TCLS Mortgage Processing Center of America, Inc.

TCLS Mortgage Processing Center of America, Inc. We are a company which takes pride in developing teamwork in accomplishing tasks for our clients.

20/04/2021

📌We are hiring FULL STACK/ SYSTEMS DEVELOPER!
📧Send your resume to [email protected]

Job Responsibilities
✔Must be able to build responsive web apps
✔Must be able to create API backend service
✔Knowledge in Test Drive Development is an advantage
✔Participate in the full application lifecycle (requirements, design, development, testing, deployment and maintenance)
✔Work with product and design teams to understand end-user requirements and use case scenarios
✔Engage in requirements elaboration and analysis, suggest solutions and contribute innovative and original ideas
✔Produce fully functional user interfaces
✔Write clean, optimized and readable code with eye for component re-usability
✔Troubleshoot existing applications and fix bugs
✔Research and suggest new products, applications and protocols and stay up-to-date with latest technologies

Development Skills
✔Web Development: HTML5, CSS, SASS, JavaScript, JQuery, ASP.NET. C #, PHP, Responsive Design
✔Frontend Frameworks: Angular 6+/ Node.js, et.
✔Knowledge in MSSQL and/or MySQL database
✔Knowledge in continuous Integration and Deployment
✔Knowledge in Project Management
✔Knowledge in Test Driven Development
✔Knowledge in hybrid application development is an advantage

Personal Skills
✔Self-motivated, independent, with a passion for software development
✔Excellent analytical skills with a creative problem-solving attitude
✔Ability to perform in a team environment
✔Engaged, confident, and professional manner in phone, web video, and face-to-face conversations
✔Must be highly trainable.

Education, Experience & Qualifications
✔BSC degree or Higher, in Computer Science or Information Systems
✔Minimum of 6 years as a systems/ web application developer with a year of experience in front-end and user interface development
✔Experience with third-party libraries and APIs
✔Familiarity with Object Oriented design principles

Job Requirements
✔Candidate must possess at least Bachelor's/College Degree in Engineering (Computer/Telecommunication), Computer Science/Information Technology or equivalent.
✔At least 6 Year(s) of working experience in the related field is required for this position.
✔Required Skill(s): Asp.NET, C #, PHP, java, CSS, html, Node++, RESTful, project management, test driven development, continuous integration.
✔Preferably 6 years Experienced Employee specialized in IT/Computer - Software or equivalent.

22/03/2021

Responsibilities:
1. Perform new daily loan boarding tasks associated with all loan sales and transfers to sub-servicer.
2. Reviews loan documentation for accuracy and transmit to sub-servicer
3. Completes validation of loan documentation, reports, and/or systems.
4. Calculate and request escrow funds and initiate wire transfers
5. Identify, document, and submit system changes and corrections
6. Documents missing, incorrect, or incomplete documents and/or data
7. Performs data entry and/or enters loans into the appropriate systems
8. Resolves customer or associate inquiries as necessary and communicates when applicable
9. Prepares, edits, distributes, and/or corrects documents/reports
10. Researches and resolves loan related issues which may include missing payments, disputed accounts history requests and general loan related questions
11. Works under general supervision following established guidelines and procedures
12. Respond timely to email inquiries received from branch networks, department, and customers.
13. Responsible for first payment collection and forwarding associated with loans sold.
14. Responsible for payment processing on interim-serviced loans
15. Assist Director of Loan Servicing with other servicing tasks on an as needed basis.
16- Work on special projects as assigned and provide backup support for all aspects of the department.

Requirements:
• Basic level of work experience, knowledge and training in loan servicing activities and terminology.
• Effective organizational and time management skills
• Basic knowledge of related state and federal banking compliance regulations, and other Bank lending policies governing lending including but not limited to fair lending, privacy, RESPA as well as company operational policies and procedures, and the company’s products and services.
• Basic skills in computer terminal and personal computer operation; mainframe computer system; word processing, spreadsheet and specialty software programs
• Intermediate typing skills to meet production needs of the position
• Basic math skills; calculate interest and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs
• Ability to understand, remember, and apply oral and/or written instructions or other information
• Ability to organize thoughts and ideas into understandable terminology
• Ability to organize and prioritize own work schedule on a short-term and long-term basis
• Ability to understand and follow basic instructions and guidelines
• Ability to complete routine forms, use existing form letters, and/or conduct routine oral communication
• Ability to work with general supervision while performing duties

Work Arrangement
• Fixed night shift
• Fixed 2-days off a week
• Benefits: Night Differential, Life and Accident Insurance, HMO, leave credits convertible to cash, attendance bonus, government-mandated benefits
• Comprehensive trainings to boost your career

04/03/2021

WE ARE HIRING! QC Underwriter (US Mortgage Account)

A Mortgage Underwriter will render a final decision (approval, disapproval, approval with conditions) for mortgage loan applications in a timely, accurate and compliant manner. He/She will review loan applications based on factors such as capacity, credit history, capital, and collateral in compliance with company policy, GSE and investor guidelines, and state and federal law and regulation.

APPLY NOW https://www.jobstreet.com.ph/en/job/10719940?fr=CPP

ESSENTIAL JOB FUNCTIONS

• Underwrite loans for compliance with Fannie Mae, Freddie Mac and investor guidelines.
• Analyze loan documents (credit reports, income documentation, tax returns, assets, appraisal reports, title reports, insurance documents, fraud prevention products, purchase contract, etc) for accuracy and completeness and deliver valid credit decisions.
• Submit loans through an automated underwriting system for a decision.
• Make highly complex loan decisions based on the overall worthiness of the borrower, layering of risk and all program requirements and issue loan approvals, suspensions, counter offers or denials. Must be detailed in loan approval rationale including income and asset calculations clearly noted.
• Identify quality concerns and red flags and validate accuracy of associated risk to the borrower or property/collateral profile.
• Notify appropriate parties of loan decisions with an explanation of any modifications or reasons for denial.
• Conduct timely review and clearing of conditions/stipulations on files returned for review.
• Assist branches with underwriting questions, scenarios and problems.
• Maintain 24 - 48 hour underwriting turnaround for new loans and re-submitals.
• Maintain current level of knowledge on all requirements by consistently researching and reviewing the applicable guidelines, program updates, credit overlays and changes.
• Works with the loan originators and processors to create solutions for problems that arise during processing.
• Responsible for verifying the accuracy of the mortgage loan terms, the loan amount, and product type before sending to the closing.
• Responsible for submitting loan packages to MI companies for approval
• Provide timely and thorough responses to prefunding audits and investor.
• Perform other duties as assigned

FUNCTIONAL JOB COMPETENCIES

• Thorough understanding of mortgage credit processing and underwriting
• Strong credit, risk analysis and analytical skills to analyze complex mortgage documentation
• Complete knowledge of loan documents and US Mortgage terminologies, FHLMC and FNMA guidelines, and State and Federal agency policies and procedures
• Proficient in navigating various LOS software and systems
• Responsive to time constraints
• Ability to communicate effectively in person, over the telephone and through written correspondence

ACCOUNTABILITY

• Responsible for the accurate presentation, analysis, and underwriting of residential mortgage loans within targeted time frames
• Responsible for meeting service commitments for approving and closing mortgage loans
• Accountable for all mortgage lending decisions and proper documentation of loans
• Accountable for Performance Management Goals as agreed upon with Supervisor.
EDUCATION / EXPERIENCE REQUIREMENTS
• At least 3 years of US Mortgage underwriting experience is required
• Graduate of a 4-year college or university with major course work in a discipline related to the requirements of the position is a plus. (Will consider the equivalent combination of job experience & education that demonstrates the ability to perform the essential functions of this job.)
• Must work effectively in a fast pace environment with low tolerance for error.
• Able to handle a great variety of tasks and responsibilities simultaneously

WORK ARRANGEMENT

• Fixed night shift
• Fixed 2-days off a week
• Benefits: Night Differential, Life and Accident Insurance, HMO, leave credits convertible to cash, attendance bonus, government-mandated benefits
• Comprehensive trainings to boost your career

04/03/2021

WE ARE LOOKING FOR A LOAN SERVICING SPECIALIST.

Responsibilities:
1. Perform new daily loan boarding tasks associated with all loan sales and transfers to sub-servicer.
2. Reviews loan documentation for accuracy and transmit to sub-servicer
3. Completes validation of loan documentation, reports, and/or systems.
4. Calculate and request escrow funds and initiate wire transfers
5. Identify, document, and submit system changes and corrections
6. Documents missing, incorrect, or incomplete documents and/or data
7. Performs data entry and/or enters loans into the appropriate systems
8. Resolves customer or associate inquiries as necessary and communicates when applicable
9. Prepares, edits, distributes, and/or corrects documents/reports
10. Researches and resolves loan related issues which may include missing payments, disputed accounts history requests and general loan related questions
11. Works under general supervision following established guidelines and procedures
12. Respond timely to email inquiries received from branch networks, department, and customers.
13. Responsible for first payment collection and forwarding associated with loans sold.
14. Responsible for payment processing on interim-serviced loans
15. Assist Director of Loan Servicing with other servicing tasks on an as needed basis.
16- Work on special projects as assigned and provide backup support for all aspects of the department.

Requirements:
• Basic level of work experience, knowledge and training in loan servicing activities and terminology.
• Effective organizational and time management skills
• Basic knowledge of related state and federal banking compliance regulations, and other Bank lending policies governing lending including but not limited to fair lending, privacy, RESPA as well as company operational policies and procedures, and the company’s products and services.
• Basic skills in computer terminal and personal computer operation; mainframe computer system; word processing, spreadsheet and specialty software programs
• Intermediate typing skills to meet production needs of the position
• Basic math skills; calculate interest and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs
• Ability to understand, remember, and apply oral and/or written instructions or other information
• Ability to organize thoughts and ideas into understandable terminology
• Ability to organize and prioritize own work schedule on a short-term and long-term basis
• Ability to understand and follow basic instructions and guidelines
• Ability to complete routine forms, use existing form letters, and/or conduct routine oral communication
• Ability to work with general supervision while performing duties

Work Arrangement
• Fixed night shift
• Fixed 2-days off a week
• Benefits: Night Differential, Life and Accident Insurance, HMO, leave credits convertible to cash, attendance bonus, government-mandated benefits
• Comprehensive trainings to boost your career

04/03/2021

WE ARE LOOKING FOR AN HR OFFICER

Job Description:

• Support the PH and US offices in terms of HR and administrative tasks
• Maintain employee records
• Update HR databases
• Assist in timekeeping for payroll preparation
• Prepare paperwork for HR policies and procedures
• Process employees’ requests and provide relevant information
• Collaborate with the HR officer to post job ads on careers pages and process incoming resumes
• Prepare reports and presentations for internal communications
• Provide orientations for new employees by sharing onboarding packages and explaining company policies
• Provide support in the system administration (account creation, password administration etc)

Requirements:
• Relevant work experience of at least 2 years
• Ability to effectively use computer software including Microsoft Office
• Knowledge of HR software (HRIS platforms)
• Strong phone, email and in-person communication skills
• Familiarity with labor laws
• Excellent organizational and time-management skills
• Act as a reliable and supportive team member
• BS in human resources, psychology or similar relevant field
• Excellent communications and interpersonal skills
• Data-driven mindset
• Experience with recruitment marketing

Work Arrangement
• Fixed night shift
• Fixed 2-days off a week
• Benefits: Night Differential, Life and Accident Insurance, HMO, leave credits convertible to cash, attendance bonus, government-mandated benefits
• Comprehensive trainings to boost your career

11/02/2021

Job Description:

• Support the PH and US offices in terms of HR and administrative tasks
• Maintain employee records
• Update HR databases
• Assist in timekeeping for payroll preparation
• Prepare paperwork for HR policies and procedures
• Process employees’ requests and provide relevant information
• Collaborate with the HR officer to post job ads on careers pages and process incoming resumes
• Prepare reports and presentations for internal communications
• Provide orientations for new employees by sharing onboarding packages and explaining company policies
• Provide support in the system administration (account creation, password administration etc)

Requirements:
• Relevant work experience of at least 2 years
• Ability to effectively use computer software including Microsoft Office
• Knowledge of HR software (HRIS platforms)
• Strong phone, email and in-person communication skills
• Familiarity with labor laws
• Excellent organizational and time-management skills
• Act as a reliable and supportive team member
• BS in human resources, psychology or similar relevant field
• Excellent communications and interpersonal skills
• Data-driven mindset
• Experience with recruitment marketing

Work Arrangement
• Fixed night shift
• Fixed 2-days off a week
• Benefits: Night Differential, Life and Accident Insurance, HMO, leave credits convertible to cash, attendance bonus, government-mandated benefits
• Comprehensive trainings to boost your career

11/02/2021

Calling all those who have US MORTGAGE experience! Several open positions are available!

SETUP, BACK OFFICE, AND DISCLOSURES
• Identify and categorized loan documents.
• Notify the MLO or Processor if documentation is incomplete or missing.
• Set-up loan files with accuracy in the LOS and submit the loan to processing.
• Run verifications as required
• Respond to queries
• Manage pipeline and process loans on time
• Prepare loan estimate and issue disclosures on time

QUALITY CONTROL
• Will work on fraud audit detection, junior underwriting, review appraisal and title documents
• Review loan file for fraud, identify red flags and ensure risk factors are addressed accordingly
• Review income, asset, and other credit documents
• Review AUS findings and make sure requirements are met
• Ensure loan file met program requirements
• Recommends fraudulent file be denied funding
• Review loan documents (credit reports, income documentation, tax returns, assets, appraisal reports, title reports, insurance documents, fraud prevention products, purchase contract, etc) for accuracy and completeness.
• Be able to interpret AUS findings and transmittal summary
• Knowledgeable on closing disclosures and can interpret settlement statement.
• Make recommendations based on the overall worthiness of the borrower, layering of risk and all program requirements
• Calculate qualifying income and determine verifiable assets for closing cost & reserves.
• Identify quality concerns and red flags and validate accuracy of associated risk to the borrower or property/collateral profile.
• Maintain current level of knowledge on all requirements by consistently researching and reviewing the applicable guidelines, program updates, credit overlays and changes.
• Responsible for verifying the accuracy of the mortgage loan terms, the loan amount, and product type before sending to the closing.

DOC DRAWING
• Draw accurate loan documents using the terms and conditions as specified on the Underwriting Approval and in accordance with specific product and document requirements.
• Review and verify lock information and final payment sheet for accuracy of data.
• Run compliance tests to ensure loan passes all appropriate regulations.
• Review loan for compliance with RESPA, RESPA tolerances, TILA and MDIA.
• Review prepared documents for accuracy prior to documents being forwarded to title/escrow or branch location for member signatures.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including BSA, RESPA, TILA and AML laws appropriate to the position.

LOAN DELIVERY
• Completes LQA, Early Check and/or Investor specific audits prior to loan sale.
• Prepares and delivers loan files to Secondary Market Investors and GSE’s.
• Coordinates the release of collateral files to Secondary Market Investors and GSE’s.
• Communicates with the Servicing department regarding the boarding of loans.
• Reviews and responds to investor inquiries related to delivery issues and/or suspense conditions.
• Provides suspense reports to branch offices and directly follows up with branch staff to ensure timely resolution of suspense conditions.
• Monitors pipeline for upcoming expiring commitments.
• Prepare & send out post-consummation CD
• Interacts internally with various departments.
• Maintains executive data and ad hoc reports as required.

DISCLOSURES COMPLIANCE
• Audit loan disclosures to cover all aspects of compliance-related regulations governed by applicable federal and state consumer protection laws.
• Determines if loans were properly disclosed at multiple stages of the loan.
• Manages pipeline of each day to meet production and quality metrics.
• Documents findings to provide an accurate and detailed picture of the loan defect.
• Writes clear, concise and accurate loan defects and the possible cure.
• Maintains knowledge of all regulations governed by applicable federal and state protection laws.
• Performs other duties as assigned.

Requirements:
• Graduate of a 4-year college or university with major course work in a discipline related to the requirements of the position is a plus. (Will consider the equivalent combination of job experience & education that demonstrates the ability to perform the essential functions of this job.)
• At least 1 year of working experience in US Mortgage is preferred
• Experience in mortgage underwriting is an advantage
• With related work experience in banking/finance are welcome to apply
• Fresh graduate with a very good analytical and judgment skills may apply
• Excellent communication (verbal and oral) skills is required
• Must work effectively in a fast pace environment with low tolerance for error.
• Able to handle a great variety of tasks and responsibilities simultaneously

Work Arrangement
• Temporary Work from Home arrangement
• Fixed night shift
• Fixed 2-days off a week
• Competitive Compensation & Benefits

Address

1001, 10/F Summit One Tower, Shaw Boulevard
Mandaluyong

Opening Hours

Tuesday 12am - 9am
Wednesday 12am - 9am
Thursday 12am - 9am
Friday 12am - 9am
Saturday 12am - 9am

Telephone

+6325107776

Website

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