About OneTrust

If you are looking for an organization that has established an outstanding reputation for quality products and services and where you are an important member of a team effort then CalCon Mutual Mortgage dba OneTrust Home Loans may be for you. The success of the company depends upon the dedication of our employees. We look for employees who will find satisfaction and take pride in their work. Our employees are an important member of a team effort and the success of the company depends upon their dedication.

OneTrust Home Loans listens to our clients' needs and ideas to anticipate their home financing goals and dreams. We're mortgage educators, providing detailed information and sound advice on mortgage options and industry trends. We're home financing strategists, applying our years of experience and diversity of loan products to present solid solutions that help clients reach their goals. We focus our energies on a transparent and open communication loan process to close loans quickly. Service is everything!

We value integrity, transparency, innovation and greatness.

Position Summary

Oversee the processing of residential mortgage loans, including new construction and portfolio loans, ensuring accuracy, compliance, and timely closings. Acting as a liaison between borrowers, loan officers, and underwriters while supporting process improvements.

Essential Duties and Responsibilities

• Review and process mortgage loan files from application through closing, including new construction and portfolio loan transactions.
• Perform welcome calls with borrowers within department timeframes.
• Verify borrower documentation for accuracy, completeness, and compliance.
• Meet daily performance metrics as defined by management.
• Ensure all loans meet regulatory, investor, portfolio and company requirements.
• Work directly with borrowers, mortgage loan originators, builders, underwriting and vendors to satisfy outstanding loan conditions.
• Identify and address potential red flags within loan files, including construction specific risk and non-traditional documentation for portfolio loans.
• Deliver clean, complete and accurate files to both Underwriting and Closing Departments.
• Maintain up to date knowledge of loan products, regulatory changes, construction lending practices, and investor/portfolio guidelines.
• Attend and complete regulatory and compliance training, as required.
• Other duties as assigned.

The above functions are intended to describe the general nature and level of work performed by individuals assigned to this job. This is not designed to contain or be interpreted as a comprehensive list of all duties, responsibilities and qualifications required of employees assigned to this job.

Education and Experience

• 5+ years' previous loan processing experience with strong understanding of conventional, FHA, VA, and USDA, construction and portfolio loan guidelines.
• Demonstrate experience processing new construction loans.
• Experience working with portfolio/non-QM loan products and flexible underwriting guidelines.
• Proven track record of managing a high-volume loan pipeline with accuracy and efficiency.
• Knowledge of underwriting terminology.
• Maintain current knowledge of lending guidelines, investor programs, construction lending requirements, and industry changes.

Knowledge, Skills and Abilities

• Demonstrated computer skills in word processing, spreadsheet and electronic mail software.
• Strong communication and interpersonal skills, with the ability to work effectively with builders, borrowers, and cross functional teams.
• High level of professional integrity and customer service skills.
• Maintains a positive, helpful, constructive attitude and work relationship with co-workers and supervisors.
• Strong time management and organizational skills in a dynamic, constantly changing environment.
• High attention to detail with strong focus on quality and compliance.
• Encompass experience preferred.

OneTrust Home Loans is an Equal Opportunity Employer

CALIFORNIA JOB APPLICANT PRIVACY NOTICE REGARDING THE COLLECTION OF PERSONAL INFORMATION

This Job Applicant Notice is designed to meet obligations under the California Privacy Act ("CPRA"), as amended by the California Consumer Privacy Act ("CCPA"), regarding how CalCon Mutual Mortgage, LLC collects and processes personal information during the application and recruitment process. This Job Application Notice solely applies to applicants of CalCon Mutual Mortgage, LLC who reside in the State of California.

In the event of a conflict between any other CalCon Mutual Mortgage, LLC policy, statement, or notice and this Job Applicant Notice, this Job Applicant Notice will prevail as to California job applicants. Unless stated otherwise, CalCon Mutual Mortgage, LLC may collect personal information and use it for certain business purposes. Under the CPRA, "consumers" means California residents, including job applicants, employees, or contractors of a business. CalCon Mutual Mortgage, LLC will only process your personal information in accordance with the Company's Privacy Notice, unless otherwise required by applicable law. You can submit a request to hr@onetrusthomeloans.com regarding the Company's Privacy policy to know about the categories of data being collected, the purposes for which the data will be used and your rights to opt out.