Remote Land Examiner bei Vanderbilt Mortgage and Finance, Inc.

At Vanderbilt Mortgage, we believe homeownership makes lives better. For over 50 years, we’ve been committed to making homeownership more attainable for families across the country by providing mortgage solutions that unlock the freedom of home. As a national housing lender, we specialize in financing new and pre-owned manufactured and modular homes. With a diverse range of loan products, a reputation for world-class customer service and a coast-to-coast presence, Vanderbilt continues to be a leader in the industry. Our strength is our people—which is why we prioritize investing in our Team Members through opportunities for growth, a healthy work-life balance, and meaningful recognition of their contributions. Whether just starting out or bringing years of experience, Vanderbilt empowers our Team Members with the tools and training to build a successful career and reach their full potential.

Position Title:  Land Examiner (Non – LO – Processor)

Reports to:  Land Operations Team Lead                                                              

Department:  Loan Operations                                                           

Amount of Travel:  None

Vanderbilt Mortgage and Finance, Inc. was established in 1974 and currently services over 150,000 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.  And 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.

The Land Examiner is responsible for reviewing title commitments, appraisals, and surveys to confirm that Vanderbilt Mortgage and Finance, Inc. (VMF) will take 1st lien position and to confirm legal home placement.  This role reports to the Land Operations Team Lead.

Evaluation of title work, appraisals, and surveys

• Gathers all necessary information from customers and home centers to review and ensure accuracy.
• Orders necessary documents based on loan approval requirements.
• Analyzes legal documents such as deeds and other title documents to determine ownership of real estate.
• Verifies title documents are in correct form and meet legal requirements.
• Researches public records such as court decisions, liens, and encumbrances to identify and resolve title defects
• Reviews and requests necessary revisions of documents and audits appraisal reports for accuracy
• Examines exceptions shown on the loan policy to protect customers and marketability of the property.
• Provides any appraisal value discrepancies to Loan Originators for approval based on the requirements of the borrower’s loan package.
• Audits surveys for land restrictions, legal access, easements, and encroachments.
• Ensures proper fees are included in the loan for land documents and submits invoices to Accounts Payable once finalized.
• Assist more junior colleagues and new team members on daily tasks and team practices if/when questions arise.
• Assists other team members when volume is high and is responsible for resolving issues as needed.

Follow Up, Communication, and Vendor Relations

• Reviews title work and identifies issues such as judgements, delinquent taxes, and liens and is responsible for communicating any issues to the necessary parties.
• Partners with third party vendors, retail, and customers to resolve issues that may arise during reviews.
• Educates retail partners and borrowers on state/federal guidelines and enforces compliance.
• Verifies vendors are approved for use and provides vendor packages to complete if needed.
• Sets expectations and follows up with vendors until land documents are received and completed.
• Works with sister departments (e.g., Land Examination, Originations, Connect Lending) and Retail Home Centers who maintain correspondence with our borrowers and maintain strong partnerships with them.

Other duties as assigned

This job description is not an exhaustive list of all the functions that a team member and other duties may be assigned.

• Education: High School diploma or equivalent required
• Experience: Minimum of 1 years’ experience required.
• Attention to detail
• Organizational skills
• Ability to communicate effectively and efficiently via phone, email, and person to person.
• Capability of gathering facts accurately, analyzing causes, evaluating alternate solutions, and arriving at sound conclusions on action to be taken.
• Experience using Microsoft Suite a plus.
• Desire to have a supportive and positive team atmosphere.
• Possesses a strong team-oriented mindset and ability to communicate in a timely manner.
• Knowledgeable of applicable state and federal lending regulations.

PHYSICAL DEMANDS:

• Must be able to remain in a stationary position 75% of the time.
• Will be constantly operating a computer and other office productivity machinery, such as a telephone, calculator, copy machine, and computer printer.
• Will be communicating 90% of the time over the phone.
• Must be able to exchange accurate information at all times.
• Must be able to identify and assess account status and determine appropriate process.
• Will constantly work in a state-of-the-art indoor temperature controlled, sealed window office environment.

BENEFITS:

• Medical and Dental Plan with Prescription Coverage and Vision
• Competitive benefits including 401(K) includes 100% company match of the first 4%
• Paid time off days (PTO), maternity/paternity leave, and holidays
• Community involvement including Volunteer Paid Time Off (VTO)
• Tuition Assistance for your first degree
• Enjoy coming “home” to our brand new, state-of-the-art Home Office equipped with onsite fitness facility with full gym, workout classes, volleyball and basketball courts, ping-pong, disc golf course, and onsite restaurant
• Wellness programs that focus on emotional, social, spiritual, intellectual, environmental, physical, and financial well-being
• Collaborative and energetic work environment
• Professional development and promotional opportunities
• Competitive bonus programs

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