Technical Due Diligence Consultant
Carbon DirectFull Time
Junior (1 to 2 years)
The ideal candidate will have 3-5 years of mortgage underwriting and quality control experience in origination or due diligence, with a strong understanding of condition clearing processes and their impact on loan grades. A basic understanding of credit rating agency requirements, knowledge of USPAP standards and supplemental valuation products, and experience with loan servicer pay histories are necessary. The candidate must also possess developing leadership skills, effectiveness as a team player, the ability to prioritize job duties, strong professionalism and positivity, excellent oral and written communication skills, the ability to develop rapport and establish credibility, excellent listening skills, good judgment, strong interpersonal skills, problem-solving and decision-making ability, the capacity to produce quality work, strategic thinking, strong analytical and organizational skills, excellent attention to detail, and the ability to multitask and meet deadlines.
The Diligence Quality Control II will be responsible for the quality control examination of loan reviews completed by Loan Review Analysts, providing real-time feedback and determining corrective actions for errors. They will ensure regulatory compliance for reviewed loans, escalate error trends to management, and develop a deep understanding of specific client guidelines. This role involves handling escalated client conditions with minimal guidance, assisting with loan review system testing and enhancement, and developing subject matter expertise to become a go-to resource for loan review QC topics. Additionally, the position requires assisting with problem-solving, issue resolution, and providing guidance on underwriting and compliance questions related to TRID, Reg X, and TILA. Maintaining confidentiality, adhering to internal controls, and responding professionally to customer needs are also key responsibilities.
Flexible home equity lending solutions
Selina Finance offers flexible lending solutions for homeowners in the UK, focusing on home equity lending. Their main products include a Home Equity Line of Credit (HELOC), which allows borrowers to access funds against their property equity and only pay interest on the amount used, and a Homeowner Loan, which provides a fixed sum upfront. Unlike other lenders, Selina Finance's HELOC offers unique flexibility in borrowing amounts over the first five years. The company's goal is to help homeowners finance large purchases by leveraging the equity in their homes at competitive interest rates.