Job Description

Doc Drawer

At Acra Lending our employees enjoy an opportunity to work with great people. We celebrate several events throughout the year accompanied by raffles and giveaways for employees nationwide. We are especially proud to give back to our community and truly enjoy one another's company.

We are looking for candidates to join our team who are passionate about their vocation. Who are committed to making a contribution and are looking to gain experience in order to grow in their career. Our headquarters are located on a beautiful campus in Irvine, California and if you work out of our Irvine office we can also provide a free gym membership.

We are currently searching for a Doc Drawer. This position is responsible for funding all Wholesale Conventional loans including fixed rate, adjustable rate, balloon and equity lines of credit. Use knowledge and experience of the funding process and compliance requirements to make sound decisions to commit company funds for loan fundings. Meet or exceed production expectations.

Responsibilities

• Review loan documents for accuracy, completion, and compliance. Identify any missing or expired documents or incomplete items and address with appropriate department.
• Prepare and generate closing packages ensuring all required information is accurate and all necessary documents are included.
• Analyze loan documents and decide as to whether the loan meets all requirements to proceed with funding.
• Adheres to required timeframes to ensure timely and accurate closings.
• Prepare and validate the Closing Disclosure and set up wires ensuring accuracy of wiring instructions.
• Perform duties under moderate to close supervision and actively engage supervisor and/or manager to resolve complex issues.
• Remain current on funding guidelines and compliance requirements.
• Effectively communicates status and expectations to internal staff and escrow/title.
• Utilize time management skills to stay on track with multiple loans at various stages of the funding process.
• Works collaboratively to meet company goals for funding.
• Performs other duties as assigned.

Knowledge and Skills Required

• Strong knowledge of wet/dry state closing requirements
• Strong knowledge of funding guidelines and procedures
• Ability to communicate effectively in both verbal and written form
• Strong time management skills to plan and organize a high daily loan volume
• Strong ability to be very detail-oriented in a deadline driven environment
• Ability to handle multiple tasks simultaneously with a high level of accuracy and attention to detail
• Must be a team player and work constructively with fellow employees

Credentials and Experience Required

• Minimum 2 years of experience with state and federal lending regulations (i.e., ability to repay (ATR), RESPA, TRID, Fair Lending, etc.)
• Computer literate with experience using Microsoft applications with mortgage industry standard software

Language Skills

Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.

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 and to draw and interpret bar graphs.

Reasoning Ability

Ability to apply common sense understanding to carry out detailed instructions. Ability to deal with problems involving a few concrete variables in standardized situations.

Computer Skills

Advanced knowledge of Microsoft Office applications (Word, Excel, Outlook, etc).

Physical Demands

While performing the duties of this job, the employee is regularly required to:

• Sit for extended periods of time
• Move about the office (stand and walk)
• Reach with arms and grasp with hands
• Perform tasks using a computer and peripherals (keyboard, mouse, monitor)
• Hear, talk, read, and write
• Employee is occasionally required to:
• Lift up to 25 pounds
• Vision requirements include:
• Close vision (computer monitor, paperwork)

Benefits

Our benefit offerings include: Medical, dental, vision, wellness programs, EAP counseling services, FSA & HSA, company sponsored life insurance for employee, voluntary life insurance for employee, spouse and child, AD&D Insurance, voluntary short-term and long-term disability, critical illness insurance, accident insurance, legal assistance, pet insurance, living will and trust preparation discounts, commuter program, annual walking challenge, employee appreciation events and monthly sales awards.

At Acra Lending, we were founded with a clear purpose: to specialize in alternative income loan products that help borrowers qualify for our flexible loan programs. We operate in 39 States, out of nine offices in Arizona, California, Florida, Georgia, Hawaii, Missouri, Nevada, Texas, and Utah along with a growing team of remote professionals across the country. Throughout the mortgage industry, Acra Lending is widely known for responsible lending practices, product innovation and operational efficiency. The foundation of our Company is built on helping our customers by providing Non-QM mortgage solutions for today's borrower in residential and commercial properties across America.

Our Leadership team will encourage you to grow, make time to have fun, and work together to make great things happen. We embrace the strengths and values of each team member. We believe in having diverse perspectives where everyone is included, to serve customers from all walks of life. We reward our employees with a competitive salary and a variety of benefits to help our team members reach their health, retirement, and professional goals along with an exceptional 401k match program. We look forward to meeting you!

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