Deal Desk

Description:

• Evaluate loan scenarios and identify opportunities to restructure loans to meet eligibility requirements and improve approval potential.
• Coordinate loan restructures by reviewing borrower qualifications, loan terms, and documentation to identify viable solutions.
• Conduct high-cost loan reviews to identify potential compliance concerns and ensure applicable regulatory requirements are met.
• Review and follow up on loan cancellation requests, coordinating with relevant teams to determine next steps and ensure timely resolution.
• Collaborate with underwriting, sales, closing, and operations teams to resolve loan issues and facilitate smooth processing and funding.
• Communicate loan structure recommendations, eligibility considerations, and potential solutions to internal stakeholders.
• Maintain accurate documentation of loan restructures, high-cost reviews, and cancellation requests.
• Monitor outstanding requests and follow up with appropriate departments to ensure timely responses and resolution.
• Maintain a strong understanding of Champions Funding’s proprietary Non-QM credit policies, loan programs, and applicable regulatory requirements.
• Identify recurring issues and recommend process improvements to enhance operational efficiency and loan quality.
• Support the sales and operations teams in resolving complex loan scenarios and minimizing disruptions to the loan pipeline.

Requirements:

• Required: 3–5 years of experience in mortgage lending, loan processing, underwriting, closing, or a related mortgage operations role.
• Sales experience preferred, with the ability to build relationships, communicate effectively, and identify solutions that support business objectives.
• Strong understanding of mortgage loan structures, Non-QM products, and loan eligibility requirements.
• Experience evaluating loan scenarios, coordinating loan restructures, and resolving complex loan issues preferred.
• Knowledge of high-cost mortgage reviews and applicable mortgage compliance requirements preferred.
• Experience with mortgage loan origination systems, preferably Encompass LOS.
• Excellent written and verbal communication skills with the ability to collaborate across multiple departments.
• Strong analytical, organizational, and problem-solving skills with exceptional attention to detail.
• Ability to manage multiple requests, prioritize competing deadlines, and follow through on outstanding items.
• Ability to work independently while contributing effectively to a fast-paced, team-oriented environment.