company and/or other associates.
  4. Accurately track and document all communications with customers to provide a detailed history of contact. Documentation should include all pertinent information from conversation (s) as set forth by the department policies and procedures.
  5. Research items and follow-up with customers in a timely manner. Work with bank associates, prior mortgage companies or other mortgage associates to obtain the necessary information. When applicable, provide written responses to customer inquiries for general documents, research requests, copies of file documents, etc.
  6. Build customer relationships by actively listening and resolving complaints quickly, efficiently and accurately. Explain policies and procedures courteously and patiently.
  7. Remain cognizant of opportunities to further strengthen the customer relationship by identifying a potential need and referring the customer to the appropriate division within the company.
  8. Participate in outbound call campaigns to include: welcome calls, product service awareness, and various other company contact efforts.
  9. Understand and comply with bank policy, laws, regulations, and the bank’s BSA/AML Program, as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity.

TEAM ACCOUNTABILITIES:

  • Support and uphold the Arvest Mission Statement.
  • Uphold the Arvest Code of Ethics and ensure that confidential information is safeguarded.
  • Maintain a high level of cooperation and rapport with all associates in order to ensure accurate and efficient operations and service.
  • Formulate and communicate new ideas and suggestions that will improve profitability and efficiency for the company’s overall operation.
  • Promote professionalism at all times.
POSITION REQUIREMENTS

QUALIFICATION REQUIREMENTS:

To perform this job successfully, an individual must be able to perform duties as assigned satisfactorily. The requirements listed below are representative of the knowledge, skill and / or ability required. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

 

EDUCATION AND / OR EXPERIENCE:

  • High school diploma or general education degree (GED) required.
  • 1 year of customer service experience required.
  • Mortgage servicing experience preferred.

 

OTHER SKILLS AND ABILITIES:

  • Must be able to arrive at work on time, work on site and have regular work attendance
  • Must be able to work cooperatively with other co-workers regardless of personality, presence or communication style
  • Must be able to provide cordial customer service regardless of customer personality, presence or communication style
  • Must be able to perform several tasks at once
  • Must be able to work in a stressful atmosphere
  • Must be able to rotate job tasks
  • Must be able to occasionally work overtime
  • Must be able to greet others cordially
  • Must be able to coordinate multiple and changing priorities
  • Must be able to verbally communicate with all other associates
  • Must be able to operate telephone, scanner, copier and FAX machines
  • Must be able to move from department, division, or bank to department, division or bank to attend meetings
  • Must be able to operate personal computer keyboard in order to create reports, schedules and other appropriate documentation

 

PHYSICAL DEMANDS:

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

While performing the duties of this job, the associate is regularly required to stand, walk, sit, and to talk and hear. The associate must occasionally reach with hands and arms; stoop, kneel, or crouch.

The associate may occasionally be required to lift or move up to 25 pounds.

Specific vision abilities required by this job include close, distance and color vision and the ability to adjust focus.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an associate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

Arvest Bank, Mortgage Loan Underwriter 3

Interested
Contact: Becky Vandiver
405-437-6951 (Preference) or email at rvandiver@arvest.com
or apply directly on our Careers Page: https://www.arvest.com/careers/apply&a=n 

Description 

SUMMARY: Under limited direction of the assigned supervisor, The Mortgage Loan Underwriter 3 evaluates and verifies the data contained in loan files to ensure that it will meet the requirements necessary to sell the loan on the secondary mortgage market. The Mortgage Loan Underwriter 3 is authorized to make decisions regarding loans which are outside the standard automated underwriting system (AUS) decision and will also make decisions on appraisals which do not meet standard loan agency and investor guidelines. Additionally, the incumbent must have knowledge of loan programs available to prospective customers and the regulations involving mortgage loans in the secondary market. The Mortgage Loan Underwriter 3 must be able to analyze loan applications to ensure the loan file conforms to the credit and property guidelines of the agencies, all federal and state agencies, private mortgage insurers and the investors. The position requires the ability to analyze individual credit, financial statements including business financials and determine the acceptability of the security. The Mortgage Loan Underwriter 3 will issue the final credit and property decision on loans to be sold into the secondary market.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

  1. Analyze risk and underwrite loan files which do not fit into the standard AUS (automated underwriting system).

     

  2. Review the appraisal report for credibility, valuation accuracy and regulatory and bank policy compliance, ensure that the appraisal contains sufficient information and analysis to support the institutions decision to engage in the transaction.

     

  3. Review and evaluate loan documentation to determine agency, investor and regulatory standard guidelines are met.

     

  4. Issue loan conditions and required documentation to meet agency and regulatory requirements.

     

  5. Rework files as necessary to ensure regulatory compliance.

     

  6. Ensure that each file complies with real estate regulatory requirements (RESPA, TRID, Truth in Lending Act, Fair Credit Reporting Act, Fair Lending, Reg B (ECOA), Reg C (HMDA), Flood Act, etc.) from origination to closing. Make additional requirements as necessary.

     

  7. Review and underwrite adverse action files. Prepare the loan file for second review by Adverse Action team.

     

  8. Assist loan production associates and/or processors with questions about various loan scenarios, documentation and guideline requirements.

     

  9. Maintain knowledge of current agencies, mortgage insurance companies and regulatory guidelines and underwriting practices by attending training classes provided by FNMA, FHA, VA, RD, HUD184, Freddie Mac and Jumbo Investors.

     

  10. Address post-closing issues with Lender Insuring or other government entity, agency and private entity review and Quality Control (QC).

     

  11. Understand and comply with bank policy, laws, regulations, and the bank’s BSA/AML Program, as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity.


TEAM ACCOUNTABILITIES:

  • Support and uphold the Arvest Mission Statement.
  • Uphold the Arvest Code of Ethics and ensure that confidential information is safeguarded.
  • Maintain a high level of cooperation and rapport with all associates in order to ensure accurate and efficient operations and service.
  • Formulate and communicate new ideas and suggestions that will improve profitability and efficiency for the company’s overall operation.
  • Promote professionalism at all times.

Requirements 

QUALIFICATION REQUIREMENTS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE:

  • Associates Degree or equivalent work experience required.
  • 4 years’ experience reviewing real estate loan application files and single family 1-4 unit residential property appraisals required.
  • 4 years’ production appraisal review experience required.
  • 4 years’ experience underwriting mortgage real estate loans required.
  • FHA Direct Endorsement (DE) approval required.
  • VA approved Staff Appraisal Reviewer (SAR) under the VA Lender Appraisal Processing Program (LAPP) or HUD 184 designation required.
  • Working knowledge of all real estate regulatory, including, but not limited to: RESPA, TRID, Truth in Lending Act, Fair Credit Reporting Act, Fair Lending, Reg B (ECOA), Reg C (HMDA), Flood Act and Interagency Appraisal and Evaluation Guidelines required.
  • Secondary market mortgage credit application review experience preferred.
  • Secondary market mortgage production appraisal review experience preferred.
  • Underwriting mortgage real estate loans for secondary market experience preferred.
  • Knowledge of appraisal related software preferred.
  • Bachelor’s Degree preferred.

OTHER SKILLS AND ABILITIES:

  • Must be able to arrive at work on time, work on site and have regular work attendance
  • Must be able to work cooperatively with other co-workers regardless of personality, presence or communication style
  • Must be able to provide cordial customer service regardless of customer personality, presence or communication style
  • Must be able to perform several tasks at once
  • Must be able to work in a stressful atmosphere
  • Must be able to rotate job tasks
  • Must be able to occasionally work overtime
  • Must be able to greet others cordially
  • Must be able to coordinate multiple and changing priorities
  • Must be able to verbally communicate with all other associates
  • Must be able to operate telephone, scanner, copier and FAX machines
  • Must be able to move from department, division, or bank to department, division or bank to attend meetings
  • Must be able to operate personal computer key board in order to create reports, schedules and other appropriate documentation

PHYSICAL DEMANDS:

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

While performing the duties of this job, the associate is regularly required to stand, walk, sit, and to talk and hear. The associate must occasionally reach with hands and arms; stoop, kneel, or crouch.

The associate may occasionally be required to lift or move up to 25 pounds.

Specific vision abilities required by this job include close, distance and color vision and the ability to adjust focus.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an associate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.

The noise level in the work environment is usually moderate.

Arvest Bank, Mortgage Processor 3

Contact: Becky Vandiver
405-437-6951 (Preference) or email at rvandiver@arvest.com
or apply directly on our Careers Page: https://www.arvest.com/careers/apply&a=n 

Description 

SUMMARY: Under the limited direction of the assigned manager, the Mortgage Processor 3 processes single family 1-4 unit residential mortgage loan applications for approval. The Mortgage Processor 3 analyzes and validates the verified documentation within the loan file to ensure the loan file meets the requirements for the applicable loan program: Conventional, FHA, VA, Rural Development(RD), Bond/HUD 184 loans, bond or jumbo. The incumbent will review property appraisal reports and make recommendations to underwriting and will process the more complex loan files utilizing their experience and knowledge. The Mortgage Processor 3 will handle a high volume of data and must complete all duties with a high degree of accuracy and complete confidentiality.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

  1. Work in connection with the lender to discuss and review new loan files as they are assigned. Review the loan file to make certain it meets the appropriate criteria of the program: conventional, FHA, VA, Rural Development (RD), Bond/HUD 184, bond or jumbo.
  2. Communicate with customers regarding loan files. Serve as a resource to the customer once the application is received in mortgage operations through loan closing.
  3. Review and process tax return calculations on the more complex loan files. Analyze the credit, income and asset documentation in the file. Use required income calculator worksheet to document W2 wage earners, social security, Schedule C, E, F and/or K1 income on 1040 tax return, as applicable.
  4. Ensure integrity of source and data documented in loan file follows loan program requirements and that each file complies with real estate regulatory requirements making additional requirements, as necessary.
  5. Review real estate residential property appraisals for conventional loan files as it pertains to the appraisal checklist. Make any necessary comments regarding the appraisal in the checklist comment section for the underwriter.
  6. Update LOS (Loan Origination System) and validate all data entry is accurate. Submit file through the AUS (automated underwriter system) if applicable, to have accurate findings for loan file. Follow AUS requirements and/or manual guidelines as it pertains to investor requirements as found in AllRegs and/or Selling Guides for Fannie, Freddie, FHA and/or VA websites as it pertains to loan program.
  7. Provide lender with any Preliminary Condition Requirements as required for the Underwriter to make a credit decision on loan file.
  8. Issue NOI (notice of incompleteness) letter when Underwriting does not receive the necessary items in order to make a credit decision.Close file for incompleteness if requested items are not received from borrower as directed on the NOI.
  9. Submit completed loan application files to underwriting for approval.
  10. Communicate with loan production associates in regards to credit decisions and with any updates or guideline requirement questions. Update the LOS (loan origination system) with condition requirements and any information that differs from original submission.
  11. Run the Soft Credit Pull report and address any additional debt not shown on original credit report. Run Early Check and final AUS, if applicable, to loan program and move file back to underwriter for final approval.
  12. Remain cognizant to the requirements of Fannie Mae, Freddie Mac through AllRegs and/or Selling Guides for both agencies and FHA, VA & RD guidelines in efforts to minimize any potential loss to Arvest and repurchase requests from investors.
  13. Understand and comply with bank policy, laws, regulations, and the bank’s BSA/AML Program, as applicable to your job duties. This includes, but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity.

TEAM ACCOUNTABILITIES

  • Support and uphold the Arvest Mission Statement
  • Maintain a high level of cooperation and rapport with all associates in order to ensure accurate and efficient operations and service.
  • Formulate and communicate new ideas and suggestions that will improve profitability and efficiency for the company’s overall operation.
  • Foster and promote the proper company image at all times.

Requirements 

QUALIFICATION REQUIREMENTS: 

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

  • High school diploma or general education degree (GED) required.
  • 2 years of mortgage processing experience, 1 of which must include extensive and detailed contact with customers, realtors and title companies required.
  • 1 year of experience reviewing government loan (FHA) files required.
  • Working knowledge of all real estate regulations including, but not limited to: RESPA, TRID, Truth in Lending Act, Fair Credit Reporting Act, Fair Lending, Reg B (ECOA), Reg C (HMDA) and Flood Act, Interagency Appraisal and Evaluation Guidelines required.
  • AA/AS degree preferred.
  • Arvest processing experience preferred.

OTHER SKILLS AND ABILITIES:

  • Must be able to arrive at work on time, work on site and have regular work attendance
  • Must be able to work cooperatively with other co-workers regardless of personality, presence or communication style
  • Must be able to provide cordial customer service regardless of customer personality, presence or communication style
  • Must be able to perform several tasks at once
  • Must be able to work in a stressful atmosphere
  • Must be able to rotate job tasks
  • Must be able to occasionally work overtime
  • Must be able to greet others cordially
  • Must be able to coordinate multiple and changing priorities
  • Must be able to verbally communicate with all other associates
  • Must be able to operate telephone, scanner, copier and FAX machines
  • Must be able to move from department, division, or bank to department, division or bank to attend meetings
  • Must be able to operate personal computer keyboard in order to create reports, schedules and other appropriate documentation

PHYSICAL DEMANDS: 

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

While performing the duties of this job, the associate is regularly required to stand, walk, sit, and to talk and hear. The associate must occasionally reach with hands and arms; stoop, kneel, or crouch.

The associate may occasionally be required to lift or move up to 25 pounds.

Specific vision abilities required by this job include close, distance and color vision and the ability to adjust focus.

WORK ENVIRONMENT: 

The work environment characteristics described here are representative of those an associate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

Arvest Bank, Mortgage Processing Supervisor

Contact: Becky Vandiver
405-437-6951 (Preference) or email at rvandiver@arvest.com
or apply directly on our Careers Page: https://www.arvest.com/careers/apply&a=n 

 

Description 

 

SUMMARY: Under the direction of the assigned manager, the Mortgage Processing

Supervisor monitors the quality of loans processed and submitted to ensure loans are sellable after closing. The incumbent serves as a resource to both bank lending staff and mortgage processors during the mortgage loan process. The Mortgage Processing Supervisor will oversee the large volume of mail received on a daily basis and ensure it is processed within established timelines.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

Provide effective day to day supervision of associates, including prompt feedback regarding performance. Maintain adequate staffing levels and distribution of workload between associates. Ensure department goals and objectives are met, and all applicable policies and procedures are followed.
Oversee the processing of received mailed items (ex: loan application, paystubs, etc.) in a timely manner. Ensure that data is input and distributed within established timelines.
Monitor the processing pipeline and closing report in order to manage the pipeline volume between processors.
Review the work of the Mtg Processor 1’s to ensure loans will be sellable after closing. Determine when associates have progressed and processed loans no longer require review.
Serve as a source of information and guidance in providing assistance to the Mtg Loan Processing Team Lead and the Mtg Processors with escalated issues and in areas of understanding and clarifying underwriting guidelines, regulatory compliance, and product knowledge.
As directed by the manager, implement procedural changes in loan documentation requirements to meet agency, investor and regulatory standards, when applicable.
Oversee closing dates to be sure that these dates are met by the processing staff.
Monitor and oversee the training of processing associates with continuous on-the-job training and in conjunction with or from Arvest training department and/or third party vendors.
Monitor and stay current on changes in the mortgage loan process and maintain current knowledge of the company’s standards, policies and procedures.
Understand and comply with bank policy, laws, regulations, and the bank’s BSA/AML Program, as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity.

TEAM ACCOUNTABILITIES:

Support and uphold the Arvest Mission Statement.
Uphold the Arvest Code of Ethics and ensure that confidential information is safeguarded.
Maintain a high level of cooperation and rapport with all associates in order to ensure accurate and efficient operations and service.
Formulate and communicate new ideas and suggestions that will improve profitability and efficiency for the company’s overall operation.
Promote professionalism at all times.

SUPERVISORY RESPONSIBILITIES:

Directly supervises (2) or more fulltime equivalents. Carries out supervisory responsibilities in accordance with the organization’s policies and applicable laws. Ensure direct reports have completed required compliance training and are adhering to all internal procedures and controls as it relates to bank policy, laws, regulations and Arvest’s BSA/AML Program. Responsibilities include interviewing, hiring, appraising performance, rewarding, and disciplining associates. The incumbent has the authority and the appropriate influence to make recommendations regarding hiring, firing, advancement, promotion, or any other change of status of other associates within the guidelines of the bank’s procedures and guidelines for such change of status events. The incumbent provides training, planning, assigning, and directing work assignments and schedules; addressing complaints and resolving problems.

POSITION REQUIREMENTS
QUALIFICATION REQUIREMENTS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE:

Associates Degree or equivalent related experience required.
3 years of mortgage processing experience required.
Working knowledge of all real estate regulatory requirements, including, but not limited to: RESPA, Reg Z, Truth in Lending Act, Fair Credit Reporting Act, Fair Lending, Reg B (ECOA), Reg C (HMDA), Flood Act and Interagency Appraisal and Evaluation Guidelines required.
Supervisory experience preferred.
Arvest experience preferred.

OTHER SKILLS AND ABILITIES:

Must be able to arrive at work on time, work on site and have regular work attendance
Must be able to work cooperatively with other co-workers regardless of personality, presence or communication style
Must be able to provide cordial customer service regardless of customer personality, presence or communication style
Must be able to perform several tasks at once
Must be able to work in a stressful atmosphere
Must be able to rotate job tasks
Must be able to greet others cordially
Must be able to coordinate multiple and changing priorities
Must be able to verbally communicate with all other associates
Must be able to operate telephone, scanner, copier and FAX machines
Must be able to occasionally work outside of normal business hours.
Must be able to move from department, division, or bank to department, division, or bank to attend meetings
Must be able to operate personal computer keyboard in order to create reports, schedules and other appropriate documentation

PHYSICAL DEMANDS:

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

While performing the duties of this job, the associate is regularly required to sit, talk, and hear, and use hand to finger, handle or feel objects/ controls.

The incumbent is occasionally required to stand, walk, and reach with hands and arms.

The associate must occasionally lift and/or move up to 25 lbs.

Specific vision abilities required by this job include close vision, color, and the ability to adjust focus.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an associates encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

 

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