Job Description

Job Description

Job Description

JOB DESCRIPTION

Job Title: Non-Agency Account Specialist
Department: Operations
Reports to: VP of Operations
FLSA Status: Non-Exempt
Prepared By : Human Resources
Prepared Date : December 5, 2024
Management
Approval: Human Resources

Location: Roseville, CA or Remote

Summary:
The Non-Agency Account Specialist is responsible for providing critical support to the sales, underwriting, and operations teams by managing the
processing and structuring of mortgage loan transactions. This role involves analyzing and facilitating the structuring of complex mortgage deals,
ensuring compliance with company policies and regulatory requirements, and providing guidance on pricing, product options, and loan structuring.

Essential Duties & Responsibilities:

• Deal Structuring and Analysis:
Work closely with sales and underwriting teams to analyze complex loan deals, including pricing, product options, and risk factors. Provide
support and recommendations on structuring deals that align with company policies and profitability goals.
• Pricing and Risk Management:
Assess the best loan options for clients based on their specific financial situations and the company's portfolio.
• Coordination and Communication:
Act as the liaison between sales, underwriting, operations teams and Non-QM Investors ensuring smooth communication and timely
processing of transactions. Address questions or concerns related to deal structuring, pricing, exceptions and underwriting conditions.
• Documentation and Compliance:
Ensure that all necessary documentation for mortgage deals is complete, accurate, and compliant with industry regulations and company policies. Maintain records of all deal desk activities, including
pricing decisions, approvals, and client communications.
• Problem Resolution:
Provide support in resolving complex issues that arise during the loan origination process, including troubleshooting problems with deal
structure, pricing discrepancies, or underwriting challenges.

• Process Improvement:
Continuously review and recommend improvements to streamline deal desk operations, enhance efficiency, and improve the overall customer
experience.
• Market Research:
Stay up to date with current market trends, industry changes, and competitor offerings to ensure the company’s mortgage products
remain competitive and attractive to clients.

Supervisory
Responsibilities: None

Qualifications:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are
representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with
disabilities to perform the essential functions.

Preferred Qualifications:

Knowledge of industry regulations, compliance standards, and underwriting guidelines (e.g., FHA, VA, USDA, conventional loans).
Familiarity with pricing models, secondary market guidelines, and investor requirements.

Good with Customer Service and collaborating with production, credit admin and non agency investors and team.

Competencies: To perform the job successfully, an individual should demonstrate the
following competencies:

Problem Solving –Analytical, evaluative, and problem-solving.
Identifies and resolve problems promptly; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason even when dealing with
emotional topics.
Detail Oriented – Keen attention to detail
Interpersonal Skills –Ability to set and manage priorities judiciously
Maintains confidentiality; keeps emotions under control.
Oral Communication – Ability to present ideas in businessfriendly and user-friendly language. Speaks clearly and
persuasively in positive or negative situations; listens and gets clarification; responds well to questions; participates in meetings.
Written Communication – Writes clearly and informatively; edits work
for spelling and grammar; presents numerical data effectively; able to read and interpret written information.
Teamwork – Ability to work in a team-oriented, collaborative
environment. Contributes to building a positive team spirit.
Attendance/Punctuality – Is consistently at work and on time,
ensures work responsibilities are covered when absent.
Dependability – Follows instructions, responds to management
direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals;
complete tasks on time or notifies appropriate person with an alternate plan.
Initiative – Exceptionally self-motivated and directed. Volunteers
readily; undertakes self-development activities; seeks increased responsibilities.
Innovation – Displays original thinking and creativity; generates suggestions for improving work.

Education & Experience:
• Bachelor’s degree in finance, business, economics, or related field
preferred.
• 1-3 years of experience in Jumbo/ Non-QM underwriting, and past
experience with either Account Executive position or Loan Originator of Non-QM loans. Prior experience working directly with Non-QM
Investors to negotiate exceptions and prior experience with deal desk or pricing teams is a plus.

• 2-4 Years in Jumbo and Conventional Conforming & High Balance

• 1-2 years or Non Agency Products (Non QM)

Skills : Language Skills : Ability to read and interpret documents and write
routine correspondence. Ability to speak effectively with customers/vendors or other employees.
Mathematical Skills : Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and
decimals. Ability to compute rate, ratio, and percent.
Reasoning Ability : Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability
to deal with problems involving several concrete variables in
standardized situation.
Computer Skills : Sound working knowledge of computer and office
software operations and systems.
▪ Strong understanding of mortgage products, pricing, and loan structuring.
▪ Excellent analytical, problem-solving, and communication skills.
▪ Attention to detail and accuracy in reviewing mortgage deal
documents.
▪ Ability to manage multiple priorities and work in a fast-paced environment.
▪ Proficient in mortgage-related software and Microsoft Office
Suite.
Physical Demands : The physical demands described here are representative of those that
must be met by an employee to successfully perform the essential
functions of this job. Reasonable accommodations may be made to
enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly
required to sit, use hands to finger, handle, or feel and talk or hear. The
employee is occasionally required to walk and stoop.
Work Environment : The work environment characteristics described here are representative
of those an employee encounters while performing the essential
functions of the job. Reasonable accommodations may be made to
enable individuals with disabilities to perform the essential functions.
The noise level and temperature in the work environment is usually
moderate.
Collaborative and fast-paced office environment.
Occasional interaction with clients and external partners.

This job description does not promise or imply that the functions listed are the only duties to be performed or that the position may not change or be eliminated.
The Company has reviewed this job description to ensure that essential functions and basic
duties have been included. It is intended to provide guidelines for job expectations and the
employee's ability to perform the position described. It is not intended to be construed as an
exhaustive list of all functions, responsibilities, skills, and abilities. Additional functions
and requirements may be assigned by supervisors as deemed appropriate. This document
does not represent a contract of employment, and the Company reserves the right to change
this position description and/or assign tasks for the employee to perform, as the Company
may deem appropriate.
*My signature below indicates that I have reviewed this job description and I understand all my job
duties and responsibilities. I am able to perform the essential functions as outlined. I understand that
my job may change on a temporary or regular basis according to the needs of my location or
department without it being specifically included in the job description. If I have any questions
about job duties not specified on this description that I am asked to perform, I should discuss them
with my immediate supervisor or a member of the Human Resources staff.

Job Tags

Contract work, Immediate start, Remote job,

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