Community Central Mortgage Company

Thanks for taking the time to visit our employment page listed on the IMBA website. We're glad you decided to take a closer look at COMMUNITY CENTRAL MORTGAGE COMPANY (a subsidiary of Community Central Bank).

Our philosophy is simple, hire the best available talent in Indiana and then provide them with the best programs, technology and tools available in the industry. Joining the COMMUNITY CENTRAL MORTGAGE COMPANY team will afford you the opportunity to service every possible client. With your ability as a mortgage professional and our tools, you will expand your client base and referral network while working for a bank owned mortgage company.

The following positions are currently open in all areas of Indiana:

Loan Officers:

Come experience what our originators already know, COMMUNITY CENTRAL MORTGAGE COMPANY is a great place to work. Glance through the information listed below and you'll discover why we have a 99% retention rate with our highest producing originators and branch managers.

Branch Managers:

We have an excellent opportunity for the right people. Through our Branch Partnering Program we can tailor a branch management plan that fits your production lifestyle. Our management plans were created to allow you complete flexibility. Whether you desire to spend the majority of your time producing or recruiting producers, our Branch Partnering Program will work for you. Our compensation and bonus plan is one of the highest in the industry.

Here's a preview of what we may offer to experienced professionals:

·                     Outstanding Compensation Plan

·                     Major Medical Coverage

·                     Prescription Coverage

·                     Dental Coverage

·                     Short Term Disability

·                     Long Term Disability

·                     Company Paid Life Insurance

·                     Life Insurance Buy-Up Option

·                     Dependent Life Insurance

·                     Tax Free "Flexible Spending Account"

·                     Large Amount Accidental Death & Dismemberment

·                     401k Retirement Plan

·                     ESOP (Employee Stock Ownership Plan)

·                     Free Employee Checking Account

·                     Quarterly Production Contests. Our most recent winners enjoyed trips to Las Vegas, Golf Vacations

and other wonderful incentives.

·                     Annual "Presidents Club" trip for the top producers

·                     In-house Marketing Department

What's our Secret?

We allow you to wear several hats to supply your clients with the most products and programs available. Here's how you too can reach new levels of success:

Mortgage Lender/Banker:

You will have the ability to originate, underwrite, close and fund all of your FHA/VA and conventional files under our roof. Your files will be processed and closed by the best support staff available in the industry. The support staff is located and fully accessible to you right in your own office (off-site processing centers are NOT required, but are available if you require them).

Mortgage Broker:

You will have the ability and the option to originate and close your Conventional and Specialty Loans (in-house), through a vast array of investors offering hundreds of programs. All at rates that will leave your competition wondering how you did it. You will never lose another client due to uncompetitive rates again.

Technology:

This is one aspect of the business we are committed to. We are fully functional with DU, LP and other AUS options - You'll love what we have in store for you.

Website(s):

Our website is 100% dedicated to you, the mortgage professional. This site is designed for both internal and external usage. Our site features your own personal web page. Your personal web page includes the following information:

·                     Full Color Picture & Bio

·                     Direct Link to your personal e-mail

·                     Consumer Resource Center

·                     Full Mortgage Calculators

Marketing:

This is by far our biggest Hot Button. We can't wait to accommodate any and all marketing suggestions you have to enhance our current system. Here are a few examples of what we have to offer you:

TOLL FREE INFORMATION HOTLINE:

We are finalizing an agreement with the #1 provider of "Call Capture" technology. This system has the ability to assist REALTORS, For Sale By Owners, First Time Home Buyers, and Renters in the homeownership and financing process.

CUSTOMER LOYALTY CAMPAIGN:

As a valued member of our origination team, you will have the ability to participate in one of the best customer follow-up campaigns in the mortgage industry. On your behalf we will mail a series of 15 mailers to your customer over a 5 year period. These mailings will contain personalized messages from you along with postage-paid response cards. This system can generate leads by maintaining a steady stream of two-way communication between you and your customers.

HOME BUYER PRIVILEGES:

Because of our large volume and through a Preferred Partnership with Genworth, you will be able to offer your clients discounts, rebates and special offers from: The Home Depot, Dish Network, Avis Car Rental and Penske Truck Rental just to name a few.

FREE HOME SECURITY SYSTEM:

We have an arrangement with one of the nation's top providers of Home Security. Due to our large volume of closings our supplier provides a FREE security system and installation to each one of your past clients (at your request). A personalized follow-up, Thank you and referral request letter is sent to each one of your clients. You can even utilize this marketing piece to attract new clients.

BOOK-OF-ADS:

As one of our top producers you have access to our Ready-To-Use, Direct Response Print Ads and Post Cards. Our "Book-of-Ads" is loaded with camera-ready Newspaper, Homes Book and Direct Mail Postcard ads, plus a bonus clip art section.

Thank you for visiting our mortgage career page. As a mortgage professional we are confident that you would flourish in our "originator friendly" environment. It would be an honor to have you join our team. We wish you the best in your decision making process.

For more information, contact:

Jayne Dann

Jayne Dann
Vice President
jayne.dann@communitycentralbank.com
Phone: 317-745-3300 x2701
Toll Free: 866-951-0951
Fax: 317-745-2300

Royal United Mortgage

Description

We need engaging and stimulating communicators, who can project enthusiasm and motivate others; are informal out-of-the-box thinkers who have a passion and commitment to help customers achieve their financial goals.

Our Mortgage Advisers are responsible for:

·         Soliciting and originating mortgage loans (Conforming, FHA, Prime)

·         Marketing the company's programs to existing and potential customers

·         Assisting Operations staff in obtaining necessary information from the borrower

·         Analyzing loan requests and make recommendations for mortgage financing

What will Royal United Mortgage offer you?

·         Solid base salary

·         Unbeatable incentive plan

·         Paid Internet marketed leads

·         Full benefits including medical, dental, vision, 401(k)

·         State-of-the-art technology

·         Casual working environment

·         Career advancement opportunities

Requirements

Job Objective:

Originate Refinance, Home Equity, and Purchase Mortgage transactions via inside call center. 

 Work Responsibility:

·         Work a defined 40 hour Set Schedule with one day/week working a 4 hour shift on Saturday or Sunday

 ·         Learn, develop and gain certification on how to originate all available lead sources offered by the company

 ·         Learn, develop and gain certification on the proper way to develop and originate referral transactions

 ·         Learn, develop, and gain certification on the following work skills and competencies

·         Home Mortgage Terminology

·         Home Mortgage Forms, Applications, Disclosures

·         Credit

·         How to select from the multiple Investors, Products, Guidelines, and Pricing options

·         How to structure and build Loan Options

·         How to price

·         Multiple Technology Platforms

·         RESPA

·         MDIA

·         HVCC

Opening, Closing, Processing, Underwriting, Funding

Key Performance Metrics

Time Management

 Task Management

 Achieve Documented Key Performance Indicators documented by Management on a daily, weekly, and monthly basis

 Complete and Maintain all necessary licensing requirements to service customers in at least four states.

Mercer Belanger - Attorney

Downtown Indianapolis Law Firm seeks an attorney with 1-3 years law firm experience in the areas of borrower lender relations, foreclosure law, real estate law, banking law, fair debt, bankruptcy law and numerous related fields.  The successful candidate will have a strong desire to work hard and assist in the development of new business.

SKILLS AND EXPERIENCE:

Admission to Indiana Bar

Detail-oriented team player

DUTIES AND RESPONSIBILITIES:

Ability to manage and oversee a heavy case load of active files.

Strong interpersonal communication skills, both written and verbal, and must be able to multi-task.

E-mail resume and cover letter to chall@indylegal.com

     First Merchants Corporation

   Job Description

This description is intended to indicate the essential responsibilities of the position.  It is not intended to be all-inclusive nor does this limit management’s right and responsibility to determine work assignments, reassignments, priorities, etc. 

Position Goals:
Responsible for analysis, evaluation, and approval or decline of loan files for credit worthiness and compliance with all applicable guidelines and policies.

Supervision Received:
Team Manager.

Supervision Exercised:
Provide functional guidance to mortgage loan processors.

Essential Duties and Responsibilities:
1.     Review and validate the calculations submitted by the process. 

a.     Validate income used calculated correctly.

b.    Validate income used is acceptable.

c.     Validate asset value calculations

d.    Validate assets are acceptable and properly documented.

2.     Review and analyze the file set up for compliance with product requirements

a.     Validate Automated Underwriting system (AUS) findings match the file information and set up.

b.    Validate the product is acceptable for the investor selected.

3.     Perform second reviews on loan files denied while in processing.

4.     Analyze the loan file for approval or denial based on applicable guidelines and acceptable lending practices.

5.     Collaborate with the processor prior to underwriting on loan files with difficult characteristics.

6.     Correspond with the investor or agency to support/clarify guidelines and appropriate means of compliance.

7.     Provide feedback and guidance to processors to ensure continual learning.

8.     Completion of HMDA related information on all files reviewed.

Knowledge, Skills and Abilities:

In addition to the competencies listed below, all positions within the Corporation require individuals who possess a pleasant and friendly personality, project sensitivity towards customers and fellow employees, and maintain a neat and clean professional appearance.  Further, all employees will have access to confidential, sensitive and/or non-public customer information and it is expected that each employee will have the ability to ensure their work locations and activities comply with the Information Security Policy.

Competencies

1. Functional/Technical Skills

• Has the knowledge and skills to successfully perform position essential functions.

2. Timely Decision Making

• Makes quick decisions with incomplete information under deadlines and pressure.

3. Organizational Agility

• Knows how to get things done through formal channels and informal networks within the company.
• Understands the origin and reasoning behind key policies, processes and procedures used by the department.
• Understands and can work in the organization’s culture.

4. Planning

• Sets goals and objectives for self.
• Anticipates and adjusts for problems and roadblocks.
• Breaks work down into steps to accomplish assignments and tasks.

5. Problem Solving

• Uses logic, analysis and methods to solve problems and offers useful solutions.
• Looks beyond the obvious to find more than one option for the solution.

Position Requirements:

Education –      High school diploma or equivalent (GED), plus up to eighteen (18) months of specialized training

                        or education beyond high school in accounting, bookkeeping or a related field.

Experience –     Three (3) to five (5) years experience underwriting conventional and government mortgage loans.

Other –             None.

Physical -          Sedentary office environment.

Send cover letter and resume to Debbie Wohlberg, Human Resource Manager, at dwohlberg@firstmerchants.com

 First Merchants Corporation

Job Description

This description is intended to indicate the essential responsibilities of the position.  It is not intended to be all-inclusive nor does this limit management’s right and responsibility to determine work assignments, reassignments, priorities, etc. 

Position Goals
Responsible for analyzing and evaluating all information provided within a loan file for compliance with applicable investor guidelines, regulations, and bank policies as well as coordinating with the originator, underwriter, and closer to get the loan to the closing table. 

Supervision Received:
Team Manager.

Supervision Exercised:
None

Essential Duties and Responsibilities:

1.     Validate and analyze income documentation.

a.     Calculate income from paystubs and validate to W-2’s.

b.    Calculate self employed income.

c.     Seek out additional documentation as needed to support the income used for qualification.

d.    Address discrepancies.

2.     Validate and analyze asset documentation provided. 

a.     Validate sufficient funds to close.

b.    Validate required reserves.

c.     Explain/remove inconsistent/large deposits.

d.    Calculate asset value as required by applicable investor.

3.     Perform initial appraisal review.

a.     Complete the appraisal review form.

b.    Seek corrections for issues and deficiencies.

c.     Validate the appraisal to requirements.

d.    Provide copy to borrower as required by regulations.

4.     Validate ratio related debts.

5.     Analyze credit report for accuracy.  Request updates and clarifications as needed.

6.     Ensure supporting documentation required by the Automated Underwriting System (AUS) findings and the investor requirements are met prior to submitting the file to underwriting.

7.     Run Automated Underwriting System (AUS) engines as needed.

8.     Review flood determination and take required action.

9.     Collect appropriate documentation to clear applicable conditions set by the underwriter.

10.  Complete required work to prepare the loan file for the closer.

Knowledge, Skills and Abilities:

In addition to the competencies listed below, all positions within the Corporation require individuals who possess a pleasant and friendly personality, project sensitivity towards customers and fellow employees, and maintain a neat and clean professional appearance.  Further, all employees will have access to confidential, sensitive and/or non-public customer information and it is expected that each employee will have the ability to ensure their work locations and activities comply with the Information Security Policy.

Competencies

1. Functional/Technical Skills

• Has the knowledge and skills to successfully perform position essential functions.

2. Timely Decision Making

• Makes quick decisions with incomplete information under deadlines and pressure.

3. Organizational Agility

• Knows how to get things done through formal channels and informal networks within the company.
• Understands the origin and reasoning behind key policies, processes and procedures used by the department.
• Understands and can work in the organization’s culture.

4. Planning

• Sets goals and objectives for self.
• Anticipates and adjusts for problems and roadblocks.
• Breaks work down into steps to accomplish assignments and tasks.

5. Problem Solving

• Uses logic, analysis and methods to solve problems and offers useful solutions.
• Looks beyond the obvious to find more than one option for the solution.

Position Requirements:

Education –      High school diploma or equivalent (GED).

Experience –     Three (3) through five (5) years mortgage processing experience or related.

Other –             Experience with government and/or conventional loan processing.

Physical -          Sedentary office environment.

Send cover letter and resume to Debbie Wohlberg, Human Resource Manager, at dwohlberg@firstmerchants.com.