Insuring Analyst

Job description

🏡 **About Us** At eLEND, we are committed to delivering an exceptional mortgage experience through operational excellence, compliance, and client-focused partnership. Our post-closing and insuring functions play a critical role in ensuring loans meet applicable underwriting, investor, mortgage insurance, and regulatory requirements after closing. We operate in a highly collaborative environment where attention to detail, sound judgment, responsiveness, and accountability help protect the integrity of the lending process. ✨ **Why This Role Matters** As an **Insuring Analyst**, you will play a critical role in ensuring mortgage loans are accurately reviewed, compliant, and ready for successful insuring. This position is responsible for managing an assigned pipeline of loans, conducting comprehensive post-closing reviews, identifying documentation or underwriting discrepancies, and partnering with internal and external stakeholders to resolve issues. Your ability to analyze loan files, interpret guidelines, identify risk, and proactively resolve exceptions will directly support loan quality, compliance, and operational efficiency. 🛠️ **Key Responsibilities** - Manage an assigned pipeline of mortgage loans through the post-closing review and resolution process. - Conduct comprehensive reviews of closed loan files to verify compliance with underwriting guidelines, mortgage insurance requirements, and applicable regulatory standards. - Review loan documentation for accuracy, completeness, and consistency, including appraisals, credit reports, income documentation, and other required supporting documentation. - Analyze loan files to identify discrepancies, deficiencies, or potential compliance issues requiring resolution. - Investigate and resolve post-closing issues by partnering with agencies, lending institutions, brokers, borrowers, and internal teams. - Review and interpret underwriting documentation and automated underwriting system results, including DU and LP findings. - Ensure loan files meet applicable mortgage insurance guidelines and requirements prior to insuring. - Collaborate cross-functionally with Underwriting, Operations, Quality Control, Closing, Post-Closing, and other internal teams to resolve loan exceptions efficiently. - Exercise sound judgment and discretion when determining appropriate documentation, follow-up, and resolution strategies. - Contribute to quality control initiatives designed to identify recurring issues, reduce errors, and improve post-closing processes. - Identify opportunities to improve workflows, documentation standards, and overall operational efficiency. - Maintain a high level of integrity and ensure all loan reviews are conducted in accordance with applicable guidelines, regulations, and company requirements. - Adapt communication style and approach based on the needs of internal and external partners. - Maintain current knowledge of mortgage insurance requirements, underwriting guidelines, and applicable industry standards. - Perform additional responsibilities and projects as needed to support department and organizational goals. 🎯 **What You Bring** - High school diploma/GED or a minimum of 3 years of relevant professional experience. - At least 1 year of experience working with mortgage insurance requirements and guidelines. - At least 1 year of experience using Encompass or a similar mortgage loan origination system. - Experience reading and interpreting DU and LP findings. - Strong understanding of mortgage loan documentation, underwriting requirements, and post-closing processes. - Ability to analyze loan files, identify discrepancies, and determine appropriate resolution steps. - Strong attention to detail with a demonstrated commitment to accuracy and compliance. - Ability to manage an assigned pipeline and prioritize multiple loans, issues, and deadlines simultaneously. - Strong problem-solving skills with the ability to research issues and work collaboratively toward resolution. - Ability to work independently with minimal supervision while maintaining productivity and quality standards. - Strong written and verbal communication skills with the ability to effectively interact with internal and external partners. - Ability to exercise sound judgment and discretion when reviewing loan documentation and resolving exceptions. - Adaptable communication style with the ability to effectively work with different audiences, including agencies, lenders, brokers, borrowers, and internal teams. - Commitment to maintaining a high level of integrity and confidentiality when handling mortgage loan information. - Ability to demonstrate and uphold eLEND's core values through daily actions and decision-making. 📆 **A Day in the Life** Your day may include: - Managing and prioritizing an assigned pipeline of loans requiring post-closing or insuring review. - Reviewing closed loan files to confirm documentation is complete, accurate, and compliant with applicable requirements. - Analyzing credit, income, appraisal, underwriting, and other loan documentation to identify discrepancies or deficiencies. - Reviewing DU and LP findings and confirming that applicable requirements have been satisfied. - Identifying mortgage insurance or underwriting issues that could impact a loan's ability to be insured. - Communicating with internal teams, lenders, brokers, agencies, or borrowers to obtain clarification or missing documentation. - Researching guidelines and determining appropriate solutions for loan-level exceptions. - Tracking outstanding issues through resolution while maintaining accurate documentation and follow-up. - Partnering with other departments to identify recurring issues and recommend process improvements. - Supporting quality control initiatives designed to improve loan accuracy and reduce post-closing defects. - Balancing independent decision-making with appropriate escalation when additional guidance is needed. - Ensuring every loan review is completed with accuracy, consistency, and a strong commitment to compliance. 💼 **Worksite** **Remote** - This role operates in a collaborative environment partnering closely with Underwriting, Operations, Quality Control, Closing, Post-Closing, and other mortgage functions. - Regular communication via phone, video, email, and internal mortgage systems. - Ability to review detailed mortgage loan documentation and financial information with a high level of accuracy and attention to detail. - Ability to manage an individual loan pipeline while meeting established productivity and quality expectations. - Reasonable accommodations available as needed. - PST/MST time zone. 💰 **Compensation & Benefits** - Competitive compensation $24.38 - $30.47/hourly - Comprehensive medical, dental, and vision coverage - 401(k) plan with company participation of 1% - Paid time off and company holidays - Professional development and career growth opportunities - Access to tools, systems, and resources that support operational excellence - Collaborative and growth-oriented team environment - new technology and AI methodologies 🌈 **Equal Opportunity for All** At eLEND, we are committed to building a diverse and inclusive workplace where all team members are respected, supported, and empowered to succeed. Employment decisions are based on qualifications, experience, and business needs, ensuring equitable opportunities for all individuals regardless of background or identity. 💬 **Stay Connected** Join today to connect with our team, stay informed about upcoming roles, and explore how your mortgage expertise can help strengthen loan quality, compliance, and operational excellence at eLEND.