Prosperity Home Mortgage, LLC

Role Description Under the general supervision of the Closing Manager, the Closer works to ensure the integrity of the customer experience and loan closing protocols. He/she performs duties related to closing mortgage loan applications and handling mortgage loan closing documentation, with an intense focus on the customer experience. The role’s primary duties are centered around: - Communicating with all stakeholders - Balancing closing figures - Drawing closing packages - Verifying compliance with closing fees and documentation - Meeting closing conditions - Disbursing funds Essential Responsibilities: - Maintain knowledge of all current conventional, USDA, bond, jumbo, FHA, and VA closing procedures issued by the company, investors, and government agencies. - Schedule and prepare loans for closing. - Balance fees and ensure fee compliance. - Ensure accuracy of tax/insurance information and data entry. - Ensure disclosure timing requirements are met. - Close a pipeline of 45 or more active loans. - Clear closing conditions. - Ensure all critical dates within pipeline are met, including but not limited to closing dates and lock expiration dates. - Meet all company Service Level Agreements (SLAs) regarding pipeline management and communication. - Communicate with customers, mortgage consultants, real estate agents, operations employees, title/escrow companies, and insurance agents. - Follow company prescribed approach when communicating with customers. - Order wires and authorize disbursement of funds. - Review documents for completeness and request additional information as required. - Resolve defects/post-close issues. - Ensure compliance with investor/legal guidelines and directives. - Other duties as assigned. Qualifications - 1 or more years residential mortgage closing experience required. - Strong customer service skills required. - High school diploma or equivalent. - Experience using Encompass preferred. - Must possess strong mathematical and judgment skills. - Must be detail-oriented, organized, and able to meet deadlines. - Must comply with industry-related regulations, requirements, and state/federal laws. - Ability to work independently to meet production and quality goals. - Proficient with Microsoft Office suite. Requirements - Extensive telephone usage. - Extensive oral and written communication. - Regular use of computer mouse requires repetitive hand and wrist motion. - Essential functions must be performed during scheduled business hours. - Perform duties, be available and responsive during scheduled business hours. - Accurately enters time worked. - Must request preapproval for overtime hours. - Employees are not allowed to work for any other company during scheduled business hours. - Employees must follow all security protocols and requirements. - Employees must meet or exceed performance expectations and goals outlined by the manager. Location Requirements - Employees must ensure that the environment is work appropriate and does not pose any undue risk. - Employees must secure and protect the confidentiality of all data in his or her possession. - Employees must protect and care for company issued equipment. Notification The responsibilities associated with this position may change from time to time in accordance with the Company’s business needs. The incumbent may be required to perform additional and/or different responsibilities from those set forth above. Equal Employment Opportunity and DEI Prosperity Home Mortgage, LLC is an Equal Opportunity Employer and makes employment decisions without regard to race, color, religion, sex (including pregnancy, gender identity, and sexual orientation), parental status, national origin, age, disability, genetic information (including family medical history), military service, or other non-merit based factors and characteristics protected by applicable federal, state, or local law.

Role Description Under the general supervision of the Closing Manager, the Closer works to ensure the integrity of the customer experience and loan closing protocols. He/she performs duties related to closing mortgage loan applications and handling mortgage loan closing documentation, with an intense focus on the customer experience. The role’s primary duties are centered around: - Communicating with all stakeholders - Balancing closing figures - Drawing closing packages - Verifying compliance with closing fees and documentation - Meeting closing conditions - Disbursing funds Essential Responsibilities: - Maintain knowledge of all current conventional, USDA, bond, jumbo, FHA, and VA closing procedures issued by the company, investors, and government agencies. - Schedule and prepare loans for closing. - Balance fees and ensure fee compliance. - Ensure accuracy of tax/insurance information and data entry. - Ensure disclosure timing requirements are met. - Close a pipeline of 45 or more active loans. - Clear closing conditions. - Ensure all critical dates within pipeline are met, including but not limited to closing dates and lock expiration dates. - Meet all company Service Level Agreements (SLAs) regarding pipeline management and communication. - Communicate with customers, mortgage consultants, real estate agents, operations employees, title/escrow companies, and insurance agents. - Follow company prescribed approach when communicating with customers. - Order wires and authorize disbursement of funds. - Review documents for completeness and request additional information as required. - Resolve defects/post-close issues. - Ensure compliance with investor/legal guidelines and directives. - Other duties as assigned. Qualifications - 1 or more years residential mortgage closing experience required. - Strong customer service skills required. - High school diploma or equivalent. - Experience using Encompass preferred. - Must possess strong mathematical and judgment skills. - Must be detail-oriented, organized, and able to meet deadlines. - Must comply with industry-related regulations, requirements, and state/federal laws. - Ability to work independently to meet production and quality goals. - Proficient with Microsoft Office suite. Requirements - Extensive telephone usage. - Extensive oral and written communication. - Regular use of computer mouse requires repetitive hand and wrist motion. - Essential functions must be performed during scheduled business hours. - Perform duties, be available and responsive during scheduled business hours. - Accurately enters time worked. - Must request preapproval for overtime hours. - Employees are not allowed to work for any other company during scheduled business hours. - Employees must follow all security protocols and requirements. - Employees must meet or exceed performance expectations and goals outlined by the manager. Location Requirements - Employees must ensure that the environment is work appropriate and does not pose any undue risk. - Employees must secure and protect the confidentiality of all data in his or her possession. - Employees must protect and care for company issued equipment. Notification The responsibilities associated with this position may change from time to time in accordance with the Company’s business needs. The incumbent may be required to perform additional and/or different responsibilities from those set forth above. Equal Employment Opportunity and DEI Prosperity Home Mortgage, LLC is an Equal Opportunity Employer and is committed to Diversity, Equity, and Inclusion in the workplace. We prohibit discrimination and harassment of any type based on race, color, religion, age, sex, national origin, disability status, genetic information, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description Under the general supervision of the Processing Manager, the Loan Processor is tasked with completing one or more steps in the loan manufacturing process, which entails performing a variety of duties related to processing mortgage loan applications and mortgage loan documentation. Although individuals in this position generally will not interact directly with borrowers, they must view all internal and external interactions as an opportunity to provide a positive customer experience. - Maintain knowledge of all current conventional, USDA, bond, jumbo, FHA, and VA processing procedures issued by the company, investors, and government agencies. - Perform/order verifications of employment, tax transcripts, and other third-party verifications. - Order credit related documents such as credit supplements. - Obtain FHA/VA case numbers, CAIVRS, fraud reports, and other third-party items. - Communicate effectively on both internal and external interactions. - Organize documentation and perform required data entry to prepare applications for submission to underwriting. - Obtain and review preliminary title commitments and/or escrow instructions and perform related data entry. - Obtain and review hazard, flood, or other required insurances and perform related data entry. - Ensure compliance with investor/legal guidelines and directives. - Other duties as assigned. Qualifications - Processing experience preferred - High school diploma or equivalent required - Strong customer service skills required - Experience using Encompass preferred - Must possess strong mathematical and judgment skills - Must be detail-oriented, organized, and able to meet deadlines - Must comply with industry-related regulations, requirements, and state/federal laws - Ability to work independently to meet production and quality goals - Proficient with Microsoft Office suite Work Environment - Extensive telephone usage. - Extensive oral and written communication required. - Regular use of computer mouse requires repetitive hand and wrist motion. - Essential functions must be performed during regularly scheduled business hours. Equal Opportunity Employer Prosperity Home Mortgage, LLC is an Equal Opportunity Employer and is committed to Diversity, Equity, and Inclusion in the workplace. We prohibit discrimination and harassment of any type based on race, color, religion, age, sex, national origin, disability status, genetic information, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description Under the general supervision of the Underwriting Manager, the Underwriter works to ensure the integrity of the customer experience and underwriting protocols. He/she performs duties related to the accuracy and timeliness of underwriting mortgage loan applications and reviewing mortgage loan documentation, with an intense focus on the customer experience, productivity, and loan quality. - Maintain knowledge of all current Conventional Conforming and Non-Conforming requirements including Non-Agency, Non-QM, and Jumbo procedures issued by the company, investors, and government agencies (as applicable for underwriting level). - Underwrite loans according to company, investor, and agency policies and procedures. - Perform 2+ weighted initial underwrites per day and maintain resubmission SLAs. - Utilize tools provided by the company to maintain SLAs and ensure all critical dates are met, including but not limited to closing dates, contingency dates, and lock expiration dates. - Communicate with sales staff, ops staff, and third parties according to company directives. - Meet or exceed company loan quality standards. - Ensure compliance with investor/legal guidelines and directives. - Other duties as assigned. Qualifications - 5 or more years residential mortgage underwriting experience required. - High school diploma or equivalent. - Management/leadership experience preferred. - Strong customer service skills required. - Experience using Encompass preferred. - Must possess strong mathematical and judgment skills. - Must be detail-oriented, organized, and able to meet deadlines. - Must comply with industry-related regulations, requirements, and state/federal laws. - Ability to work independently. - Proficient with Microsoft Office suite. Requirements - Extensive telephone usage. - Extensive oral and written communication. - Regular use of computer mouse requires repetitive hand and wrist motion. - Essential functions must be performed during scheduled business hours. - Perform duties, be available and responsive during scheduled business hours. - Accurately enters time worked. - Must request preapproval for overtime hours. - Employees are not allowed to work for any other company during scheduled business hours. - Employees must follow all security protocols and requirements. - Employees must meet or exceed performance expectations and goals outlined by the manager. Location Requirements - Employees must ensure that the environment is work appropriate and does not pose any undue risk. - Employees must secure and protect the confidentiality of all data in his or her possession. - Employees must protect and care for company issued equipment. Notification The responsibilities associated with this position may change from time to time in accordance with the Company’s business needs. The incumbent may be required to perform additional and/or different responsibilities from those set forth above.