Investor Analyst – Guidelines Expert (Mortgage)
Description
AmeriSave Mortgage is a leading online mortgage lender, dedicated to simplifying the mortgage process and empowering homeowners with fast, transparent, and competitively priced loans. In addition to helping customers achieve the dream of homeownership, we also assist them with refinancing existing mortgages and securing home equity loans. Through our innovative technology and customer-centric focus, we strive to make home financing more accessible and tailored to individual needs.
Position Overview
The Investor Analyst role will be focused on Mortgage Loan Guidelines and is responsible for developing, maintaining, and overall accuracy of the guidelines and the Guideline Library (to be created).
AmeriSave offers a rapidly expanding broad range of programs. This person will be responsible for ensuring a robost method of maintaining the accuracy of the guidelines, ensuring they are up to date and providing ease of access for other departments.
This role will leverage our internal proprietary loan origination system (CRM), and our Automated Underwriting System (Aussie) to ensure guidelines align with what we have coded into the system in terms of the origination process. This person will serve as a subject matter expert on investor, agency, and regulatory requirements, providing guidance to internal teams to ensure accurate interpretation and application of guidelines across all mortgage products.
Key Responsibilities
- Develop, update, and maintain comprehensive mortgage loan guidelines in alignment with investor, agency (Fannie Mae, Freddie Mac, Ginnie Mae), and regulatory standards.
- Establish strong investor relationships to establish two main goals; (i) ensure transparency and communication of the changes being proposed and (ii) work in collaboration with investor back office to advocate on behalf of AmeriSave best interests.
- Monitor changes in federal, state, and agency regulations and communicate updates to relevant stakeholders.
- Collaborate with underwriting, operations, and compliance teams to ensure consistent application of guidelines.
- Conduct periodic audits and reviews to identify gaps or inconsistencies in guideline adherence.
- Provide training and support to internal teams on guideline changes and best practices.
- Serve as the primary point of contact for escalated guideline interpretation questions for both internal associates and external investors.
- Partner with product development team to assess guideline impact on new offerings
- Other duties as required.
Qualifications
- Bachelor’s degree in Finance, Business Administration, or related field (or equivalent experience).
- Minimum of 5 years of experience in mortgage lending, underwriting, or compliance.
- Demonstrated expertise in Fannie Mae, Freddie Mac, FHA, VA, USDA and Investor guidelines.
- Experience in policy development and regulatory compliance within the mortgage industry.
- Familiarity with CFPB, RESPA, TILA, and other applicable regulations.
- In-depth knowledge of mortgage lending regulations, investor requirements, and agency guidelines.
- Advanced level knowledge on pricing specifically experience with interpreting how an LLPA impacts eligibility and or pricing. This is a core job function and critical to the role. This will be tested for in advance of any offer.
- Strong analytical and problem-solving skills with the ability to interpret complex regulatory language.
- Excellent written and verbal communication skills for drafting clear guidelines and training materials.
- Ability to manage multiple priorities and work effectively in a fast-paced environment.
- Proficiency in mortgage loan systems and Microsoft Office Suite.
- Strong attention to detail and commitment to accuracy.
Advanced Skills
- Experience and understanding of ATR and TRID related exposures and how pricing may avert risks for the origination. Understanding the risks that new investors may bring and how we may need to change basic guidelines to ensure success of the program.
- Ability to read the rate stack and be educated fully on how pricing works for files specifically the buy down ratio calculation.
**Please note that the compensation information that follows is a good faith estimate for this position only and is provided pursuant to the Colorado Equal Pay for Equal Work Act and Equal Pay Transparency Rules. It is estimated based on what a successful Colorado applicant might be paid. It assumes that the successful candidate will be in Colorado or perform the position from Colorado. Similar positions located outside of Colorado will not necessarily receive the same compensation. **
Compensation:
Annual compensation for this position is approximately $65,000 - $76,000. Compensation commensurate with experience.
Benefits:
- 401(k)
- Dental insurance
- Disability insurance
- Employee discounts
- Health insurance
- Life insurance
- Paid time off
- 12 paid holidays per year
- Paid training
- Referral program
- Vision insurance
AmeriSave is an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
California Consumer Privacy Act Disclosure Acknowledgment
Employment Applicants, New Hires, and Employees Residing in California
AmeriSave Mortgage Corporation’s Privacy Policy Statement (“Policy”) can be reviewed here: www.amerisave.com/privacy-policy
AmeriSave Mortgage Corporation’s California Consumer Privacy Act (“CCPA”) Recruitment Disclosure can be reviewed here: https://www.amerisave.com/ccpa-recruitment-disclosure/
When AmeriSave’s Human Resources Department makes future requests for personal information, the same Policy is applicable. By applying, you understand this acknowledgment covers current and future personal information requests. You also acknowledge the business purpose of the personal information collected and that future requests may occur while applying for a position at AmeriSave and/or during employment, if applicable.