http://cfgcareers.com/glen-allen-jobs en
The Ops Assistant Manager - Quality Support manages the day-to-day activities of a Quality Support Team responsible for evaluating collections and other debt management related calls, files, and processes. Under management guidance, may assist in the preparation of business plans and goal setting for the unit. Analyzes and prepares reports for management on team goal achievement. Researches and resolves routine operational issues. Responsible for providing input on Performance Evaluations, Salary/merit Recommendations, Disciplinary Action, Hiring Decisions, and reward and recognition of employees under supervision. Motivate, incent, and reward desired behaviors by providing feedback and utilizing available reward and recognition programs.

Leadership Accountabilities:


Business Management & Planning: Implement and deliver the business plans and targets. Plan, allocate and organize team resources to meet the business plan.

Process/Continuous Improvement: Identify and respond to ideas for process improvement from team members and facilitate and undertake capitalized continuous improvement activities. May include project participation.

Customer Service: Be a role model to drive a customer service values and effective management of customer concerns and issue resolution. To set expectations of customer service excellence delivery and ensure all department SLAs are met and/or exceeded.

Risk Management: Identify and manage the risk, minimizing the outcome and escalating where appropriate.

Stakeholder Management: Develop and maintain effective working relationships. Partner with other department and / or divisions with common goals.

Managing Change: Proactively identify opportunities for change which will add value to the achievement of business objectives and enhance the customer experience. Be flexible to react and/or implement change initiatives.

Team Leadership: Develop, plan, and implement activities that will enable a highly motivated and highly performing team to deliver team objectives.

Recruitment & Induction: Identify hiring needs and make hiring decisions. Manage the new hire orientation process for new team members.

Team Development: Create, plan and implement activities that will support the development of team members.

Performance Management: Ensure team meets agreed service levels, Coach and develop staff, Review and follow-up with each individuals performance to ensure they meet their specific objectives and that they have the right knowledge, skills and behaviors. Ensures that direct reports have clear objectives and targets linked to business objectives and appropriate behaviors ("what" is expected and "how" they are expected to achieve objectives).

Qualifications

Solid customer service orientation and proficient product knowledge.


Solid problem solving skills


Solid organization skills


Solid ability to multi-task and to function efficiently in a high volume, fast paced deadline oriented environment.


Solid knowledge MS Excel


Solid knowledge PowerPoint/Visio


Solid knowledge of MS Word


Solid time management skills


Solid written and verbal skills


Solid interpersonal skills


Solid project management skills


Solid PC Skills


Supervisory experience


Ability to support others through development and coaching


Strong understanding of the compliance/regulatory environment


Associate Degree required


4 + years Operations experience, 3+ years supervising people, managing workflow process.

Hours and Work Schedule

Hours per Week: 40


Work Schedule: Monday-Friday 8:00AM-5:00PM

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
386627]]> Thu, 17 May 2012 16:00:00 GMT 2441302-Richmond-Operations
The Ops Manager I manages the day-to-day activities of a business unit. Under management guidance, assists in the preparation of business plans, budget, and goal setting for the unit. Analyzes and prepares reports for management on departmental goal achievement. Researches and resolves complex operational issues. Responsible for identifying training needs and delivering appropriate training to staff. Responsible for recruiting and hiring decisions, performance reviews, and reward and recognition of employees under supervision. Performs other related duties as required. May be responsible for meeting department budget. Motivate, incent, and reward desired behaviors by providing feedback and utilizing available reward and recognition programs.

Leadership Accountabilities: Business Management & Planning: Implement and deliver the business plans and targets. Plan, allocate and organize team resources to meet the business plan. Process/Continuous Improvement: Identify and respond to ideas for process improvement from team members and facilitate and undertake capitalized continuous improvement activities. May include project participation.

Customer Service: Be a role model to drive a customer service values and effective management of customer concerns and issue resolution. To set expectations of customer service excellence delivery and ensure all department SLAs are met and/or exceeded.

Risk Management: Identify and manage the risk, minimizing the outcome and escalating where appropriate. Stakeholder Management: Develop and maintain effective working relationships. Partner with other department and / or divisions with common goals.

Managing Change: Proactively identify opportunities for change which will add value to the achievement of business objectives and enhance the customer experience. Be flexible to react and/or implement change initiatives.

Team Leadership: Develop, plan, and implement activities that will enable a highly motivated and highly performing team to deliver team objectives.

Recruitment & Induction: Identify hiring needs and make hiring decisions. Manage the new hire orientation process for new team members.

Performance Management: Ensure team meets agreed service levels , Coach and develop staff, Review and follow-up with each individuals performance to ensure they meet their specific objectives and that they have the right knowledge, skills and behaviors. Ensures that direct reports have clear objectives and targets linked to business objectives and appropriate behaviors ("what" is expected and "how" they are expected to achieve objectives).

Team Development: Create, plan and implement activities that will support the development of team members.

Qualifications

Solid customer service orientation and proficient product knowledge.


Solid problem solving skills


Solid organization skills


Solid ability to multi-task and to function efficiently in a high volume, fast paced deadline oriented environment.


Solid knowledge MS Excel


Solid knowledge PowerPoint/Visio


Solid knowledge of MS Word


Solid time management skills


Solid written and verbal skills


Solid interpersonal skills


Solid project management skills


Solid PC Skills


Supervisory experience


Ability to support others through development and coaching


Strong understanding of the compliance/regulatory environment


Bachelor Degree required


5 + years Operations experience with 4+ years supervisory experience.

Hours and Work Schedule

Hours per Week: 40


Work Schedule: Monday-Friday 8:00AM-5:00PM

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
386639]]> Thu, 17 May 2012 16:00:00 GMT 2441297-Richmond-Operations
The Ops Associate II performs advanced clerical operations tasks that are routine and/or repetitive in nature in a fast paced environment. Performs high volume, time-sensitive routine and repetitive tasks requiring intermediate research and problem solving skills in a fast paced environment. Ensures department SLAs are met within risk and compliance, quality control standards. May provide monitoring and oversight of production and workflow of the group. Ensures work adheres to regulations and ensures compliance to departmental policies, risk avoidance standards and SLAs.

Will perform repetitive daily production activities and processes related clerical work. Researches routine customer, brand, or bank inquiries as appropriate. Determines the source of problems and works to resolve them accurately and within quality control and service level agreement requirements. May assume additional responsibilities as requested by management. May include reporting responsibilities which may entail creating, monitoring and analyzing. Provides training and/or feedback for new and existing staff members.

Provide technical support to the management team and department colleagues on business specific systems and/or processing issues. May require multi-tasking and cross training within the department. Must possess ability to work efficiently in a high volume, fast paced, deadline oriented environment. May assume department administrative duties as required. May interface with other departments on projects or initiatives. Requires multi-tasking and ability to provide backup support in all aspects to staff.

Qualifications

Strong problem solving skills and analytical skills


Basic math skills


Solid compliance/regulatory environment knowledge/skills


Ability to multi-task and sound organizational skills


Solid ability to communicate effectively verbally and written


Excellent customer service skills


Strong product knowledge


Basic mainframe experience


Good knowledge of MS Word


Good knowledge of MS Excel & Outlook


Solid knowledge of department computer applications and systems.


Strong PC skills.


High School or Equivalent required, Associate Degree preferred


2 – 3 years Operations experience, Experience working in an operations environment preferably financial institution.

Hours and Work Schedule

Hours per Week: 40


Work Schedule: Monday-Friday 8:00AM-5:00PM

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
386634]]> Thu, 17 May 2012 16:00:00 GMT 2441296-Richmond-Operations
The Ops Senior Associate role provides oversight and monitoring of the workflow of a group. This role performs advanced clerical operations tasks that are routine and/or repetitive in nature in a fast paced environment. The position requires the application of various complex methods, procedures and knowledge of the business unit’s product(s) and application(s). The position requires routine decision making without consulting supervisor and the ability to prioritize.


The Ops Senior Associate ensures work adheres to regulations and ensures compliance to departmental policies, risk avoidance standards and SLAs. The completion of multiple daily functions in an accurate and timely fashion, using advanced analytical skills is required. The incumbent may work independently on special projects often interacting with all levels of management, serving as a resource of the business unit. The incumbent is capable of solving problems in assigned areas. May serve as point person to more junior team members. Research routine customer, brand, or bank inquiries as appropriate.


Will determine the source of problems and work to resolve them accurately and within quality control and service level agreement requirements. The incumbent is expected to utilize knowledge of regulatory and compliance requirements to help minimize financial risk to the bank and detailed knowledge of multiple systems to solve problems. May provide customer service for internal and/or external customers. Performs other such duties as assigned.


May include reporting responsibilities which may entail creating, monitoring and analyzing. May assume department administrative duties as required. May interface with other departments on projects or initiatives. Provides training and/or feedback for new and existing staff members. May require multi-tasking and cross training within the department. Provide technical support to the management team and department colleagues on business specific systems and/or processing issues. The incumbent must possess ability to work efficiently in a high volume, fast paced, deadline oriented environment.

Qualifications

Advanced problem solving skills and analytical skills


Strong math skills


Strong compliance/regulatory environment knowledge/skills


Strong ability to multi-task & strong organizational skills


Strong ability to communicate effectively verbally and written with all levels of colleagues


Excellent customer service skills


Strong product knowledge


Advanced department specific system functionalities and specific mainframes


Solid knowledge of MS Word


Solid knowledge of MS Excel & Outlook


Advanced knowledge of department computer applications and systems.


Strong PC skills.


High School or Equivalent required, Associate Degree preferred


2 - 3 years Operations experience, experience working in an operations environment preferably financial institution.
Construction disbursement processing a plus.

Hours and Work Schedule

Hours per Week: 40


Work Schedule: Monday-Friday 8:30AM-5:30PM

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
386580]]> Tue, 15 May 2012 16:00:00 GMT 2437210-Richmond-Operations
Responsible for documentation and systems review of closed loan files to ensure the loan documentation is in compliance with Investor requirements inclusive of various Bond Agencies and FHA/VA insuring guidelines.  Complete steps required to ensure prompt loan file review and delivery to all investors.  Prepare binder/files to investors.  Remit initial government premiums to HUD and VA.  Process steps required to insure FHA/VA loans on-line for loan insuring purposes.  Correspond with the Settlement Agents to obtain outstanding closing documents.  Handles and assists with clearing of investor requirements and requests; prevent or resolves issues as they arise.
 

Qualifications

FHA/VA/Conventional Mortgage requirements

Investor guidelines

Office procedures

Effective verbal, written, and interpersonal communication skills

Data Entry

Math Aptitude

10 Key Calculator

Attention to Detail

Accuracy

Strong spelling, grammar, and proofing skills

Works effectively under deadline pressure

Flexibility

Ability to learn and retain procedural information

Ability to work overtime as needed, including weekends

High School degree or equivalent plus additional coursework in business finance or mortgage banking

Additional work experience may be considered in lieu of coursework

Minimum 2 year experience in mortgage banking environment

 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
386268]]> Thu, 10 May 2012 16:00:00 GMT 2424897-Richmond-Lending
The Ops Documentation Specialist I, as a subject matter expert, the incumbent will support the business lines by working in tandem with colleagues at all levels to gather information and document processes and workflows according to internal/external policies and regulations. The colleague may develop and produce colleague communications for systems/operational issues and project implementation. Coordinate new hire and annual training as applicable. Maintain functional procedures and workflows to address cross-functional training requirements, and regulatory requirements to ensure a satisfactory audit.

Consult with process owners, subject matter experts and mangers to document new processes to update procedures and workflows based on changes to process or policy, regulatory or audit requirements. Submit drafts and revisions to subject matter experts or process owners for review and maintain documentation of approvals, writes and edits as required. Maintain current list of unit procedures, manage update requests and prioritize with outstanding assignments. Complete the annual procedure and workflow review as required by Group policy. Report progress to management as required.

Participation in meetings with internal and external colleagues to identify process improvements & efficiencies. Coordinates Group Training requirements to address new business processes, regulatory and compliance training: Maintain accurate reporting for training dates, attendees, scores by tracking the training topic, date of deployment, origin and completion date for Compliance Coach, Regulatory U, Banker’s Edge and internal training requirements. Conduct training needs assessments for new and existing colleagues. Escalate training participation and delinquency as appropriate.

Manages the communications workflow using internal resources as applicable. Prepare the business unit’s communications through interaction with various levels of management, review options and materials, including electronic or print, including, but not limited to: Job aids & work guides, Assists manager in seeking communication opportunities and gathers feedback on communication effectiveness, Customer contact, i.e. letters, Front-end phone messaging, Recommends for branch, internal or external communications, Incumbent may serve on department project teams, LEAN initiatives and or unit level projects or assignments.

Qualifications

Demonstrated strong written and oral communication skills


Expert knowledge of operational processes


Flexibility to work on multiple tasks and deadlines


Demonstrated organization, analytical and prioritizations skills


Experience with Microsoft Office Suite (i.e. Word, Excel, Outlook)


The position may require domestic travel


High School or Equivalent required, Associate Degree preferred in Journalism, Communication, English, Elementary/Secondary Education or proven work experience


Other Education or Training in Quality management or related experience preferred, and project related work experience preferred


2 – 4 years experience in Communications writing and development experience, Combination of communications, writing and work experience, knowledge of bank or financial institutions preferred.

Hours and Work Schedule

Hours per Week: 40


Work Schedule: Monday-Friday 8:00AM-5:00PM

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
386343]]> Thu, 10 May 2012 16:00:00 GMT 2425039-Richmond-Corporate
The role holder will lead the relationship and engagement of Mortgage Servicing with the Business Lines, managing the relationship to add value in pursuit of its business and strategic objectives, and support overall Group success.

Specifically the role holder will:

• Act as the primary interface with HLS and manage the relationship to add value.


• Coordinate with HLS to ensure delivery of required resources and results from dependant projects.


• Drive all projects that are directly owned by Mortgage Servicing that deliver cross-divisional infrastructure.


• Work closely with HLS to agree service delivery standards, understand issues and create a joined up approach to resolving, with the goal of maximizing service assurance.


• Challenge accepted thinking, lead strategy development for Mortgage Servicing and strategic design for all systems and business processes, define the architecture and then develop the road maps for implementation.

Key Accountabilities
• Leadership for design and delivery of Mortgage Servicing strategic change program.
• The role-holder will oversee an investment spend with the realization of benefits post implementation.


• Develop and direct an effective, motivated and business results oriented team.


• Effective management of senior group stakeholders and cross divisional work stream sponsors.


• Drive the Mortgage Servicing strategic budget. Identify levers and opportunities to align costs more closely to differentiated service offerings.


• Drive cross divisional change by ensuring future delivery capabilities align with requirements.


• Manage the overall relationship with HLS from a Business Services partnership perspective. Define and agree SLAs and monitor performance.


• Responsible for ensuring that services delivered by Mortgage Servicing are reflective of the business requirement and that the cost profile is closely managed.

Business Delivery

• Ensure implementation and coordination of initiatives to drive forward the business, working in partnership with key areas of Business Services


• Ensure an appropriate operational infrastructure exists to provide an excellent customer experience including appropriate SLAs with key service providers.


• Ensure the quality of service and delivery supports the sales and products plans.
• Liaison with GSE to ensure all Mortgage Servicing elements including Investor Reporting and Investor Accounting are aligned with GSE requirements.
• Drive a robust vendor management program with all Mortgage Servicing partners to ensure vendors are managed within the group policy framework.
Business Continuity and Incident Management

• Ensure fit for purpose, regularly tested Business Continuity plans and that these link effectively into other business areas.


• Be the primary Business representative in relevant incidents impacting Mortgage Servicing.

Risk Management

• Ensure there is an appropriate framework to identify all risk and there are effective systems and controls in place.


• Develop and implement policies, procedures and standards which ensure compliance with all current regulatory and legal obligations


• Ensure appropriate reporting is in place on risk exposures and controls.

Financial Performance

• Manage associated budgets within set limits and report on performance and exceptions to targets in accordance with RBS Group financial governance and controls procedures.


• Ensure effective and appropriate financial performance and controls are established.

People Management

• Comply with Citizens HR policies for performance management through the use of objectives, competencies, development plans for all staff, including regular reviews through the year.


• Lead talent and succession management across the function.

Qualifications

Bachelors Degree, Required

Master's Degree, Preferred

Lean, Six Sigma Experience, Desirable

Skills/Competencies



Superior mortgage servicing knowledge including boarding, file/custodial management, escrow administration, taxes/insurance monitoring, lien release, account maintenance, cashiering, construction loan servicing, customer service and interaction with back office default management

Ability to make sound decisions and implement actions

Superior coaching abilities – takes responsibilities for coaching people to drive performance improvement and personal development

Superior customer service orientation, advanced customer experience analytical ability and proficient mortgage product knowledge

Superior ability to multi-task and to function efficiently in a high volume, fast paced deadline oriented environment

Working knowledge of MSP and FileNet preferred

Solid knowledge MS Excel, Word, PowerPoint, Visio

Superior time management and organizational skills

Superior written and verbal skills

Strong project management skills and knowledge of basic project management methodology

Proven experience of successfully delivering services through leading people

Working knowledge of process improvement techniques and methods

General knowledge of mortgage early default

Advanced knowledge of corporate policy, laws and regulatory requirements of a top mortgage servicer

Work Experience



Mortgage Servicing Operations, 10+ Years.

Senior level and/or Progressive Management positions, 5+ Years.

Mortgage Default, 1-5+ Years


Hours and Work Schedule

Hours per Week: 40


Work Schedule: Monday-Friday 8:00AM-5:00PM

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
386289]]> Tue, 08 May 2012 16:00:00 GMT 2424974-Richmond-Operations
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally. We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

The Summer Intern will be a member of the Debt Management, Mortgage & Fraud Operations Group. The intern will work on a variety of projects with the mortgage operations group. Intern will be given opportunity to manage and support critical operational departments. Will be responsible to:



Lead center operations to include phone and file processing

Lead a team of colleagues in an effort to identify and implement operational improvements

Identify efficiencies through colleague coaching and development

Identify and implement customer experience improvement opportunities

Develop a complaints management program in order to reduce customer dissatisfiers

Identify opportunities to improve Investor Scorecards through operational improvements

Position requires the ability to prioritize and work independently and provides a great opportunity for professional development. Candidate must be able to work efficiently in a high volume, fast paced, deadline oriented environment.

Qualifications

Rising senior undergraduate or graduate student pursuing Bachelors or Masters Degree in Business or Quantitative field (i.e. Engineering, Mathematics, Finance, Economics, Statistics etc.) with a minimum GPA of 3.0

Preferred Qualifications:


1-2 Years Experience in Microsoft Office


1 Year Professional Work Experience

Hours and Work Schedule

Hours per Week: 40


Work Schedule: Monday-Friday 8:00AM-5:00PM

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
386330]]> Mon, 07 May 2012 16:00:00 GMT 2425004-Richmond-Administration
As an employee of Citizens Financial Group, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Financial Group is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally. We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

The Summer Intern will be a member of the Debt Management, Mortgage & Fraud Operations Group. The intern will work on a variety of projects with the Strategy & Analytics group. Work will include responding to audit and investor data requests, process improvement projects, identifying and evaluating opportunities to improve collections and recoveries performance on several consumer loan portfolios. Position requires the ability to prioritize and work independently and provides a great opportunity for professional development. Candidate must be able to work efficiently in a high volume, fast paced, deadline oriented environment.

• Understand project/reporting specifications


• Develop and automate standard and ad hoc reporting


• Pull and manipulate data for use in monitoring and decision making


• Document procedures for creating reports


• Support Operations as needed

Qualifications

Rising senior undergraduate or graduate student pursuing Bachelors or Masters Degree in Quantitative field (i.e. Engineering, Mathematics, Business, Economics, Statistics etc.) with a minimum GPA of 3.0

Preferred Qualifications:


1-2 Years Experience in Microsoft Office


1 Year Experience in SAS, SQL

Hours and Work Schedule

Hours per Week: 40


Work Schedule: Monday-Friday 8:30AM-5:00PM

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
386227]]> Mon, 07 May 2012 16:00:00 GMT 2424973-Richmond-Administration
The incumbent reviews and prepares closing packages for equity and mortgage products, contacts branches and settlement agents to obtain routine loan documentation, and resolves documentation issues for loan closings.  The incumbent must have excellent oral communication skills and knowledge of equity and mortgage closing documents. The incumbent is required to meet department productivity and quality standards.  
 

Qualifications

Skills:   Indicate the minimum skills required to competently perform the duties of this job.  Please note:  This will be included in future job postings and be used to screen applicants.
Attention to detail and accuracy, ability to prioritize and meet deadlines in a high volume area. Ability to follw directions, multi task and work independently. Ability to readily adapt in a fast pace ever changing environment. Advanced typing skills and strong computer skills. Ability to work well in a team environment. 
Work Experience:   Identify the minimum related experience required to competently perform the duties of this job.  Please note:  This will be utilized be included in future job postings and be used to screen applicants.
Type Of Work Experience       Years        Description of Experience
Proficient PC Skills                  2 years     Outlook, Microsoft
Customer Service                    2 years  Experience in oral and written communication with internal and external customers
Ability to work in a high volume, fast paced environment      2 years   Ability to produce under pressure, multi task and prioritize in a sometimes stressful environment
Mortgage or equity loan closing  2 years  Knowledge of loan documentation related to closings, experience working with various branches and settlement agents
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
385943]]> Thu, 26 Apr 2012 16:00:00 GMT 2385755-Richmond-Lending
Review submitted documentation to ensure compliance with bank requirements.  Access websites as needed. Follow up on documentation issues with customers. Complete review within department standards. Able to process all mortgage or home equity products efficiently.
Enter clear and concise comments, edit information, and document application.
Communicate professionally in oral and written format with internal and external customers regarding status requests, missing information, and/or explanation of required documentation.
Basic knowledge of  secondary market/lending programs and guidelines with the ability to apply bank, state and federal regulations to ensure compliance (Fair Lending, Reg B., etc).
Meet or exceed department productivity and quality standards within department turn-time standards.
 

Qualifications

High School or Equivalent (GED), Associate Degree or Bachelor Degree preferred
Time management and ability to meet deadlines is critical to this position. Attention to detail and organizational skills are required. Requires work in a fast pace environment with the ability to multitask.
2-3 years Experience:



PC skills

Work experience in either an office or retail environment

Banking or mortgage experience - Knowledge of DTI and LTV ratios with ability to decipher loan documentation and related reports and/or websites

Customer Service - Experience in oral and written communication with internal and external customers


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
385928]]> Thu, 26 Apr 2012 16:00:00 GMT 2385722-Richmond-Corporate
 The incumbent completes a variety of regulatory and clerical tasks to support Processing, Closing and Underwriting functions including but not limited to preparing and completing disclosure packages, completing appraisal requests, flood reviews, forwarding and monitoring receipt of title reviews, complete verification of employment, obtain homeowner’s insurance, index documentation, data enter loan information (if applicable), faxing and following-up on documentation if needed. Adherence to regulatory and bank guidelines and department standards is required.
Review submitted documentation to ensure compliance with bank requirements.  Access websites as needed. Follow up on documentation issues with customers. Complete review within department standards. Able to process all mortgage or home equity products efficiently.
Enter clear and concise comments, edit information, and document application.
Communicate professionally in oral and written format with internal and external customers regarding status requests, missing information, and/or explanation of required documentation.
Knowledge of  secondary market/lending programs and guidelines with the ability to apply bank, state and federal regulations to ensure compliance (Fair Lending, Reg B., etc).
Exceed department productivity and quality standards within department turn-time standards and ability to assist Management Team with special projects; serves as a subject matter expert requiring little supervision.
General Supervision:  Incumbent develops procedures for performance of a variety of duties or performs complex duties within established policy guidelines; responsible for a defined set of assignments, e.g., all financial activities for the department; is expected to determine and create necessary procedures to set priorities and meet specific goals and objectives of the function or unit.  (Typically pertains to advanced technical, senior professional, unit supervisor).
 

Qualifications

High School Diploma or GED required.
Associate or Bachelors Degree preferred.
2-3 years  proficient in PC skills.
2-3 years of work experience in either an office or retail environment.
2-3 years of knowledge of DTI and LTV ratios with ability to decipher loan documentation and related reports and/or websites.
2-3 years of experience in oral and written communication with internal and external customers.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
385938]]> Thu, 26 Apr 2012 16:00:00 GMT 2385667-Richmond-Corporate
Monitor loans in foreclosure to ensure compliance with all investor, guarantor, insurer, state and federal guidelines/timeframes are adhered to.  Review file when received in foreclosure to ensure that all of the prerequisites of foreclosure have been met.  Monitor loans in the foreclosure process and update servicing system with all critical steps during the process.  If there are delays in the foreclosure process the servicing system must be documented with the delay and the reason for the delay.  Monitor vacant properties during the foreclosure process to ensure the all property preservation functions are completed timely and in accordance with investor guidelines.  Resolve payment disputes and reconcile payment histories.  Work the foreclosure task queue daily and respond to inquiries timely.  Handle all foreclosure related correspondence, phone calls, e-mails promptly to avoid customer complaints.  Read, review and understand title reports to determine the lien position.  Report foreclosure sale results accurately and timely to the investor.
 

Qualifications

Effective verbal, written, and interpersonal communication skill with emphasis on telephone techniques
PC word processing, CRT data entry; typing
Problem solving and counseling skills; accuracy; math aptitude; attention to detail
Follow all foreclosure guidelines verbal and written
Mortgage experience
 

Hours and Work Schedule

Hours per Week:   40
Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
385226]]> Wed, 18 Apr 2012 16:00:00 GMT 2365648-Richmond-Corporate
The Ops Supervisor I oversees and supports the day-to-day department production actives which include cross training, control, and audit activities, production, and quality control.  Facilitates departmental workflow, ensures that work is properly safeguarded and controlled in accordance with banking policies and procedures.  Provides guidance, training and leadership to team members.  Ensures work adheres to regulations and ensures compliance to CFG policies, departmental policies, risk avoidance standards and SLAs. Track and report key department metrics. Provide input, motivate, incent, and rewarded desired behaviors by providing feedback and utilizing available reward and recognition programs.

Leadership Accountabilities: 


Business Management & Planning: Be aware and understand business objectives and how this relates to the role. Oversee and support the day-to-day department production activities.

Process/Continuous Improvement: Contribute to the improvement of the customer experience.  To encourage and respond to process improvement ideas from team members.

Managing Change: Be flexible to react and/or implement change initiatives.

Customer Service: Be a role model to drive customer service values.

Risk Management: Identify, minimize, and escalate risk where appropriate. Team Leadership: ensure team members have a clear idea of what is expected of them and to what standard. Provide a team supportive environment.

Recruitment & Induction: to assist in the on boarding of new team members so that they can be effective in their new role as quickly as possible. 

Team Development: actively participate in supporting and training team members to achieve individual and department goals.

Performance Management: provide input in the performance review process.  Will assist team members in achieving the objectives and targets linked to the business goals and ensure  appropriate behaviors are demonstrated ("what" is expected and "how" they are expected to achieve objectives).
  Note: this position involves moving boxes occasionally which can be about 40lbs.
 

Qualifications

Solid interpersonal and communication skills


Solid organization skills


Solid ability to multi-task and to function efficiently in a high volume, fast paced deadline oriented environment.


Solid PC skills


Intermediate knowledge MS Excel


Intermediate knowledge PowerPoint/Visio


Intermediate knowledge of MS Word


Solid time management skills


Sound written and verbal skills


Solid professional customer service orientation


Ability to support others through development and coaching


Strong problem solving skills and analytical skills


Strong understanding of the compliance/regulatory environment


Associate Degree required


2 + years Operations experience, experience managing workflow process
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
385377]]> Thu, 12 Apr 2012 16:00:00 GMT 2348234-Richmond-Operations
This role is responsible for analyzing and solving complex operational, systems-related and/or customer issues.  Requires the application of various complex methods and procedures, and performs routine, complex analytical review of data and/or documentation.
May be responsible to collect, review and analyze data and/or documentation to ensure compliance with department SLAs, policies, procedures, and/or regulatory and risk requirements which may require interpreting policy changes and impact to function. 
May represent the department in global initiatives. and serve as business unit liaison with other departments.
May require cross training within the department and serve as point person for more junior members of the team.
Position requires the ability to prioritize and work independently.  Must possess the ability to work efficiently in a high volume, fast paced, deadline oriented environment.
 

Qualifications

Superior organization skills


Ability to multi-task


Strong analytical acumen


Excellent communication skills


Strong capacity to work independently


Working knowledge of all standard Windows and MicroSoft Office software a must


Knowledge of MSP System preferred


Bachelor Degree Preferred, Associates Degree Required


8+ years experience in financial services industry, 5 years minimum mortgage banking
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
385241]]> Sun, 08 Apr 2012 16:00:00 GMT 2335264-Richmond-Operations
The Process Improvement Architect is responsible for defining a cross-functional project and delivering concurrent projects from start to finish.  They must have the ability to mentor colleagues in process improvement techniques, Lean Six Sigma projects and teach LSS DMAIC modules when needed.
The individual will:



Build and maintain relationships with business and operations managers.

Define problem / opportunity statements and supporting baseline metrics.

Perform voice of the customer (VOC) activities to validate problem / opportunity, competitive position and requirements.

Establish corrective action and root cause options.

Deliver recommendations, and implement approved actions and supporting control plans.

They work within a change practice team to make recommendations and review the quality of overall business analysis process improvement work products.

 Deliverables: 
Process Improvement Analysis



Build and maintain relationships with business and operations managers.  Supports workout sessions to identify process improvements and identified baseline metrics.  Perform voice of the customer (VOC) activities to validate problem / opportunity, competitive position and requirements.

 Able to identify the enterprise view of process improvement requirements on cross-functional environments to ensure solutions are aligned to the business objectives and needs.

 Improve the quality of process outputs by identifying and removing the causes of defects (errors) and minimizing variability in business processes.  Each project follows a defined sequence of steps and has quantified financial targets (cost reduction or profit increase) identified as part of the analysis.

 Develop process maps, key processing information needs, supporting metrics and complete capability analysis to quantify operational gaps.

  Large Project Management



Lead business improvement projects, which deliver sustainable results and reliable measurements through the effective engagement of the customer and stakeholders involved.

Lead large process improvement projects or several smaller projects.  Manage a process improvement team, including performance management, comp / rating recommendations and overall responsibility for work product quality and schedule.

Plan, organize, control and deliver multiple feasibility studies and process improvement efforts.

Build and maintain relationships with business and operations managers.

  Mentoring



Mentorcolleagues in the practices of prepare, analyze and act on relevant project information to ensure that each practice member meets agreed service levels and objectives.  Coach and develop practice members.  Review and follow-up with each individual’s performance coach to ensure practice member meets their specific objectives and that they have the right knowledge, skills and behaviors to succeed.

 Provide constructive and timely feedback, and coaching / mentoring to service area members and external management.

  Stakeholder Management



Take an active roll in developing and maintaining effective working relationships with key stakeholders across Divisions, Business Services, and GTS Delivery Services to enhance the working relationship and ensure effective cross operational support for the Process Design Services and Practice Management.

  Customer Service



Champion strong customer service attitudes and values.  Responsible for assessing customer needs to help shape future competencies and service design requirements.  Utilize performance metrics and standards to drive quality output.

  Recruitment and On-Boarding



Supports the Manager of Process Improvement Design Services by identifying resource needs, conducts interviews and participates in new hire orientation process.


Qualifications

High School or Equivalent (GED) required, Bachelor Degree preferred

Qualitative and quantitative analysis

6-10 years - Experience with Six Sigma tools and models including Lean Six Sigma or other process measurement tools and models.

7-12 years - Experience with process improvement concepts, techniques and models.

9-12 years – Project management in business systems or technology implementations.  Functional leader of a team engaged in operations, project management or continuous improvement.

4-6 years – Experience within the financial service industry or related industry, function include but are not limited to customer service, call center, transaction processing, research and / or adjustments.

Lean Six Sigma DMAIC and DFSS



Project Charter

Stakeholder Analysis

SIPOC Diagrams and Process Maps

Measurement Plan/Operational Definitions

Pareto Charts

Run Charts

Cause & Effect Diagrams

Decision Criteria Matrix

Pilot, Test, and Implementation Plan

Control Plan, Visual Controls

Quality Function Deployment (QFD)

Value Stream Maps

Benchmarking

KanoAnalysis

Measurement Systems Analysis (MSA)

Process Capability, Cp/Cpk

Failure Modes and Effects Analysis (FMEA)

Hypothesis, Correlation, and Regression

Pull System (Kaban)

Statistical Process Control Charts (SPCs)

 Project Management Competencies / Skills:



Financial analysis capability

Detail planning

Analytic thinking

Leadership and team building

Influencing and delegating

Decision making

Communicate across all levels

Strategic thinking

Ability to review deliverables

 Contribution to Practice Management and Citizens:



Actively engage in Practice Management activities

Present at related meetings such as Town Halls, All Hands, BA COE, when asked

Assists in recruiting efforts by identify process improvement roles job requirements, interviewing and hiring

Openly champions the work of Practice Management and Process Improvement Design Services

 Contribution to Colleagues:



Provide meaningful guidance to Process Improvement Design Services colleagues to promote career development

Assists with setting clear, productive, quantifiable goals for Process Improvement Design Services colleagues as part of the process

Support the on-boarding process of Process Improvement Design Services colleagues

Effectively motivates and guides Process Improvement Design Services colleagues to improve performance

Effectively provide coaching to Process Improvement Design Services colleagues when needed

 Communication:



Excellent communications skills

Professional presentation of self and information to ensure understand of content


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
385146]]> Thu, 05 Apr 2012 16:00:00 GMT 2329759-Richmond-Corporate
Build and maintain relationships with business and operations subject matter experts (SME’s)
Validate problem / opportunity statements and supporting baseline metrics.
Identify scope, customer and requirements.
Develop process maps, key processing inputs and supporting metrics.
Establish corrective action and root cause options.
Deliver recommendations, and implement approved actions and supporting control plans.
Process Improvement Analysis



Facilitate workout sessions to identify process improvement opportunities and the identification of baseline metrics.  They will lead the validation of problem / opportunity statements and supporting baseline metrics for small initiatives.

Identify process improvement requirements for a small to medium process ensuring solution align with process improvement and business performance objectives and needs.

Improve the quality of process outputs by identifying and removing the causes of defects (errors) and minimizing variability in business processes.  They establish corrective action and root cause options.

Develop process maps, key processing inputs and supporting metrics and deliver recommendations, and implement approved actions and develop supporting control plans for longer term process performance.

 Project Management



Lead small business improvement project, which deliver sustainable results and reliable measurements through the effective engagement of the stakeholders involved.

Manage a small process improvement team, including performance management, comp / rating recommendations and overall responsibility for work product quality and schedule.

Build and maintain relationships with business and operations subject matter experts (SME’s)

 Stakeholder Management



Take an activate roll in developing and maintaining effective working relationships with key stakeholders across Business Services, and GTS Delivery Services to enhance the working relationship and ensure effective cross operational support for the Process Design Services and Practice Management.

 Customer Service



Chanpion strong customer service attitudes and values.  Responsible for assessing customer needs to help shape future competencies and service design requirements.  Utilize performance metrics and standards to drive quality output.

Recruitment and On-Boarding



Supports the Manager of Process Improvement Design Services by identifying resource needs.


Qualifications

Bachelor Degree in Business (Finance / Banking) or Technology (Systems Implementation), or Operations

or 3+ years professional work experience.

Certifications in any of the following preferred:  Black Belt (BB), Business Architecture Certification, BA Certification, CBAP- Certified Business Analysts, BPM- Business Process Management, CBA – Business Architect, Certification, BA Certification, Greenbelt

If no certifications, additional education is preferred:  Financial services, Manufacturing background in operations, quality and continuous improvement, Project management in business systems, technology implementations, Six Sigma or Lean.

2-3 years – Six Sigma experience

2-3 years – Lean Six Sigma experience

2-3 years – Experience in project management in business systems or technology implementations.  Functional leader of a team engaged in operations, project management or continuous improvement.

2-4 years – Experience in customer service, call center, transaction processing, research and  / or adjustments.

3+ years – Manufacturing background in operations, quality and continuous improvement.

3+ years – Experience mentoring others.

Six Sigma Competencies / Skills:

            Qualitative and quantitative analysis
            Lean Six Sigma DMAIC and DFSS
                        Project Charter
                        Stakeholder Analysis
                        SIPOC Diagrams and Process Maps
                        Measurement Plan / Operational Definitions
                        Pareto Charts
                        Run Charts
                        Cause & Effect Diagrams
                        Decision Criteria Matrix
                        Pilot, Test, and Implementation Plan
                        Control Plan, Visual Controls
                        Value Stream Maps



Process Improvement Analysts Competencies / Skills:

Demonstrates knowledge of common business architecture and analysis concepts, innovations and trends in the industry
Demonstrates in in-depth knowledge of business improvement analysis
Demonstrates a working ability to use various business architecture analysis tools and techniques
Demonstrates their adaptability to changing business and change management needs
Ability to handle projects which they do not have full knowledge of and build understanding to deliver measurable results
Information and data modeling
Usage of Microsoft Office and tools such as Minitab for data gathering and stakeholder interactions.



Project Management Competencies / Skills:

Financial analysis capability
Detail planning
Analytic thinking
Leadership and team building
Influencing and delegating
Decision-making
Commmunicate across all levels
Strategic thinking
Ability to review deliverables



Contribution to Practice Management and Citizens:

Actively engage in Practice Management activities
Assists in recruiting efforts by identify process improvement roles job requirements
Openly champions the work of Practice Management and Process Improvement Design Services



Contribution to Colleagues:

Support the on-boarding process of Process Improvement Design Services colleagues
Effectively motivates and guides Process Improvement Design Services colleagues to improve performance



Communication:

Excellent communications skills
Professional presentation of self and information to ensure understand of content
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
385151]]> Thu, 05 Apr 2012 16:00:00 GMT 2329694-Richmond-Operations
Single Point of Contact Assistant Manager manages a group of customer relationship managers, including setting employee schedules, managing completion of work assignments and meeting business requirements in a timely and cost effective manner and achieving business goals.  This position will manage a group of 10+ relationship managers that work with customers and act as a liaison with the processing groups.  The SPOC Assistant Manager is responsible for recruiting, hiring decisions, performance reviews, and reward and recognition of staff.  This individual will develop relationships with managers of key support areas to ensure quality service is being delivered to our customers. Will serve as a key stakeholder to ensure compliance with investor servicing guidelines/standards.



Coaches and trains their team to provide understanding of appropriate options for borrowers, such as Collections, Repayment plans, Special Forbearance, Modifications, Short Sales, and/or Foreclosure.

Creates and coaches to a customer focused environment that motivates and empowers employees to deliver high quality customer service to increase customer satisfaction and enhance customer relationship.  Rewards and celebrates success.  Assists with identifying training needs and delivers appropriate training to staff.

Responsible for recruiting, hiring decisions, performance reviews, and reward and recognition of staff.  Identify hiring needs.    

Develops schedules, cost and resource estimates and manages to these requirements.  Fulfills operational requirements through supervision of assigned work group. 

Implement and deliver business plans and targets.  Plan, allocate, and organize team resources to meet business plan.

To initiate and support process improvement activity and help to embed a culture of continuous improvement.  To facilitate change through projects.

Identify and manage the risk, minimizing the outcome and escalating where appropriate.

Develop and maintain effective working relationships. Partner with other departments with common goals.

Proactively identify opportunities for change which will add value to the achievement of business objectives and enhance the customer experience.

Develop, plan, and implement activities that will enable a highly motivated and highly performing team to deliver team objectives. Fostering an environment of cooperation and change.

C reate, plan and implement activities that will support the development of team members.

Reviewed follow-up with each individuals performance to ensure they meet their specific objectives and that they have the right knowledge, skills and behaviors.  Conducts performance reviews and acts upon development needs where appropriate.   Ensures that direct reports have clear objectives and targets linked to business objectives and appropriate behaviors ("what" is expected and "how" they are expected to achieve objectives).

 

Qualifications

Bachelor Degree, Required

Superior coaching abilities – takes responsibilities for coaching people to drive performance improvement

Customer service orientation. 

Excellent time management skills

Goal driven

Problem solver  

Proficient product and service knowledge

Knowledge of MSP, ALS, and Filenet preferred

Solid knowledge of MS Office products

Strong written and verbal skills

Strong organization skills

Strong project management skills

Strong PC Skills

Experienced in successfully delivering services through leading people

Able to develop wider business knowledge of all other functions within the division.

Knowledge of corporate policy, laws and regulatory requirements of area of responsibility.

Excellent problem solving skills

Financial services/operations environment, 5+ Years

Progressive Management, 5+ Years

Mortgage Default, 2+ Years

 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
385149]]> Wed, 04 Apr 2012 16:00:00 GMT 2329761-Richmond-Product-Support
Responsible for underwriting complete product offerings including automated and manual portfolio, Jumbo, FHA, VA, Bond Agency, and Construction-to-Perm loans.  This is a loan decisioning position with significant financial and risk impact to the business. 
Underwrite pre underwritten conventional first mortgages prepared by a Junior Underwriter
Underwrite complete product offerings including automated and manual portfolio, Jumbo, FHA, VA, Bond Agency, and Construction-to-Perm loans
Utilize your knowledge and experience to serve as an advisor for junior members of the department
Ensure material information captured in the automated underwriting system is accurate at time of review
Proactively suggest program alternatives for customers who do not qualify for terms initially submitted
Demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making
Meet or exceed productivity levels established by Management and credit quality standards set forth by RBS, while responding timely to quality control and audit reviews when requested
Assist the Group Team Manager when necessary and provide training when required.
In depth knowledge of all legal, compliance, regulatory and investor requirements for the product set
Is a resource for operations and sales colleagues regarding specific product requirements for loans in process
Provide exceptional customer service in all written and verbal communications to both internal and external customers
 

Qualifications

High School or Equivalent (GED) required, Certification, Licensure or other education / training preferred
Mortgage and equity industry experience
Extensive knowledge of underwriting guidelines
Extensive knowledge of Government products and guidelines
Detail and organizational skills
Customer service skills
Excellent written and verbal communication skills
Direct Endorsement Certification Required
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
385172]]> Wed, 04 Apr 2012 16:00:00 GMT 2329690-Richmond-Sales-and-Service
Responsible for underwriting complete product offerings for the business unit.  For mortgage underwriting this includes automated and manual portfolio products, Jumbo loans, Construction-to-Perm and Tandem products.  For home equity underwriting this includes the larger dollar size and more complex home equity applications.  This position has lending authority between $500,000 - $750,000.
The Underwriter II reports to the Regional Team Manager, who reports to the Underwriting Group Manager.
Responsible for mortgage underwriting this includes automated and manual portfolio products, Jumbo loans, and Construction-to-Perm and Tandem products.  For home equity underwriting this includes the larger dollar size and more complex home equity applications.
Ensure material information captured in the application and passed through to the automated underwriting system is accurate at time of review.
Proactively suggest program alternatives for customers who do not qualify for terms initially submitted.
Demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making.
Meet or exceed productivity levels established by Management and credit quality standards set forth by RBS, while responding timely to quality control and audit reviews when requested.
Comprehensive knowledge of all income sources, including the ability to interpret personal and business income tax returns .
In depth knowledge of all legal, compliance, regulatory and investor requirements for the product set.
Is a resource for operations and sales colleagues regarding specific product requirements for loans in process.
Provide exceptional customer service in all written and verbal communications to both internal and external customers.
 

Qualifications

High School or Equivalent (GED) required; Bachelor or Master's degree preferred.

Mortgage and equity industry experience

Knowledge of underwriting guidelines

Detail and organizational skills

Customer service skills

Excellent written and verbal communication skills

4 years - Mortgage and equity underwriting experience in a lending institution.


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
384919]]> Tue, 03 Apr 2012 16:00:00 GMT 2325382-Richmond-Sales-and-Service
Receive and review repurchases requests to determine the ability to rebut findings cited by investors by researching circumstances, re-underwriting loans, disputing claims, rectifying or clarifying guidelines and locating missing documentation. 

Classify repurchase issues in accordance within departments repurchase reason classification system.

Identify repurchase trends and coordinates efforts with affected areas to mitigate future repurchase risks

Responsible for maintaining and updating an access database with all repurchase activity on a loan level basis as well as generating and distributing monthly reporting

Act as the underwriting contact with investors for all repurchase related issues and actively participate in meetings with investors to discuss any repurchase claims as needed.

Review and provide written responses to HUD/VA post endorsement audits requests in accordance with FHA/VA guidelines

Research any FHA/VA issues that arise and identify trends and root causes to assist in mitigating future risks.

Provide underwriting support to loan securitization process regarding errors with delivery data as compared to data in the Automated Underwriting System. 

Provide quality control support to the Post Closing and Loan Delivery Departments by conducting monthly and quarterly internal audits.

Assist as needed with the review and submission of repurchase files to investors

 

Qualifications

3 to 5 years of underwriting or quality control experience with in-depth knowledge of FNMA guidelines and Desktop Underwriter

Knowledge of FHA and VA guidelines

Manages time well

Ability to multi-task

Excellent customer service skills

Excellent organizational and communication skills

Demonstrate accuracy and thoroughness and extreme attention to detail

Able to adapt to changes or unexpected events

Excellent decision making and supporting evidence skill set

Strong negotiation skills

Working knowledge of all standard Windows and Microsoft Office software

 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
385108]]> Mon, 02 Apr 2012 16:00:00 GMT 2321382-Richmond-Lending
Provide product/pricing support to Production personnel within the company with an emphasis on customer service. Responsible for the daily preparation and distribution of Retail Mortgage Rates as well as Online Rates. Ensure accuracy of Secondary Marketing Position Reports by managing the locked pipeline which includes but is not limited to reconciliation, research and resolution of discrepancies as pertains to daily pipeline reports.

Qualifications

Bachelor Degree, and/or equivalent mortgage industry related experience. A minimum of 2 years experience in Secondary Marketing recommended. Effective verbal, written and interpersonal communication; Math aptitude, PC skills (Excel and Access), typing, and attention to detail.

Hours and Work Schedule

Hours per Week: 40


Work Schedule: Monday-Friday 8:00AM-5:00PM

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
384664]]> Tue, 20 Mar 2012 16:00:00 GMT 2283999-Richmond-Lending
The Sr. Project Risk Analyst will be a key member of RBS Citizens' Debt Management Analytics team. The colleague will be responsible for identifying and evaluating opportunities to improve bottom-line performance on several consumer loan portfolios. He/she will prepare standard and ad-hoc operations reports on daily/monthly/quarterly basis for internal & external groups; analyze historical data to identify trends and make business recommendations. As key member of Analytics team, the colleague will develop & maintain strong working relationships with internal and external stakeholders; effectively respond to inquires on reports in timely manner; own process to design and develop new reports as well as maintain existing reports using various tools such as MS Excel, SAS, MS Access and MSP Passport. 
As Sr. Project Risk Analyst in Debt Management area, you will have the opportunity to apply analytics and reporting to solve business problems and be part of a dynamic, team oriented environment offering multiple opportunities for professional growth.
Responsibilities:


- Identify business opportunities


- Develop large number of standard and ad-hoc reports using multiple tools for internal & external groups


- Analyze data to identify trends, make recommendations for improvement to operations processes and MIS development processes


- Communicate to internal & external groups trends identified in data, insights on business drivers and make recommendations
 

Qualifications

Bachelors Degree in Quantitative field (Such as Engineering, Mathematics, Business, Economics, Statistics etc.)
Preferred Qualifications:


1 year experience in Debt Management analytics


1-2 years Experience in SAS


2+ years experience with MS Excel, Access, PowerPoint


Possess attention to detail to deliver accuracy and high quality in reporting


Ability to work on multiple priorities with appropriate management direction


Self-motivated and a team player with strong communication and interpersonal skills; be willing to learn about multiple business systems, tools and technologies
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of CCO Mortgage Corporation to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.
383488]]> Tue, 28 Feb 2012 14:00:00 GMT 2214223-Richmond-Corporate
Responsible for certain elements of HLS Strategy as it relates to the management and development of strategic programs and products (both mortgage and equity) needed to meet the company’s growth objectives and risk profile.

Evaluate competitive needs based on sales input while balancing risk appetite for portfolio or private investors as applicable and assist in determining profitability and incremental volume impact.  Leverage strategic thinking and business growth needs to identify unique but sound opportunities in products and programs.  Manage recurrent competitor surveys to monitor the competition.

Identify and evaluate emerging market trends in residential lending and staying abreast of industry opportunities to improve the customer experience and competitive landscape for HLS and the bank.  This includes programs that augment cross sell opportunities and identifying customer segments that align with bank growth and profitability within risk model.

Monitor private investor market for program offerings, features, products and credit policy gaps particularly related to wealth/jumbo and first time homebuyer segments.  Participate in cross-collaboration with Capital Markets, Credit Risk, Treasury, Finance and HLS Senior Leadership on periodic strategic analysis of loan sales/purchase opportunities as identified or directed.

Focus on broad secondary market impacts to the business including operating changes (such as from Dodd-Frank), and regulatory landscape that could impact risk appetite.  Monitor existing programs for performance and on-going risk assessment with changing economic conditions and operating model changes.

Lead project management effort to develop new, complex products that require cross-functional teams across organization.  Facilitate engagement of required stakeholders and thorough / timely review to ensure high quality output and reasonable time to market.

Partner with HLS senior management, sales, credit risk and other internal partners to review product development and program initiatives particularly leveraging portfolio opportunities

Lead special projects for the Secondary Marketing department as assigned leveraging the various expertise required that could include a combination of product, operational, marketing, financial and pricing knowledge.

Provide technical product knowledge assistance to marketing in support of product training to loan production and operations staff.

 
  

Qualifications

 Minimum 10 years mortgage banking experience with minimum 5 years secondary market experience with focus on product and project management for mortgage and equity programs, with an emphasis on portfolio program strategic initiatives.  This includes ability to lead multiple and complex new product launches through excellent project management skills.  Must have in-depth subject matter expertise that provides for both the identification of strategic opportunities and the ability to tactically deploy these programs.

Excellent understanding of all risks associated with mortgage and equity functions.  Some knowledge of pricing required with an ability to identify risks and profitability opportunities within products.  Identify market opportunities to maintain or achieve competitiveness for sales force.  Perform research and development, including financial analysis and presentations to executive management to support business case for strategic programs

Product Rule and guideline interpretation and communication experience a must.

Mortgage product experience required, equity product experience preferred.

Mortgage operational background required.  Sales exposure preferred.

Project management is key including process improvement, working with other departments and SMEs to coordinate and implement new products, product changes or special projects.

Superior relationship management and collaboration skills required across multiple business lines and within various departments of Portfolio Optimization/Secondary Marketing.  Must demonstrate resourcefulness in a respectful manner at all times, earning confidence and admiration of colleagues.

Credit policy experience preferred particularly as it relates to augmenting growth without compromising risk in the development of program initiatives.

Ideal candidate must act with a sense of urgency, establishing a clear plan, quickly and effectively gaining agreement in the plan and then leading a cross-functional business team to deliver against the plan.

Ability to advocate and influence senior leaders and support partners to support new program initiatives and product development projects.

Ability to instinctively identify roadblocks and work independently towards resolution.

Manages time well

Strong analytical acumen

Ability to multi-task.

Excellent customer service skills.

Excellent organizational and communication skills.

Demonstrate accuracy and thoroughness

Able to adapt to changes or unexpected events.

Working knowledge of all standard Windows and Microsoft Office software a must. 


Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

383227]]> Mon, 30 Jan 2012 14:00:00 GMT 2136818-Richmond-Lending
Manage Pricing Committee Process for the Home Lending Solutions (HLS) product area.  Prepares and analyzes product pricing and program financials on behalf of HLS and develops executive level management presentations, business reviews, key findings and recommendations. Pro-actively identifies new market opportunities and risks arising from competitive, regulatory and other internal and external factors.  Provides recommendations to enhance product and customer profitability. Ensures proper policies and procedures are in place to document pricing decisions.
Develops and maintains pricing and profitability models/pro formas to support new business initiatives.  Gathers data and performs analytics to properly backtest and validate models and documents assumptions that provide the basis for pricing and profitability measurement.  Collaborates closely with colleagues across the organization to develop and refine models. 
Acts as lead financial expert on cross-functional teams to establish processes for developing financial analysis and business cases associated with potential new strategies. 
Trains and develops other analysts.  Organizes and plans workflows.  Ensures effective departmental policies and procedures are developed and maintained.
 

Qualifications

Strong organizational and leadership skills: plans, reviews and tackle obstacles to excellence; ability to utilize persuasion and build relationships to win support for the benefit of the business; builds confidence and inspires others to achieve success for the business; uses scenario planning to consider the implications of different scenarios
Mastery of theoretical and practical accounting and finance concepts and techniques including  discounted cashflow analysis, ROE, economic capital, funds transfer pricing, etc.
Excellent analytical and research skills:  ability to interpret financial results and business indicators to identify trends.  Conduct quantitative, financial or business case analysis.
Proficiency in analytical spreadsheet skills and data manipulation.  Experience with statistical and quantitative analysis a plus. Skilled in software applications:  Microsoft Word, Excel, Access, Powerpoint, SAS a plus. 
Excellent communication skills, both written and verbal
Comfortable asking challenging questions yet collaborate for success of the business
Leads and develops other analysts.
Bachelor's degree required, MBA of Master in Finance preferred.
 

Hours and Work Schedule

Hours per Week:   40


Work Schedule:    Monday-Friday 8:00AM-5:00PM
 

Equal Employment Opportunity

It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

382287]]> Mon, 12 Dec 2011 14:00:00 GMT 2031524-Richmond-Product-Support