Silverton Mortgage

Title: Mortgage Operations Specialist Location: Silverton Corporate Office #4000 Job Description: Why Silverton Mortgage: • We are a people first organization that was voted a top place to work by the Atlanta Journal and Constitution and the Financial Services Industry • We believe in giving back and we do so through The Silverton Foundation • Our strong communication skills drive customer satisfaction • We offer extensive product lines and maintain an in-house loan process that offers a competitive edge • We have fun! Pay: The expected base pay range for this position is from $45,000 to $50,000 plus additional bonus opportunity resulting in an expected total annual compensation of $50,000-55,000. The annual compensation range is based on experience, qualifications, and other relevant factors. Final compensation decisions will take into account a variety of considerations, including individual skills, internal equity, and organizational needs. Why join us? At Silverton Mortgage, our team members recognize that home loans are as unique as the people who seek them and work closely with borrowers to find the right program to fit their specific needs. We are guided by the strong belief that communication is key, which is why we take pride in helping home buyers through the entire loan process, from application to closing, managing all aspects in-house. We take pride in giving back to the community which is why we started the Silverton Foundation with the mission to provide a mortgage and rent assistance program to help reduce financial and emotional burdens, allowing parents to focus on their child’s health. Our goal is that when their child is ready to return after the crisis, their home and loved ones are waiting. - Earned 2022 & 2024 Top Workplaces Culture Excellence recognition for Innovation, Work-Life Flexibility, and Compensation & Benefits issued by Energage and USA Today. - Recognized in Atlanta Business Chronicle for multiple years as one of the Best Places to Work, and as a Top Workplace in both the Atlanta Journal-Constitution and Charlotte Observer. - Competitive pay and benefits, 401k match, 10 holidays, PTO, Volunteer Time Off. JOB SUMMARY TheOperations Specialist IIIassiststhe Underwriting and Closing department. This positionis responsible forreviewing mortgage loan files for accuracy andassistingincorrectly and efficiently takinga file to itscompletion. JOBFUNCTIONS FileMaintenance - Confirmscompleteness of system data related to contract, closing screens, document delivery dates, and file event dates. - Responsible for adding, updating, or clearing conditions within the companyloan operating system. - Issuestheclear toclosein theloan operating system. - Assignsdue out dates for new loan submissions and conditions based on published turn times; assign files to theUnderwriting team. - Providesstatus of failed audits to ensure responsiblepartycan completetimelyresolution of audit deficiencies. Auditing - Reviewsnew loan filesfor qualityandminimum submission standards. - Identifiesand interpretspost-closing failed loan document messages. - Maintainsan overall error percentage of less than 15%. - Reviewsandmaintainsdocumentation according to required standards. - Completesa thorough checkdown of final approved loans. - Conductsrandom quality control checks of loans at various stages (Processing, Underwriting, Closing) to ensure compliance with department standards. REQUIREMENTS AND QUALIFICATIONS Education: High school diploma or equivalentrequired. - Years of Related Experience:1yearofmortgage experience.Processing or underwriting experiencepreferred. Knowledge,Skillsand Abilities (KSAs): - Excellent written and verbal communication skills along with solid computer skills. - Analytical thinker and consultative mind to support both team members and managers in all areas of the business. - Goal-oriented, self-motivated with the capacity to meet and exceed assigned goals. - Willing to learn, industrious, determined, and assertive.   - Excellent organizational skills and the ability to multitask to complete a wide variety of tasks. - Strongpeopleskills with ability to interact with all internal teams and external customers.  - Must be able tomaintainsensitive and confidential information. - Diligence to ensure tasks are completed thoroughly and on time. Silverton Mortgage is committed to creating an inclusive workplace. Silverton Mortgage is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status. Business Unit - Silverton Mortgage

Title: Post Closer III Location: Silverton Corporate Office #4000 Job Description: Why Silverton Mortgage: • We are a people first organization that was voted a top place to work by the Atlanta Journal and Constitution and the Financial Services Industry • We believe in giving back and we do so through The Silverton Foundation • Our strong communication skills drive customer satisfaction • We offer extensive product lines and maintain an in-house loan process that offers a competitive edge • We have fun! Post Closer III Department: Post Closing Work Style: Hybrid (3 days in-office) Location: Atlanta, GA Pay: Hourly/non-exempt The expected pay range for this position is from $19.23-$24.00 plus additional bonus opportunity. The stated hiring range is based on experience, qualifications, and other relevant factors. Final compensation decisions will take into account a variety of considerations, including individual skills, internal equity, and organizational needs. JOB SUMMARY The Post Closer is responsible for receiving closed loan packages, performing comprehensive file audits from note date through completion, clearing post-closing conditions after delivery to investors, and supporting all post‑purchase related functions. This role ensures data integrity, compliance, completeness, and timely sale of loans to investors. Responsibilities: Receive and Validate Closing Packages · Receive, log, and review all closing packages for completeness and accuracy. · Verify inclusion of required documents such as the Note, Final Closing Disclosure, security instruments, and investor‑specific forms. · Coordinate with closing, processing, and title companies when documents are missing or incomplete. Audit Loan Files · Conduct a full post‑closing audit ensuring all documents meet internal, agency, and investor requirements. · Confirm accuracy of signatures, dates, notarization, fee disclosures, and document formatting. · Identify discrepancies and initiate corrections with internal staff and settlement agents. · Ensure compliance with regulatory requirements, including TRID, HMDA, and company guidelines. Condition Clearing · Review investor suspense or deficiency conditions and gather documentation needed for clearing. · Communicate with investors, internal teams, and external partners to resolve outstanding issues. · Upload or submit corrective documents to investors within established timelines. · Track outstanding conditions through completion to ensure loans are purchased quickly. · Maintain accurate records of post‑purchase activities for audit and reporting purposes QUALIFICATIONS: 3–5+ years of mortgage post‑closing experience, specifically in a high‑volume lending environment. Strong, hands-on experience with: - Reviewing and auditing complete closing packages - TRID compliance and CD validation - Note and security instrument accuracy verification - Clearing investor suspense conditions - Uploading/document delivery to major investors or aggregators - Experience handling investor deliveries for Conventional, FHA, VA, USDA, Jumbo/Non-QM PHYSICAL DEMANDS: - Must be able to remain in a stationary position 75% of the time. - Constantly operate a computer and other office productivity machinery, such as a telephone, calculator, copy machine, and computer printer. - 30% communication methods completed over the phone. - Must be able to exchange accurate information at all times. - Constantly works in an indoor temperature controlled, sealed window office environment. BENEFITS: - Medical and Dental Plan with Prescription Coverage and Vision - Competitive benefits including 401(K) includes 100% company match of the first 4% - Paid time off days (PTO), maternity/paternity leave, and holidays - Community involvement including Volunteer Paid Time Off (VTO) - Tuition Assistance for your first degree - Wellness programs that focus on emotional, social, spiritual, intellectual, environmental, physical, and financial well-being - Collaborative and energetic work environment - Professional development and promotion opportunities - Competitive bonus programs Silverton Mortgage is committed to creating an inclusive workplace. Silverton Mortgage is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status. Business Unit - Silverton Mortgage