Mortgage Operations Specialist - Disclosure Desk - HSBC - Depew, New York - EXPIRED
Posted on: 04-07-2020 in Depew, New York
This is an archive of an expired job.
Job Information:
Company: HSBC
North America-United States-New York-DEPEW
- Deliver
excellent customer service to a wide range of HSBC RBWM local and international
customers (whille ensuring the cost effectiveness of the operation).
- Handle
all functions and regulations related to disclosure desk.
- Deliver
upon quantitative and qualitative key performance indicators, in line with our
business strategies and regulatory requirements (scorecard).
- Continually
review and understand work practices and policies to ensure ongoing audit and
risk standards are met.
- Ensure
fair outcomes for customers are delivered in all situations.
Impact on the Business
- Prepare
and provide required initial disclosures to the consumer. Demonstrate total understanding of the Loan
Estimate.
- Support
Change Circumstance, review disclosures, ensure timely and accurate initial
disclosures are provided
- Complete
fee analysis and demonstrate total understanding of estimated fees and fee
tolerances.
- Generate
all initial Disclosures accurately to support TRID regulations.
- Achieve
published standards and other key performance indicators (attendance, revenue,
retention, service levels, operational risk, etc).
- Meet
all performance targets including standards in quality and productivity.
- Abide
by first call resolution in alignment with global standards to promote customer
satisfaction.
Customers / Stakeholders
- Mortgage
Retail Sales
- Mortgage
Direct
- Mortgage
Business Development and Customer Acquisition
- Credit
risk – RBWM
- BRCM
and Compliance functions supporting RBWM
- Underwriting
Quality Control - RBWM
- Private
Bank Mortgage team – sales and credit
- Key
vendors supporting Mortgage Loan Originations at HSBC
- Third
Party Management function in HSBC
- Head
of Mortgage and Mortgage Leadership Team
Leadership & Teamwork
- Plan
and prioritize work appropriately considering importance, urgency, customer and
business impact.
- Deliver
excellent customer service .
- Champion
and embrace change and innovation
- Demonstrate
ownership and common sense with all that you do, sharing best practice.)
- Communicate
the HSBC vision, values and goals to others clearly and
- consistently.
Operational Effectiveness & Control
- Maintain
highest standards of risk management, control and compliance.
- Reduce
overall operating losses and credit risk within management control.
- Maintain
KYC standards.
- Implement
and apply the processes, infrastructure and resources needed to deliver agreed
team plans and targets, identifying and implementing improvements and
collaborating with colleagues to maximize integration, effectiveness and
efficiency.
- Communicate
and embed HSBC policy and procedures in order to ensure good operational,
financial and project management, policy and procedural compliance and early
identification and effective resolution or escalation of issues that arise.
- Provide
timely, accurate, quality information to stakeholders to meet business and
regulatory requirements.
Major Challenges
- Deliver
desired outcomes – positive customer experience, reduced cost per loan,
increased through-put, regulatory compliance
- Ensure
compliance in a complex environment with demanding internal standards, multiple
internal control functions and multiple government regulators.
- Completing
multiple tasks under aggressive time constraints while making accurate
decisions with a sense of urgency.
Role Context
- Working
with a wide range of direct and functional areas
- Close
collaboration with mortgage management team, RBWM Credit risk, Legal and
Compliance to constantly execute operations and meet our customer needs.
Management of Risk
- Ensure
compliance, operational risk controls in accordance with HSBC or regulatory
standards and policies; and optimize relations with regulators by addressing
any issues.
- Physical
Demands/Work Environment: Very good working conditions. Little or no physical
demands. Minimal handling of light materials.The physical demands/work
environment described above are representative of those that must be met by an
employee to successfully perform the essential duties of the job. Reasonable
accommodations may be made to enable individuals with disabilities to perform
essential duties.
Observation of Internal Controls
- Maintains
HSBC internal control standards, including timely implementation of internal
and external audit points together with any issues raised by external
regulators.
- Disclosure/TRID experience as well as
knowledge of Mortgage systems (both LOS and Image)
- Minimum of 2 years proven bank, mortgage
business, mortgage systems related experience or equivalent.
- Minimum of bachelor’s degree in business,
accounting, related field or equivalent experience.
- Proven communications, organizational,
analytical, administrative, problem-solving, project management and
interpersonal skills.
- Proficiency with personal computers as well
as pertinent HSBC systems and software.
- Ability to meet deadlines and objectives
independently and within the team.
EEO/AA/Minorities/Women/Disability/Veterans
If you would like to notify the Diversity Recruitment team of your application or if you are simply interested in learning about opportunities at HSBC, please email
[email protected]