Vanderbilt Mortgage and Finance, Inc. was established in 1974 and currently
services over 200,000 loans. Our strength as an organization is rooted in
the quality of our people and products. We are an equal opportunity
employer committed to creating a diverse workforce. Furthermore, we're
financially strong, with a reputation for leading the industry with
unsurpassed products, a broad range of services and a coast-to-coast
presence. We're professionally strong, from entry level to more experienced
positions, we're actively recruiting individuals who are passionate,
positive, and eager to learn. As a member of our team, we will equip you
for success, you'll enjoy excellent benefits, opportunities for growth, and
an encouraging culture that supports work/life balance.
Manages the loan pipeline to ensure loans fall within state and
Federal regulatory guidelines along with company policies and
Minimizes points of contact for customer, often communicating on
behalf of various internal groups, including but not limited to
Loan Specialists (non-LO) and Land Examiners.
Conducts real-time assessment of customer readiness and resource
availability to successfully move forward with a home loan.
Determines proper documentation required based on income/employment
types and loan types
Verifies income, employment and other financial stipulations to
ensure the customer’s ability to repay the loan.
Calculates income using information verified borrower criteria on
behalf of the Loan Specialists (LOs).
Re-computes debt ratios on behalf of the Loan Specialists (LOs).
Collects required pre-acceptance documents from the customer prior
to full approval.
Cooperates with outside parties to collect and verify crucial
financial information such as employers, landlords, tax returns,
P&L statements, balance sheets, pension/annuity letters, check
stubs, benefit letters, etc.
Gathers and sorts items collected by Home Centers including but not
limited to customer identification, property owner’s agreements,
park address and contact information, home invoices, trade home
titles, proof of property ownership, real estate purchase
Monitors the accuracy of documents submitted by third parties such
as real estate agents, individual land sellers, home owner
insurance companies, non-CMH manufacturers
Verbally verifies facts regarding non-borrowing spouses, private
property owners, local government offices, etc.
Collects and verifies stipulations deemed necessary from the Loan
Specialists (LO’s) to include verification accounts are paid in
full, bi-weekly mortgage requirements, job gap letters, site rent,
living expenses, landlord references, etc.
Orders and verifies VMF system generated items such as flood
certification, title commitments, etc.
Instructs various 3rd party vendors to provide loan
items such as appraisals, surveys, closing invoices, vendor
approval documents, and e-signatures.
Requests and reviews used home repairs as necessary.
Meets and regularly maintains department phone availability and
standards to include but not limited to Call Quality, accuracy,
loan turn time, and Raving Fans Index (RFI).
Accurately documents conversations and activities in LINK.
Promotes and protects company reputation while avoiding costly
Performs other duties as assigned.
Fluent in English and Spanish a plus.
High School Diploma or Equivalent required, college a plus.
Computer competency with Microsoft Office and typing skills at
minimum 40 wpm.
Great attention to detail and organizational skills.
Positive, resilient attitude while remaining flexible to change.
Problem solving skills.
Ability to work in a solution oriented, team environment.
Must have excellent communication skills, especially verbal and
Willing to learn, hard-working, determined and assertive.
Effective at multitasking and quickly adjusting prioritization of