Senior Mortgage Loan Processor

| Seattle
About Assurance 
 At Assurance, our mission is to deliver the most comprehensive health and financial wellness tool to every consumer at no cost. We are disrupting the antiquated and inefficient world of insurance and financial services. Our team of world-class software engineers, data scientists, and business professionals are modernizing how people obtain and manage their financial life all through our powerful platform ecosystem. We are rapidly growing as we expand our product offerings and global footprint, and this growth continues to present new and exciting challenges as we push our industry into its future. We eliminate waste throughout the industry and calculate the complex into simple, valuable solutions to improve people's lives. We are humble, driven, and committed to improving the lives of millions. 
 
About the Position 
The Senior Mortgage Loan Processor's responsibility is to enable Assurance to run a smooth, profitable, and risk-free mortgage lead generation and broker operation. The role assists in the preparation of new mortgage and financial services related to license applications and see applications through to completion. This role is responsible for enforcing regulatory compliance to mitigate any potential regulatory or operational risks. The Operations Manager will serve as the primary point of contact for Customer, State, or other Regulatory Complaints and work all complaints through resolution. 

What you will do:

  • Facilitate state license application submission via the Nationwide Multi-State Licensing System (NMLS) including requesting supporting documentation.
  • Maintain records, compiles information, and submits the necessary forms to various state licensing agencies in order to renew licenses. 
  • Develops, administers, and maintains a comprehensive compliance program with guidance from a third-party consultant. 
  • Responsible for ensuring all required internal and regulatory reporting is conducted in a timely, accurate, and compliant manner. 
  • Responsible (with additional guidance) for ensuring that the company is in compliance with laws and regulations on both a federal and state level, especially related to consumer protection issues. 
  • Advises management of emerging compliance issues and provide guidance to the business units in the establishment of controls to mitigate risks. 

To be successful in this role, you must possess the following:

  • Strong knowledge of federal and state residential lending and loan brokering laws and licensing requirements, and working knowledge of laws governing the mortgage and broader Personal Finance space. 
  • 3 years’ work experience in the residential mortgage industry, compliance and/or risk-management related fields a plus Proficiency in the use of the Nationwide Mortgage Licensing System (NMLS).
  • NMLS License required.
  • Experience submitting mortgage loan applications, order rate locks, credit reports, and appraisals, review borrower’s financial documents, and submit loans for underwriting review. 
  • Knowledge of federal and state mortgage and lending laws, including but not limited to, RESPA and FCRA. Understanding of the SAFE Act and state-specific licensing requirements. 
  • Residence within 50 miles or 1 hour of the corporate/main office
  • National SAFE Act Education (20 completed)
  • National SAFE Act Exam Passed
  • 3 years out the last 5 years of MLO experience (licensed as an MLO)
  • Clean credit report – no delinquencies or tax liens – Credit Score Minimum of 600
  • No Criminal Background issues
  • Current child support (if applicable)
  • High School Diploma
  • W-2’s and Tax returns – 2 years
  • New licensing in additional states may be necessary. (Utah = 40 additional hours of education, exam + pipeline report – 45 closed loans in last 2 years for the PLM position)

What Assurance Offers
 
At Assurance, we strive for audacious goals, and we’re relentless in our pursuit to be the very best we can be, personally and professionally. Our benefits program is intended to enable every Assurance employee to be the best version of themselves. Our culture clears the way for you to challenge yourself and achieve the impossible. Learn more about life at Assurance! 
 
Our Culture 
Trust and Autonomy 
At Assurance, we hire experts in their field, and we give them the independence and trust to build based on their expertise. We find that brilliant people, given this freedom and trust, will collaborate to build far more amazing things than they could ever be directed to create.
Drive to Innovate 
We don't settle for the status quo – we're a team of innovators who believe that there’s almost always a better way. We operate on first principles – we challenge commonly held assumptions to create new and better solutions from scratch. In our short history we’ve made a lot progress with this mentality, launching new business lines and innovative products constantly. Following our historic acquisition by Prudential, we have more support than ever to innovate and change the world of insurance and financial services. 
Humble Collaboration 
We leave ego at the door and work together to uncover the truth. We prioritize what is best for the whole and avoid focusing on what is best for the individual. We all care about achieving goals more than looking good, and we're eager to constantly be learning from each other.
 
 
Our Benefits 
Flexible Working Environment 
Your schedule and working hours are up to you at Assurance. We care more about results than when and where you get your work done, and we find that a flexible schedule can help alleviate the stress of a rigid work-life balance.
Unlimited Time Off 
We work hard, so it’s important that we take time to refresh and reset when we need it. We empower our employees to take the time that make sense for them. 
Nutritional Snacks and Weekly Lunches 
We encourage a healthy lifestyle for employees in all ways that we can, and we don’t want it to be tough to find sustenance when you’re hard at work! We provide healthy, nutritional snacks throughout our office, and outstanding local coffee. We also host a weekly lunch, featuring top local restaurants, to accompany our all-company meeting.
Commuter Benefits 
We want to make sure it’s easy for you to get to and from work, so we a provide free public transportation or greatly subsidized parking close to our office.
Inspiring Offices 
From the beginning, our founders believed that beautiful, open, inspiring spaces lead to energy and creativity. We seek beautiful office spaces in all of our locations, and in 2020 we’ll be taking occupancy of a stunning new office on the top two floors of Madison Center in downtown Seattle – this space features floor to ceiling windows with stunning 360 degree views of the Puget Sound, and an exclusive private rooftop deck. 
Competitive Health Benefits 
Access to high quality healthcare is core to our business, and we care that our employees don’t have to worry about visiting a doctor. All employees receive competitive health, dental, and vision benefits packages.
Choice of High-End Equipment 
We want to make sure you’re empowered to create amazing things. We give new employees the option of a variety of high-end computers and accessories.
Investment Opportunities 
We believe in the importance of investing in yourself in a variety of ways, including financially. We offer a strong 401k plan, with options to invest in traditional, Roth, and after-tax options, all backed by a best-in-class platform from Prudential. 

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Technology we use

  • Engineering
  • Product
  • Sales & Marketing
    • JavascriptLanguages
    • PythonLanguages
    • RubyLanguages
    • SqlLanguages
    • jQueryLibraries
    • ReactLibraries
    • AngularJSFrameworks
    • ASP.NETFrameworks
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    • Ruby on RailsFrameworks
    • SpringFrameworks
    • DB2Databases
    • PostgreSQLDatabases
    • Google AnalyticsAnalytics
    • ConfluenceManagement
    • JIRAManagement
    • TrelloManagement
    • SalesforceCRM

Location

We're located in the heart of downtown Seattle at the corner of 5th and Madison, conveniently between Westlake Center and Pioneer Square.

An Insider's view of Assurance

What’s the vibe like in the office?

“We're all so friendly and open to working and collaborating. We care for each other's work and personal health so that we can all be strong and grow together. No teammate gets left behind.”

Adrienne

Partner Marketing Specialist

What does your typical day look like?

“If I write code in the morning it often goes out on the same day, impacting thousands of customers and often having a noticeable change on our 'mission control' style dashboards throughout the office.”

Alex

Senior Software Engineer

What makes someone successful on your team?

“Everybody is very smart but not arrogant. In the data team, especially, everybody puts the team first over themselves - there are no egos. It is always about making things better for the team and the business.”

Callum

Director of Data Engineering

How do your team's ideas influence the company's direction?

We are calculated decision-makers. Every idea is a potential experiment waiting to be tested. We drive the business forward by rapidly iterating on several ideas leveraging the data to tell us which direction we should take next.

Megan

Principal Data Scientist

What are Assurance Perks + Benefits

Culture
Volunteer in local community
Friends outside of work
Eat lunch together
Daily stand up
Team based strategic planning
Group brainstorming sessions
Open office floor plan
Health Insurance & Wellness Benefits
Dental Benefits
Vision Benefits
Health Insurance Benefits
Life Insurance
Retirement & Stock Options Benefits
401(K)
Company Equity
Performance Bonus
Child Care & Parental Leave Benefits
Generous Parental Leave
Flexible Work Schedule
Assurance provides flexible start and end times for our employees
Remote Work Program
Company sponsored family events
Vacation & Time Off Benefits
Unlimited Vacation Policy
Paid Holidays
Perks & Discounts
Beer on Tap
Casual Dress
Commuter Benefits
Company Outings
Some Meals Provided
Happy Hours
Happy hours are hosted Once per week.
Parking
We offer employees A parking subsidy.
Relocation Assistance
Professional Development Benefits
Job Training & Conferences
Lunch and learns
Cross functional training encouraged
Promote from within
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