Home Loan Member Advocate
Core
Subject matter expert in loan restructuring, loan conversion, and complex income analysis for mortgage and home equity scenarios.
Role type
Senior IC mortgage loan restructuring specialist
Builds
Restructured loan solutions and conversion outcomes for members
Domain
Mortgage lending and financial services
Deliverable
production ML models | product features | dashboards & analysis | research | client delivery | infrastructure | physical/clinical work
Required skills
loan restructuring, complex income analysis, Fannie Mae/Freddie Mac/FHA/VA guidelines, self-employed income evaluation, automated underwriting systems, regulatory compliance, member negotiation, pipeline management
Preferred skills
Jumbo/non-conforming products, Texas-specific lending regulations, Day One Certainty validations, HomeReady/Home Possible programs
Technologies
Desktop Underwriter (DU), Loan Product Advisor (LPA), Encompass, Optimal Blue
Responsibilities
Analyze and execute loan restructuring solutions for complex borrower income scenarios; Perform detailed income and liquidity calculations using tax returns and financial statements; Identify and resolve complex eligibility scenarios across various lending guidelines; Evaluate borrower credit, income, assets, and risk to identify viable restructuring options; Utilize automated underwriting systems to validate restructured loan scenarios; Manage a pipeline of 10–15 active files to meet SLAs and maximize conversion rates; Engage directly with members to present options, negotiate terms, and retain business; Collaborate with Sales, Processing, Underwriting, and Secondary Marketing to resolve conditions and facilitate closings.
Seniority
Senior, hands-on IC