Mortgage Review

Bravera is hiring for a Mortgage Review I in Mandan, ND or Dickinson, ND. The primary focus of this position is to monitor Compliance, Home Mortgage Disclosure Act (HMDA) and Flood on all 1-4 family and subordinate mortgages.

MEASURES OF SUCCESS

100% review of loan closing documents and HMDA reportable loans for 1-4 family and subordinate mortgages. Audit defect rate of less than 30% or no more than a low risk finding for all 1-4 family and subordinate mortgages. Track errors and report to Supervisor for department training needs.

DUTIES AND RESPONSIBILITIES

Effectively monitor accuracy of Home Mortgage Disclosure Act (HMDA) data originating from the Mortgage Lending area by performing loan level reviews, including but not limited to validating and analyzing the collection of loan data, participating in the preparation of the HMDA LAR, researching and resolving HMDA exceptions and recommending process improvements for training purposes. Perform Post Closing Reviews of all loans originated and denied/withdrawn loan requests. Proof loan documents to ensure compliance on all loans types prior to origination. Prepare department reports documenting results of reviews as required. Maintain general familiarity with compliance laws and regulatory requirements to ensure department initiatives and product offerings are in compliance with applicable requirements. Assist in coordinating all department training related to compliance initiatives which result in new or modified policies, procedures, or processes. Assist Mortgage Administration Supervisor and Mortgage Software Administrator in review of software updates for compliance and implementation of new documents. Must maintain a high level of confidentiality and professionalism regarding all employee and customer issues and information. Responsible for promoting the organization in the community through participation in various civic and community events, activities, committees, and organizations. Contribute to the overall success of the organization by promoting teamwork, open communication and leveraging opportunities as they relate to all entities of Bravera Holdings Corp. Adhere to all banking rules and regulations, including but not limited to the requirements of the Bank Secrecy Act. In addition, the employee will be proactive in the prevention of illegal activities, will vigilantly look for activities that may constitute any type of fraud including money laundering and will report any suspicious activity to the BSA Officer.

QUALIFICATIONS

(KNOWLEDGE, SKILLS

AND ABILITIES

):

Education:

Bachelor's degree in business, finance, or related field.

Experience:

Two years of related banking experience OR an acceptable combination of education and experience. Precise attention to detail.

LOCATION

Mandan, ND or Dickinson, ND Benefits To support this, we provide a competitive and rewarding compensation package which includes a competitive salary, incentive compensation opportunities, retirement plan with company match, health insurance, paid holidays, paid time off (PTO), paid community volunteer time and stock opportunities. As a learning organization, we are committed to investing in the growth and development of our team members, offering training opportunities and tuition reimbursement. Our Values Give and earn trust. We support and empower one another to earn trust through accountable performance. Learn, teach and mentor. We are a learning organization that invests in growth and development. Collaborate and innovate. We work together to drive continuous improvement to enhance your experience. Want to learn more about careers with Bravera? Go to bravera.bank/careers. #ForgeYourPath with us! Find us on Facebook , Instagram , X , LinkedIn , Youtube , and Tik Tok. --- Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities. The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing or action, including an investigation conducted by the employer or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c). Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.