Account Manager - Non-QM Mortgage

About Emporium: Emporium is a wholesale origination platform dedicated to servicing professional mortgage brokers and non-delegated correspondent lenders. Our aspirations at Emporium are simple: build a team of talented individuals with shared values who think and behave like owners, create a culture focused on exceptional customer service, and deliver quality products and returns to stakeholders. Come join us!

Role Summary: The Account Manager, Non-QM Mortgage will be responsible for managing the pipelines and client relationships with the Account Executive they partner with. The Account Manager’s role is to facilitate the movement of loans in the entire pipeline, from submission to funding, so that loans are funded as quickly and efficiently as possible.

RESPONSIBILITIES

• Be a subject matter expert on all loan products offered by the company and the underwriting requirements of each loan product, handling post-submission questions from their mortgage brokers
• Consistently build meaningful relationships with all customers and accounts
• Maintain constant communication regarding condition status, file movement, and current turn time as established by Emporium TPO
• Understand the rate sheets and pricing for each loan product
• Be knowledgeable in the rate lock process and requirements. answering lock process-related questions from their mortgage brokers
• Have a thorough understanding of the processes required to successfully move a loan from submission to funding
• Work with submitting brokers. as needed, to provide them with guidance on how to properly satisfy underwriting or funding conditions
• Consistently communicate with Account Executives, Mortgage Brokers, and other key stakeholders
• Conduct a daily review of the active pipeline and identify appropriate client follow-up activities
• Review pipeline of all loans within assigned client segment for invalid document submission or identification of alternative document solutions and orders all appropriate documents, including but not limited to Collateral Desktop Analysis, Closing Agent Approval, Tax Transcripts, and Consumer Identity Validation
• Identify and resolve client issues and escalate to management as appropriate
• Manage individual service level agreements and turn times on all loans in the assigned pipeline
• Perform other related duties as required and assigned
• Demonstrate behaviors that are aligned with the organization's desired culture and values

REQUIREMENTS

• 5 years of experience in the residential lending industry
• 2 years of Wholesale Account Management experience
• Minimum of 2 years of current Non-QM lending experience
• Excellent written and verbal communication skills
• Thorough understanding of Agency, Non-Agency, Jumbo, and Investor loan programs, their requirements, and associated necessary documents
• Thorough understanding of loan pricing and lock requirements
• Demonstrated ability to manage pipelines with consistent client communication
• Demonstrated ability to build strong relationships with internal and external customers
• Ability to review the daily pipeline reports and prioritize the tasks needing completion in order to move loans through the pipeline to funding

If you do not meet all of the requirements listed in this job description, we still encourage you to apply! We carefully review every application and consider all projects, education, and certifications in addition to professional experience.

Emporium is an equal opportunity employer.  At Emporium we are committed to treating all Applicants and Associates fairly based on their abilities, achievements, and experience without regard to race, national origin, sex, age, disability, veteran status, sexual orientation, gender identity, or any other classification protected by law.