Analista de Cierre de Crédito Hipotecario
HSBC · Azcapotzalco
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HSBC is one of the largest banking and financial services organizations in the world, with operations in 64 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realize their ambitions.
Role objective
The Mortgage Specialist is actively involved in each key aspect of the loan process and is primarily responsible for shortening cycle time by providing exceptional service to third parties and internal departments from Application through Funding. The role requires proficiency in collecting and analysing a broad range of credit, collateral and compliance documents to ensure loan quality and integrity, and the ability to work effectively with underwriting, mortgage experience associates, sales representatives and third-party vendors.
Key responsibilities
- Evaluate creditworthiness through a thorough review and evaluation of third-party mortgage documentation to assess accuracy and credit risk; analyse international credit reports, foreign verifications of employment and perform project reviews to support credit risk decisions.
- Analyse collateral documentation to ensure collateral supports the Company’s overall risk.
- Maintain a consistent, proactive approach to clearing prior-to-doc conditions to increase pull-through percentage.
- Meet or exceed daily production expectations while maintaining accuracy and quality standards.
- Adhere to Federal, State and HSBC regulatory compliance policies and maintain the HSBC Code of Ethics; ensure the Company’s security interest in the mortgage is protected.
- Use professional judgement for early identification and effective resolution or escalation of issues.
- Develop and sustain relationships with Third Party Vendors; communicate and monitor quality performance and established standards.
- Immediately notify all necessary parties of irregularities relative to standard HSBC policy/guidelines.
- Own pipeline management, taking accountability for loan processes, risk decisions and meeting/exceeding service level agreements (SLAs) with a proactive focus on exceeding customer expectations.
- Achieve published standards and other key performance indicators (attendance, revenue, retention, service levels, quality, operational risk, etc.).
- Complete other related duties as assigned, including guidance and training to less experienced personnel; support the Company’s Diversity programmes.
- Adhere strictly to compliance and operational risk controls; report control weaknesses, compliance breaches and operational loss events.
Qualifications / requirements
- Must be legally authorised to work in the U.S. (HSBC will not provide immigration sponsorship for this position).
- Knowledge of mortgage products, documents, investor and compliance requirements.
- Ability to make sound decisions based on information provided and defined policies.
- Ability to multi-task and manage multiple duties/deadlines without sacrificing quality.
- Strong customer service, organisational, and written/oral communication skills.
- Minimum 2 years’ proven bank/mortgage business/mortgage systems experience (or equivalent).
- Bachelor’s degree in business, accounting, a related field, or equivalent experience.
- Proven communication, organisational, analytical, administrative, problem-solving and interpersonal skills.
- Proficiency with PCs and pertinent HSBC systems and software.
- Ability to meet deadlines and objectives independently and as part of a team.
- English Advanced