Who We Are:
Cardinal Financial is a nationwide direct mortgage lender that focuses on creating solutions for our borrowers, partners, and employees—to provide the very best experience. We are genuine and hard-working individuals who are not scared to improve and intentionally push beyond what is considered “good enough.”
Looking to join a company that values its people, innovates and expands on its proprietary technology, and is growing at a ridiculous rate?! Apply below!
Who We Need:
The Client Advocate II is responsible for providing borrowers with exemplary customer service while walking them through any questions, concerns, or processes as they relate to the approval of their mortgage application. The Client Advocate II team member must possess excellent verbal and written communication skills as well as in-depth knowledge of lending programs, policies, procedures, and regulatory requirements as it relates to Federal Lending Guidelines as well as Cardinal policy.
What You Will Do:
- Finds solutions to challenging scenarios or loan conditions with the ability to find creative and acceptable solutions for restructuring loans in addition to explaining underwriting conditions to borrowers and loan originators
- Represents the organization to internal and external customers, vendors, members of state and regional government entities and other organizations well by providing exceptional customer service and effective communication skills, both in writing and orally
- Addresses, resolves, and responds to any consumer concerns related to the processing of the loan and consumer experience as it relates to the underwriting approval and surrounding requirements, all while providing exceptional customer service
- Is knowledgeable and trained in reviewing federal guidelines, State-sponsored downpayment, and other assistance programs including USD, as well as possess superior skills in order to deescalate borrowers and answer questions with confidence
- Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements, and demonstrating a commitment to professional ethics
- Develops effective professional partnerships with all colleagues
- Serves as subject matter expert on Cardinal Financial policies and procedures
- Assists Transaction Support Specialists with questions relating to third party documentation requirements and general mortgage and processing concepts
- Works as a team with sales, transaction support specialists, underwriting, closing, funding, and management to ensure assigned loans are being processed with timeliness, attention to detail, accuracy, and within compliance of corporate policies, agency, and all state and federal laws
- Familiar with external overlays related to investors
- Understands Jumbo, USDA, FHA, VA and DPA loan programs
- De-escalates highly frustrated clients
- Occasionally assists Client Advocate I team members to provide support as it relates to concerns or questions from borrowers
What You Need:
- High school diploma or GED is required
- Multi-state processing experience is preferred
- Excellent verbal and written communication skills
- Thoroughly familiar with external overlays related to investors
- Well versed in Jumbo, USDA, FHA, VA, DPA, and any other specialty loan product offered at Cardinal
- Expert in researching investor guidelines via specific investor website or the HUB
- Familiarity with mortgage process and mortgage documents
- Ability to adapt well to change
- Exceptional computer skills
- Demonstrate responsibilities for multi-faceted direction and planning; must be a fast paced individual
- Excellent verbal and written communication skills
- Excellent analytical and organizational skills
- Detail-oriented
- Ability to take direction and comprehend training
- Ability to work closely within a team structure
- Working knowledge of Microsoft Suite, specifically Word and Excel
- Working knowledge of mortgage related software, ability to quickly learn and comprehend proprietary software Octane
- Solid Knowledge of TRID, RESPA, FHLMC, FNMA, FHA, VA program guidelines
- Exceptional customer service and effective communication
- Familiarity with mortgage process and mortgage documents
What We Offer:
- Strength, Stability, and Vision
- Great compensation package
- Opportunity for career growth
- A commitment to be a relevant market leader - we are aiming for the top!
- Octane, our engineered proprietary technology that is transforming the mortgage industry
- An empowered culture where your ideas are important and your voice matters
- Full Benefits, beginning the first day of the month following your start date, including – Medical, Dental, Vision, Life, Disability Insurance, and much more
- Generous paid time off package that also includes all major holidays
- 401K w/ 50% match - Beginning the 1st of the month following 30 days of employment
Cardinal Financial is an Equal Opportunity Employer. We respect and aim to empower individuals and support the diverse cultures, perspectives, skills and experiences within our workforce. California residents click here to review Cardinal's California Employee Privacy Policy & Notice at Collection. The expected base salary for this position ranges from forty two thousand dollars to sixty five thousand dollars, determined based on the applicant's experience, skillset, education, training, certificates, and licenses.
