Careers at Live Well Financial

Live Well Financial provides mortgage services and we act as a wholesale lender to many financial institutions. We offer a consistent and exceptional customer experience as well as use technology in every aspect of our business. We were a finalist for the 2009 Greater Richmond “Company to Watch” award. If you have a proven work history and the required experience, we invite you to submit your resume for one of our open positions.

Loan Officer Careers- Retail Channel

Position: Open
Location: Richmond, VA / San Diego, CA Employment
Type: Full-Time

Role & Responsibilities

The Loan Officer role for the Retail Channel is responsible for Originating the full set of product we offer:  Conventional, FHA, non-conforming jumbo and reverse mortgages.  Specific responsibilities include:
  • Educating our customers about their product options.
  • Taking information in connection with applications
  • Preparing accurate quotes..
  • Work to process loans, solve underwriting problems and bring good loans through to closing.
  • Follow up with company provided leads using our CRM software (SalesForce)

Compensation & Benefits

  • Compensation: Base Salary + Commission along with Health, Dental, 401K, PTO, Short and Long Term Disability

Required Qualifications

  •  Proven selling experience with demonstrable figures and the skill set to meet and exceed sales goals.
  • Prior mortgage origination experience is required
  • Active NMLS ID.
  • Strong business acumen that includes proven negotiation skills
  • Excellent communication skills (written and verbal), organization skills and planning skills
  • Ability to identify and resolve problems and issues quickly, creatively and decisively
  • Four-year college degree preferred
  • Candidates must be located at the assigned location

Account Executive – Wholesale Channel

Position: Open
Location: Various States
Type: Full-Time

Role & Responsibilities

The Account Executive role for the Wholesale Channel is responsible for the business development, performance management, and day-to-day relationship management of reverse and traditional mortgage Brokers and Correspondents in the assigned region of the United States. This role will ensure that growth, production, and profitability goals are accomplished. Specific responsibilities include:
  • Planning and executing business development strategies to increase the production and generation of revenue from
  • Brokers/Correspondents. Reviewing Brokers’/Correspondents’ business performance and managing them to performance goals
  • Gaining a clear understanding of the various Brokers/Correspondents businesses and requirements.
  • Coordinating efforts with the other Live Well Financial business areas to ensure effective sharing of information and leads, and to build the Wholesale Channel.
  • Developing and maintaining knowledge on the reverse and traditional mortgage industry, relevant regulatory environment (e.g. FHA and HUD requirements), and on our products, services, and systems.
  • Visiting approved and potential Brokers/Correspondents to maintain and increase business and production levels.
  • Maintaining and developing relationships with existing Brokers/Correspondents via meetings, telephone calls, and emails.
  • Acting as the contact and relationship manger between Live Well Financial and its existing and potential markets.
  • Negotiating the terms of the Broker/Correspondent business agreement and developing the business based upon the agreements; negotiating variations in price, delivery and specifications with managers.
  • Representing Live Well Financial at trade exhibitions, events, and demonstrations.
  • Advising on forthcoming product developments and discussing special promotions. Maintaining inventory of marketing material for sales calls
  • Manage additional responsibilities and duties as assigned.

Compensation & Benefits

  • Compensation: Commission

Required Qualifications

  • Proven selling experience with demonstrable figures and the skill set to meet and exceed sales goals.
  • In depth experience in managing client relationships at senior levels within organizations.
  • Strong business acumen that includes proven negotiation skills and techniques.
  • Mortgage experience required; Reverse Mortgage desired but not required.
  • Excellent communication skills (written and verbal), organization skills and planning skills.
  • Ability to identify and resolve problems and issues quickly, creatively and decisively.
  • Ability to leverage metrics to make business decisions and manage Broker/Correspondent performance.
  • Established skill set for analyzing and satisfying for a variety of client needs; proven follow-up techniques to verify satisfaction and/or resolution
  • Ability and willingness to travel (50%-60%).
  • Four-year college degree preferred.
  • It is required that candidates be located with the assigned region or specific state, given the concentration of business in that area and traveling needs.

Underwriter

Position: Open
Location: Richmond, VA
Type: Full-Time

Role & Responsibilities

Our Underwriters are responsible for making credit decisions related to loan applications across our Retail, Wholesale, and Correspondent channels.

  • Responsible for underwriting conventional, FHA, and VA residential mortgage loans to ensure compliance with bank, FHA/VA, and secondary market standards.
  • Communicates with Processors, Originators, and other internal and external customers.
  • Meets performance standards and goals established by the bank.
  • Underwrites mortgage loan applications, and evaluates loans in order to maximize organizational profit and minimize risk or loss.
  • Accurately analyze new loans and review conditions received based upon the criteria required for the submitted product type, while meeting established productivity and turn around time goals.
  • Responsible for ensuring sale-ability of each closed loan, balancing risk management responsibilities with creative judgment to maximize lending opportunities.
  • Manage additional responsibilities and duties as assigned.

Compensation & Benefits

  • Compensation will be based upon experience and qualifications
  • Health Care and Dental Coverage
  • Group Life/AD&D Insurance
  • Long Term Disability Insurance
  • 15 PTO days per calendar year

Required Qualifications

  • 3-5 years of experience as a Residential Wholesale Mortgage Underwriter
  • Must have recent Underwriting experience and be familiar with RESPA
  • Prefer DE Underwriter
  • Qualified applicants will typically possess 4 or more years of mortgage loan underwriting experience and be responsible for mortgage loans of complex nature including conventional, FHA, and VA loans.
  • Excellent oral and written communication skills
  • Excellent organizational skills
  • Excellent interpersonal skills
  • Excellent analytical skills; ability to quickly understand complex problems and recommend solutions
  • Microsoft Office proficiency is required
  • Must be an autonomous, responsible, and hard working individual

Funding Specialist

Position: Open
Location: Richmond, VA
Type: Full-Time

Role & Responsibilities

Our Funding Specialists are responsible for funding loans across our Retail, Wholesale, and Correspondent Channels.

  • Process residential and reverse mortgage loan packages after closing.
  • Complete pre-funding audit on closed loan packages.
  • Validate that all underwriting conditions were satisfied.
  • Confirm that the closed loan meets all funding and HUD insurance requirements.
  • Resolve open items.
  • Issue funding approval.
  • Route documents to servicing, funding, investors and insurers as appropriate.
  • Enter loan data into systems accurately and in a timely manner.
  • Collect trailing documents and route to appropriate parties.

Compensation & Benefits

  • Compensation will be based upon experience and qualifications
  • Health Care and Dental Coverage
  • Group Life/AD&D Insurance
  • Long Term Disability Insurance
  • 15 PTO days per calendar year

Required Qualifications

  • Mortgage and/or title experience is required
  • HUD/FHA experience is required
  • Residential mortgage underwriting experience is a plus
  • Reverse mortgage experience is a plus
  • Must be an autonomous, responsible, and hard working individual
  • Strong organizational skills are a must
  • Microsoft Office proficiency is required

Post Closing Administrator

Position: Open
Location: Richmond, VA
Type: Full-Time

Role & Responsibilities

Our Post Closing Administrators are responsible for collecting all trailing documents for closed loans across our Retail, Wholesale, and Correspondent channels.

  • Review and audit loan files for completion and accuracy; verify that all requested items are valid and that stipulations are met so that the loan is off warehouse line within established timeframes
  • Reviews signed loan documents for compliance with federal, state, and company laws and policies
  • Ensure that all closing packages meet the company standard for quality and accuracy
  • Develop close/funded binders for investors; includes stacking, scanning, and transmitting the closed/funded binders/files to investors
  • Process HUD submissions
  • Review the Purchase Advices from the investor purchases
  • Following up on overdue final title policies and recorded deeds of trust
  • Successfully completing job-related training
  • Corresponds with title companies to obtain outstanding closing documents
  • Handles and assists with the clearing of investors’ requirements and requests; prevent or resolves issues as they arise
  • Familiar with state and federal banking compliance laws
  • Assisting with other aspects of the post closing process on an as-needed basis
  • Other duties as assigned

Compensation & Benefits

  • Compensation will be based upon experience and qualifications
  • Health Care and Dental Coverage
  • Group Life/AD&D Insurance
  • Long Term Disability Insurance
  • 15 PTO days per calendar year

Required Qualifications

  • Excellent communication skills (written and verbal), organization skills and planning skills
  • Able to identify and resolve problems and issues quickly, creatively and decisively
  • Proficient in using basic computer software and the internet
  • Reverse mortgage or mortgage industry experience desired but not required

Loan Account Manager

Position: Open
Location: Richmond, VA
Type: Full-Time

Role & Responsibilities

Our Loan Account Managers are responsible for multiple operational responsibilities related to loan inquiries across our Retail, Wholesale, and Correspondent channels.

  • Responding to Broker and Processor phone calls and emails to answer inquiries, research problems, and provide resolution; investigating and/or resolving processing, underwriting, and funding issues
  • Provide basic user support for loan systems
  • Preparing files for funding review after underwriting approval and clearance of all conditions
  • Support the preparation of files for sale on the secondary market to one of several investors
  • Proactively support Sales to reach out to Brokers in supporting activation and retention efforts

Compensation & Benefits

  • Compensation will be based upon experience and qualifications
  • Health Care and Dental Coverage
  • Group Life/AD&D Insurance
  • Long Term Disability Insurance
  • 15 PTO days per calendar year

Required Qualifications

  • Excellent relationship and customer service skills
  • Excellent communication skills (written and verbal)
  • Mortgage and/or title experience is preferred
  • HUD/FHA experience is preferred
  • Must be an autonomous, responsible, and hard working individual
  • Strong organizational skills are a must
  • Microsoft Office proficiency is required

Mortgage Loan Processor

Position: Open
Location: Richmond, VA
Type: Full-Time

Summary

Live Well Financial, Inc. is looking for experienced Mortgage Loan Processors for Careers in our Richmond, VA and San Diego offices; Successful candidate must have a minimum of 3 years of processing experience preferably FHA and FHA Reverse Mortgages.

 

Responsibilities

  • Responsible for processing FHA Reverse Mortgages consistent with company policies and procedures to ensure all regulatory requirements are achieved
  • Monitors and maintains a pipeline of loans and is responsible for the timely and compliant processing of files
  • Responsible for obtaining and reviewing loan documentation and preparing files for submission to Underwriting
  •  Monitors and ensures closing dates and company deadlines are consistently achieved
  • Communicates with loan officers, borrowers, title companies and underwriters
  • Responsible for obtaining and clearing all underwriting conditions and preparing the file for closing
  • Responsible for distributing critical information with managers and team members

Qualifications

  • Minimum 3 years’ experience as an FHA/HECM processor
  • Required Computer Skills: Microsoft Office, including Word, Excel and Outlook

Work Environment and Physical Demands

  • Work is performed in an office environment
  • Requires sitting at a desk for long periods of time
  • Requires sufficient personal mobility and physical reflexes
  • Must be able to work on multiple assignments, under moderate stress levels

What the position offers

  • Competitive base salary + production bonus
  • Immediate Health / Dental Benefits
  • Career Advancement Opportunities
  • Unique corporate culture that supports teamwork, shared success, and FUN!

Mortgage Loan Processing Manager

Position: Open
Location: Richmond, VA
Type: Full-Time

Summary

Live Well Financial, Inc. is looking for an experienced Mortgage Loan Processing Manager. Successful candidate must have a minimum of 7 years of processing experience preferably FHA and FHA Reverse Mortgages. Management experience preferred.

 

Responsibilities

  • Responsible for managing the processing of FHA Reverse Mortgages consistent with company policies and procedures to ensure all regulatory requirements are achieved
  • Monitors and maintains a pipeline of loans and is responsible for the timely and compliant processing of files
  • Responsible for obtaining and reviewing loan documentation and preparing files for submission to Underwriting
  • Monitors and ensures closing dates and company deadlines are consistently achieved
  • Interviewing potential processor candidates.
  • Train and mentor processing staff.
  • Communicates with processors, loan officers, borrowers, title companies and underwriters
  • Responsible for obtaining and clearing all underwriting conditions and preparing the file for closing
  • Responsible for distributing critical information with senior management and team members

Qualifications

  • Minimum 7 years’ experience as an FHA/HECM processor, management experience preferred
  • Required Computer Skills: Microsoft Office, including Word, Excel and Outlook

Work Environment and Physical Demands

  • Work is performed in an office environment
  • Requires sitting at a desk for long periods of time
  • Requires sufficient personal mobility and physical reflexes
  • Must be able to work on multiple assignments, under moderate stress levels

What the position offers

  • Competitive base salary + production bonus
  • Immediate Health / Dental Benefits
  • Career Advancement Opportunities
  • Unique corporate culture that supports teamwork, shared success, and FUN!