Home Equity Processor

Summary

Join Point, a company revolutionizing homeownership, as a US Home Equity Processor! In this role, you will be responsible for reviewing and verifying documents to close home equity investments, ensuring a smooth closing process. You will collaborate with various teams and external agencies, manage title reports, and maintain clear communication with homeowners. This position requires 2+ years of experience in US mortgage processing or title curative work, strong analytical and communication skills, and proficiency in Microsoft Office or Google Sheets. Point offers a comprehensive benefits package including generous health benefits, unlimited paid time off, flexible remote work options, fully paid parental leave, and financial wellness programs.

Requirements

• 2+ years of experience in US Mortgage Processing and/or title curative work, with an understanding of various title issues and curative measures (e.g., tax liens, probate)
• Knowledge of common credit underwriting standards, including income and asset evaluation
• Fluency in Microsoft Office or Google Sheets, with strong computer proficiency in a paperless environment
• Exceptional written and verbal communication skills
• Meticulous attention to detail, with strong problem-solving abilities to determine the right level of detail
• Highly organized and able to handle a large pipeline efficiently
• Adaptability to evolving processes and technology, with a natural inclination toward documentation and leveraging technology for efficiency
• Self-motivated and organized for remote work
• A desire to deliver exceptional customer service
• Excitement about joining a later-stage tech company, with interest in real estate and fintech

Responsibilities

• Review title reports for accuracy, completeness, and eligibility
• Work with cross-functional teams (account managers, underwriters, and closers) to successfully bring an application to a close
• Review entity documents, trust documents, and divorce decrees to determine proper curative steps to ensure a clear title
• Use skillset and knowledge of curative clearance to obtain the documentation required to clear title report and secure Point’s lien position
• Review and manage processor pipeline within set SLA
• Clearly communicate with homeowners, title agencies, docket partners, and outside agencies (cities, counties, government agencies, debt collection agencies, and third-party vendors)
• Support pre-closing activities including obtaining evidence of insurance, updated payoffs, checking fees input by underwriting, reviewing the entire body of documentation for anything missing or inaccurate, verifying ownership, and communicating closing steps to every homeowner
• Meet or exceed daily and monthly goals including CTC volume, call targets, and title grade clearance expectations

Preferred Qualifications

• Experience with US mortgage modifications is a plus
• Ability to analyze a title report (preferred)

Benefits

• Generous health benefits
• We provide medical, dental, and vision plans with options for flexible spending accounts (FSA) and health savings accounts (HSA)
• Unlimited paid time off
• Recharge with unlimited paid time off and 10 company holidays
• Flexible remote & onsite work
• Our teams work from many different locations and time zones. We support fully remote work and also have an amazing in-person environment in our downtown Palo Alto, CA HQ
• Fully paid parental leave
• Point will true-up wages from state-applicable PFL earnings so that the employee’s total gross pay will be equivalent to 100% of their regular base pay, as well as two weeks of fully paid leave to be available after exhaustion of state PFL
• For employees in states without Paid Family Leave, Point will provide up to 8 weeks of paid parental leave
• In addition, all employees will receive 4 weeks of fully paid transition time. For four weeks after returning from parental leave, and following the use of all other paid leave benefits, you may work part-time, meaning two or three days per week, and receive 100% of regular base pay
• Financial wellness
• We provide 401K retirement plans for employees as well as guaranteed life insurance and short- and long-term disability coverage. Full-time employees have the opportunity to take ownership in the company through equity options
• Extra work/life benefits
• We provide monthly stipends for internet, mobile plans, and a one-time home office reimbursement