Be Part of Something Bigger

Pacific Residential Mortgage is a leading Northwest Mortgage Bank and Lender based in Lake Oswego, Oregon, with branches and state licensing throughout the United States.

From our start in 2004, we have been rated by the Portland Business Journal as one of the Top 10 Portland-area businesses based on our total loan volume. Similarly, our dedication to quality lending has earned us an A+ rating from the Better Business Bureau, and our dedication to our employees has earned us a spot in the top 100 Best Companies to work for in Oregon, seven times.

Where We’re Going

As our business grows, we remain dedicated to the personal and professional growth of our employees. Through dedication to our Core Values, we are continually learning what it takes to grow our business and develop our employees into successful people. In other words, our Core Values guide every decision we make, and we take pride in staying committed to every employee’s success.

Apply Today!

At PacRes, our vision is to change the future, one client at a time. In short, we invest in your future. Our clients and our employees continue to inspire us, and we thrive on seeing them succeed. We make dreams come true, and it feels good doing it. If this is something you want to be a part of, don’t wait!

Oregon’s 100 Best Companies
Position Title: Senior Developer
Reports To: Director of Technology

SUMMARY:

We are looking for a talented Senior Developer to join our team. As a Senior Developer at Pacific Residential Mortgage you should be well versed in Java, React, and C# development. This position will assist to develop and implement real-world solutions and requires strong technical design & communication skills. This position is permitted to operate remotely, but candidate is required to reside in the Pacific Time Zone.

ESSENTIAL DUTIES:

  • Write or review code for various applications
  • APEX, React, C#, HTML, JavaScript, and CSS coding
  • Generating ideas with team members and offering insightful solutions
  • Front and back end development of websites and applications
  • Identify user and system requirements for new websites and applications
  • Prioritize software development projects, set timelines and assign tasks to team members
  • Run functionality testing and debug code
  • Oversee junior developers and evaluate their performance
  • Staying up to date with new technology and teaching other developers how to incorporate new trends
  • This list of Job functions is not all-inclusive. The candidate will be required to perform other job-related tasks/responsibilities requested by the manager & job duties may change as required by needs of the company

QUALIFICATIONS:

REQUIRED:
  • Experience developing for both Unix/Linx OS and Windows OS.
  • 3+ years Java development
  • 3+ years C# development
  • 3+ HTML/CSS development
  • 2+ years Typescript and React
  • 1+ years Entity Framework, Unity, and MVC
  • 1+ years JavaScript development
  • Strong technical design skills
  • Motivated to learn new technologies
  • Creative and analytical thinking
  • Passionate about solving customer problems with software solutions.
  • Strong organizational and time management skills
  • Excellent verbal and written communication skills
  • Communicate effectively with technical and non-technical clients and audiences
  • Ability to work autonomously or with a small team
PREFERRED:
  • Salesforce Certified Platform Developer I & II
  • Bachelor’s degree in Computer Science, Software Engineering, MIS or related field and experience
  • SQL Management
  • IIS Management
  • Netlify Development/Management
  • Encompass
  • Salesforce lightning development
      o Apex Triggers, Unit Tests, Server-Side controllers, JS controllers, and Lightning Components (LDS). o Understands DML operations, data handling strategies (Futures, Batchables, and Queueables) and limits.
  • Strong attention to detail and excellent problem-solving skills
  • Strong verbal/written communication and data presentation skills, including an ability to effectively communicate with both business and technical teams
  • Strong business analysis and functional experience, including requirements gathering, creating/deploying solutions to end users

BENEFITS:

  • Flexible Remote & WFH (work-from-home) options
  • Medical (with HSA option), Dental & Vision
  • Benefits start 1st day of the month following hire
  • PTO starting at 3 weeks per year
  • 401K with discretionary match & profit sharing
  • Optional Life & Disability Insurance
  • Personal growth and development opportunities
  • An inclusive, strong “community” atmosphere

HOURS:

Full Time, M-F, 8:00am-5pm PST

PHYSICAL REQUIREMENTS & WORKING CONDITIONS:

The physical requirements for this position are customary to that of a desk job in an office setting. It will require sitting or remaining stationary for long periods of time (e.g., working at a desk/computer), near vision & ability to see objects on the computer screen, sometimes in presence of glare or bright lighting. May occasionally need to lift and/or move up to 15 pounds, stand, walk, stoop, kneel, crouch, or use hands & arms to reach to maintain or set up computer equipment. If/when working onsite, work is performed in a climate controlled, indoor, administrative office setting. The noise level in the work environment is usually quiet to moderate, depending on office or meeting location.

POSITION TITLE: Human Resources Specialist - Recruiting
REPORTS TO: Director of Human Resources

SUMMARY:

Human Resources professional with strong organizational skills and business manner. Serve Pacific Residential Mortgage, LLC., employees and clients with impeccable customer service, professionalism and integrity. Must maintain confidentiality, work with a sense of urgency and be organized and detail-oriented. Consistently strive to exemplify our Core Values of Trust, Serve, Drive, Innovate, Celebrate and Excellence. This position is full time and is permitted to operate remotely.

ESSENTIAL DUTIES:

  • Facilitate Talent Sourcing efforts for company hiring
    • Coordinate the usage of online job boards, databases, social media, and contracted recruiter services for broadcasting open positions
    • Respond to employment inquiries via phone, email, and other modes of responsive direct communication
    • Review and update job posting information and practices
    • Maintain multi-tiered resource of staffing supply provider services
  • Maintain Authorization and Approval of Job Posting
    • Assist Managers with requests by communicating requirements for hiring
    • Consult with Managers regarding specific details of job requests
    • Monitor inventory of approved Job Descriptions for all positions posted
    • Maintain documentation of authorized activity including management approval, position details, pay, status, etc.
  • Manage Job Applicant Activity
    • Engage applicants as first point of contact for the company
    • Screen & review resumes and develop methods for evaluating suitability of applicants
    • Schedule and conduct pre-screening activities, assessments, and follow-up information
    • Actively vet applicants with appropriate selection criteria and communicate to hiring managers
    • Coordinate interviews between hiring managers and candidates
    • Communicate status updates with applicants and candidates through entire process to hiring or non-selection
    • Track activities and maintain records of talent pipeline and provide reports as needed
  • Gain expertise and advise leadership with up-to-date recruiting methods and practices
  • Maintain knowledge of all guidelines, policies and procedures within the company and agencies for compliance with relevant laws and statutory requirements
  • Work closely with all Managers to keep open lines of communication
  • Represent the HR department and promote a positive collaborative work environment for all departments and peers
  • Assist and provide functional back up with other team members in the HR department
  • This list of Job functions is not all-inclusive. The candidate will be required to perform other job-related tasks/responsibilities requested by the manager & job duties may change as required by needs of the company.

QUALIFICATIONS:

  • Bachelor’s Degree required in Human Resources/Business or related field
  • 2+ years’ experience in recruiting
  • Human Resources Certification preferred
  • High proficiency with technology & computer navigation.
  • Excellent verbal & written communication skills (in English)
  • Exceptional interpersonal skills, particularly via phone or video conferencing
  • Ability to deliver 5-star customer service at all times
  • Mastery at managing multiple priorities & deadlines
  • Demonstrated ability to build & maintain relationships
  • Advanced knowledge in using Microsoft Office (Outlook, Word, Excel)
  • Strong organizational skills & attention to detail
  • Critical thinking & problem-solving skills

PHYSICAL REQUIREMENTS & WORKING CONDITIONS:

The physical requirements for this position are customary to that of a desk job in an office setting. It will require sitting or remaining stationary for long periods of time (e.g., working at a desk/computer), near vision & ability to see objects on the computer screen, sometimes in presence of glare or bright lighting. May occasionally need to lift and/or move up to 15 pounds, stand, walk, stoop, kneel, crouch, or use hands & arms to reach to maintain or set up computer equipment. If/when working onsite, work is performed in a climate controlled, indoor, administrative office setting. The noise level in the work environment is usually quiet to moderate, depending on meeting location.

BENEFITS:

401(K) with discretionary company match & profit sharing, Medical Insurance (Including Health Savings Account Option), Dental Insurance, Vision Insurance, Life & Disability Insurance, & PTO.

HOURS:

Monday – Friday, 8am-5pm

POSITION TITLE: QC Compliance Analyst
REPORTS TO: QC Compliance Manager

SUMMARY:

The QC Compliance Analyst helps ensure compliance with origination activities in relation to state, federal and investor requirements. This position will oversee the internal audit process within the company’s compliance and quality control division. Your knowledge of mortgage operations, security procedures, and applicable regulations combined with excellent communication skills and attention to detail will be paramount to your success in this role. This position is full time and is permitted to operate remotely.

ESSENTIAL DUTIES:

  • Complete monthly file reviews as required by state, federal and investors:
    • Closed Loan Reviews
    • Adverse Loan Reviews
    • Prefunding Loan Reviews
    • EPD/Discretionary
  • Complete the Fair Lending data reviews – ongoing risk assessment, analyze fair lending reports, and submit for management review
  • Compile data, obtain responses and write monthly summary reports for management review
  • Developing and implementing compliance programs to promote compliance with legal and regulatory requirements and other directives.
  • Identifying areas needing further training regarding HMDA and Fair Lending, Policy, Procedure, or compliance requirements – Develop action plan from file review findings
  • Providing guidance to staff on an as-needed basis on compliance related issues.
  • Must conduct oneself in a professional manner at all times and abide by all organizational and professional ethical standards.
  • This list of Job functions is not all-inclusive. The candidate will be required to perform other job-related tasks/responsibilities requested by the manager & job duties may change as required by needs of the company.

QUALIFICATIONS:

REQUIRED:
  • 3+ years’ experience working in Mortgage QC.
  • Comprehensive knowledge & understanding of mortgage underwriting, risk management, and quality control management.
  • Knowledge of mortgage company operations, security procedures, and applicable regulations.
  • Experience with mortgage data processing systems, audit control systems, and workflow analysis methods.
  • Proficiency with technology & computer navigation
  • Ability to learn and apply new technologies, processes, and procedures in a timely manner.
  • Exceptional written & oral communication, in English.
  • Ability to deliver 5-star customer service to all levels of staff & vendors.
  • Ability to work independently in a fast-paced environment.
  • Strong attention to detail & ability to produce error-free, high-quality work
  • Proficiency with MS Office Suite
PREFERRED:
  • Prior experience using mortgage software such as Ellie Mae Encompass & QC Ally
  • Prior experience reviewing loan files

PHYSICAL REQUIREMENTS & WORKING CONDITIONS:

The physical requirements for this position are customary to that of a desk job in an office setting. It will require sitting or remaining stationary for long periods of time (e.g., working at a desk/computer), near vision & ability to see objects on the computer screen, sometimes in presence of glare or bright lighting. May occasionally need to lift and/or move up to 15 pounds, stand, walk, stoop, kneel, crouch, or use hands & arms to reach to maintain or set up computer equipment. If/when working onsite, work is performed in a climate controlled, indoor, administrative office setting. The noise level in the work environment is usually quiet to moderate, depending on meeting location.

BENEFITS:

401(K) with discretionary company match & profit sharing, Medical Insurance (Including Health Savings Account Option), Dental Insurance, Vision Insurance, Life & Disability Insurance, & PTO.

HOURS:

Monday – Friday, 8am-5pm (1-hour lunch).

POSITION TITLE: Encompass Administrator
REPORTS TO: Director of Technology

SUMMARY:

PacRes is looking for a motivated & talented administrator for Ellie Mae Encompass to join our Information Technology Team. This position is responsible for internal user support and software administration for our LOS (Loan Origination Software). This position is full time and is permitted to operate remotely.

ESSENTIAL DUTIES:

  • Internal user support and software administration for our Loan Origination Software.
  • Assist in the development of input forms, print forms, and business rules.
  • Exhibit five-star customer service at all times
  • This list of Job functions is not all-inclusive. The candidate will be required to perform other job-related tasks/responsibilities requested by the manager & job duties may change as required by needs of the company.

QUALIFICATIONS:

REQUIRED:
  • At least one year of experience as an administrator of Ellie Mae Encompass & at least three years of experience using Ellie Mae Encompass.
  • High proficiency with technology & computer navigation
  • Advanced navigation skills within Encompass.
  • At least three years of experience as tier-1 technical support or working in customer service.
  • Experience with end-user support through a helpdesk ticketing system.
  • Ability to respond quickly, professionally, and courteously to problems and questions raised by sales and operations staff.
  • Very strong written & verbal communication skills (in English) with an emphasis on clearly explaining technical problems to non-technical users.
  • Mastery at managing priorities/deadlines & communicating schedule changes well in advance.
  • Demonstrable experience with the following Encompass Administration skills:
    • Granting access to users
    • Defining business rules to limit user access, enforce workflow requirements, and define field values
    • Creating custom fields with calculations
    • Creating custom input forms and print forms
    • Working with admin maintenance tools
    • Troubleshooting basic Encompass problems
    • Creating Pipelines and Reports with Advanced Search options
  • Familiarity with mortgage compliance regulations (e.g., TRID, HMDA).
  • Familiarity with the Encompass implementation of VB.NET as used in Business Rules.
PREFERRED:
  • Advanced experience with the Encompass implementation of VB.NET as used in Business Rules and custom input forms.
  • Encompass Administrator Certification.
  • Experience creating visually appealing and accessible user guides.
  • Experience with using Microsoft Word field codes.
  • Demonstrable experience using Encompass SDK to create efficient, lightweight plugins.
  • Encompass Developer Advanced Certification.
  • Proficiency with an object-oriented programming language, preferably C# and/or JavaScript, and basic working knowledge of JSON and REST APIs.
  • Intermediate level experience with Microsoft Visual Studio and a basic working knowledge of Postman.
  • Familiarity with accessing the Encompass Developer Connect Portal documentation and using the Try It feature.
  • Experience searching, creating, and updating loans using Encompass Developer Connect REST commands.
  • Navigational understanding of the Ellie Mae GitHub site for Encompass Developer Connect .NET Language Bindings
  • Experience configuring webhooks.

PHYSICAL REQUIREMENTS & WORKING CONDITIONS:

The physical requirements for this position are customary to that of a desk job in an office setting. It will require sitting or remaining stationary for long periods of time (e.g., working at a desk/computer), near vision & ability to see objects on the computer screen, sometimes in presence of glare or bright lighting. May occasionally need to lift and/or move up to 15 pounds, stand, walk, stoop, kneel, crouch, or use hands & arms to reach to maintain or set up computer equipment. If/when working onsite, work is performed in a climate controlled, indoor, administrative office setting. The noise level in the work environment is usually quiet to moderate, depending on meeting location.

BENEFITS:

401(K) with discretionary company match & profit sharing, Medical Insurance (Including Health Savings Account Option), Dental Insurance, Vision Insurance, Life & Disability Insurance, & PTO.

HOURS:

M-F, Full Time. Must be available to cover Encompass Tech Support shifts beginning at 8 AM ET.

POSITION TITLE: Underwriter I
REPORTS TO: VP of Mortgage Banking Operations

PacRes is looking for high energy, motivated candidates to join our Underwriting Team. At PacRes, we invest in your future. Our clients and our employees continually inspire us, and we thrive on seeing them succeed. Our vision is to change the future, one client at a time. In short, we make dreams come true, and it feels good doing it. If this is something you want to be a part of, don’t wait!

SUMMARY:

This position is responsible for reviewing & analyzing loan applications and property documents to assess risk and ensure adherence to state and federal regulation, as well as agency and investor requirements/guidelines for the sale of the loan. This position is full time and is permitted to operate remotely.

ESSENTIAL DUTIES:

  • Use AUS engines and interpret findings.
  • Assist in resolving post-closing defects, if applicable.
  • Issue and sign off on underwriting conditions within delegated authority.
  • Perform accurate data validation of a loan file and update the system of record, certifying system data integrity.
  • Act as a liaison by communicating loan decisions and conditions to sales team members.
  • Must complete all required industry and compliance training as required by the company.
  • Complete the required training and second review process to the satisfaction of Pacific Residential Mortgage within 30 days of start of training.
  • Must meet production requirements within 90 days post training.

ADDITIONAL RESPONSIBILITIES:

  • Perform mortgage credit analysis, with or without the assistance of an AUS system for Conventional loans, to determine borrower’s willingness and ability to repay the mortgage and adhere to agency/investor guidelines and regulations.
  • Perform detailed review of appraisal for one-to-four family residential properties to determine acceptability of security for sale to Fannie Mae & Freddie Mac as well as loans sold to investors.
  • Complete required worksheets – summarize methodology for rendering the credit decision and document income calculations for sale of loan on the secondary market.
  • Review purchase contract and addenda with property title work
  • Analysis of all other loan documentation as applicable
  • This list of Job functions is not all-inclusive. The candidate will be required to perform other job-related tasks/responsibilities requested by the manager & job duties may change as required by needs of the company.

QUALIFICATIONS:

REQUIRED:
  • High School Diploma or equivalent & Minimum of 3 years’ recent mortgage loan processing experience.
  • High proficiency with technology & computer navigation.
  • Understanding the life cycle of a loan from origination through closing.
  • Ability to comprehend and apply agency and investor guidelines.
  • Knowledge of FNMA/FHLMC, FHA, USDA & VA guidelines.
  • Basic understanding of income analysis and use of Automated Underwriting Systems.
  • Mastery at managing priorities & deadlines.
  • Exceptional written & oral communication in English.
  • Ability to deliver 5-star customer service, Proficiency in mathematics
BENEFICIAL SKILLS:

Understanding of economics & accounting, active listening, judgment & decision making, critical thinking & problem solving, reading comprehension, and adaptability.

PHYSICAL REQUIREMENTS & WORKING CONDITIONS:

The physical requirements for this position are customary to that of a desk job in an office setting. It will require sitting or remaining stationary for long periods of time (e.g., working at a desk/computer), near vision & ability to see objects on the computer screen, sometimes in presence of glare or bright lighting. May occasionally need to lift and/or move up to 15 pounds, stand, walk, stoop, kneel, crouch, or use hands & arms to reach to maintain or set up computer equipment. If/when working onsite, work is performed in a climate controlled, indoor, administrative office setting. The noise level in the work environment is usually quiet to moderate, depending on meeting location.

BENEFITS:

401(K) with discretionary company match & profit sharing, Medical Insurance (Including Health Savings Account Option), Dental Insurance, Vision Insurance, Life & Disability Insurance, & PTO.

HOURS:

Monday – Friday, 8am-5pm

Job Summary

PacRes is looking for 2 experienced post closers to join our growing team! Responsible for managing multiple warehouse lines against individual investor rate lock expirations. Must also review and satisfy investor pend conditions prior to lock expiration to ensure timely purchase not to exceed 15 days on the warehouse lines.

Supervisory Responsibilities

  • None.

Duties/Responsibilities

  • Manage warehouse lines using each provider’s proprietary system. Cross reference loans on warehouse lines against the Investor Lock Expiration Report, pulled daily.
  • Pull the Daily Suspense Report from the investors’ website.
  • Document the receipt of suspense notices in appropriate loan files & log lock expiration dates (obtained from Investor Lock Expiration report) on the suspense notice.
  • Process suspense conditions in order of lock expiration. Contact investor for clarification on reason for suspense as needed. Upload conditions to satisfy the suspense to investor websites and add to borrower’s loan file.
  • Upload original trailing documents received for each loan file into each borrower file. File original documents onsite & shred any original documents that have not been requested for at least 6 months.
  • Confirm receipt of suspense conditions with the assigned investor review clerk and obtain ETA of loan purchase within 24-48 hours of delivery.
  • Update borrower’s files with detailed notes & documentation on how the pend was satisfied.
  • Review the Warehouse Lines Aging Reports daily. Perform status checks on loans for which a suspense notice has not been received for approximately 10 days. Acquire status of purchase date from investor if the collateral has been shipped or if loan still shows on report after suspense notices have been received & satisfied. Follow lock extension policies in place if the lock is approaching expiration and the suspense condition will not be satisfied in time.
  • Each month, communicate in writing to management on any premium adjustments incurred by the bank.
  • Provide a daily summation of files aged over 30 days.
  • Log received status of final title policies & recorded deeds of trust in borrower files and forward to the end investor once per week, as needed.
  • Ensure all shipment supplies are stocked and ordered when necessary.
  • Act as QC liaison between investors and PRM management by identifying preferred practice improvements that would result in fewer errors & contribute to loan salability.
  • Every day, via each warehouse provider’s system, request shipment of collateral to each investor.
  • Assist in additional assigned task as directed by management.

Required Skills/Abilities

  • Fundamental knowledge of lending processes and regulatory requirements
  • Handling confidential material in a professional, ethical manner
  • Proficiency in Microsoft Office Suite & proprietary financial systems
  • Excellent interpersonal communication skills & ability to interface with team mates at a variety of levels
  • Demonstrated collaboration & organizational skills
  • Ability to work independently on routine activities as well as working towards team goals and expectations

Education and Experience

  • Bachelor’s degree in Business or related field,
  • 1-2 years of experience working in a professional environment including mortgage, commercial or consumer loan processing

Physical Requirements

  • Must be able to lift up to 15 pounds
  • Must be able to sit for extended periods of time
POSITION TITLE: Mortgage Advisor

Pacific Residential Mortgage (PacRes) is seeking established, experienced Mortgage Advisors nationwide to lead or join our production team. We are expanding our high-performance sales culture and innovative approach to mortgage lending to markets across the United States. We offer competitive compensation plans & an excellent benefit package. PacRes’ financial strength enables us to offer a full array of lending products and government loan programs, servicing options and full-scale personal mentoring, coaching and business growth facilitation. Our operating culture supports a private mortgage banking experience to all of your borrowers, which results in better referral partners and repeat business opportunities. If this is something you want to be a part of, don’t wait!

SUMMARY:

This position is responsible for originating new loans; complete, up-front pre-qualification of clients based on the four components of a loan (assets, income, credit, property), utilizing the Preliminary Assessment Form (PAF); determination of appropriate loan program; taking a complete loan application; production of an accurate loan estimate; proper set up of loan file; up-front communication to borrower(s) of all required documentation to close transaction; establishing ongoing communication with borrower(s), real estate agents and 3rd party providers; interest rate locks (upon client request) with confirmation from lender; timeline & management of loan pipeline; overall knowledge of industry (products, pricing, process, third party services, compliance, regulation); sales and 5 star customer service. This position is full time and is permitted to operate remotely.

ESSENTIAL DUTIES:

  • Determine appropriate mortgage loan financing product for each client.
  • Develop and maintain successful relationships with clients, referral and industry-based partners.
  • Collect and analyze customer financial information.
  • Maintain thorough understanding of and compliance with RESPA, ECOA, HMDA, FNMA, FHLMC, FHA, VA, etc.
  • Remain current on existing and developing trends for the community and the marketplace.
  • Demonstrate ease of use and adaptability with existing and developing technology.
  • Maintain knowledge of company product, policy, procedures and underwriting requirements.
  • This list of Job functions is not all-inclusive. You will be required to perform other job-related tasks & duties may change as requested by the manager & as required by needs of the company.

QUALIFICATIONS:

REQUIRED:
  • Demonstrated ability to build and maintain customer relationships.
  • Proficiency & adaptability with technology & computer navigation.
  • Must self-generate leads & be coachable.
  • Strong verbal & written communication skills (in English) to interact with clients, support staff, and partners.
  • Established originators will maintain minimum production standards of 4 closed loans/$750,000 in volume per month & new originators will achieve minimum production standards (4 closed loans/$750,000 in volume per month) within 12 months of employment, achieving production milestones along the way.
  • NMLS SAFE Act Compliance holding a minimum of one state license and a desire to grow in regionally strategic states.
PREFERRED:
  • Encompass & Optimal Blue proficiency (will train).

PACRES PERKS:

  • Lend in 34+ states
  • Marketing support (custom designs, video & social media content, event support & more).
  • IT support (In-house software developers, IT Help Desk & support staff).
  • 3:1 support personnel to sales staff ratio.
  • In-house underwriting & upfront approvals to help close loans faster.
  • Advanced reporting for Branch Managers.
  • Ellie Mae Encompass for Origination & fulfillment.
  • Companywide CRM provided to all Mortgage Advisors.
  • 99% customer service satisfaction rating.

PHYSICAL REQUIREMENTS & WORKING CONDITIONS:

The physical requirements for this position are customary to that of a desk job in an office setting. It will require sitting or remaining stationary for long periods of time (e.g., working at a desk/computer), near vision & ability to see objects on the computer screen. May occasionally need to lift and/or move up to 15 pounds, stand, walk, stoop, kneel, crouch, or use hands & arms to reach to maintain or set up computer equipment. If/when working onsite, work is performed in a climate controlled, indoor, administrative office setting. The noise level in the work environment is usually quiet to moderate.

BENEFITS:

401(K) with discretionary company match & profit sharing, Medical Insurance (Including Health Savings Account Option), Dental Insurance, Vision Insurance, Life & Disability Insurance, & 8 Paid Holidays.

HOURS:

Monday – Friday, 8am-5pm

Position Title: Loan Manager/Processor
Reports To: VP of Branch Operations

SUMMARY:

Support the Mortgage Advisor by assisting in originating and managing the loan file from contract to close. Must demonstrate a strong knowledge of products, pricing, underwriting guidelines, processing, regulations and customer service.

ESSENTIAL DUTIES:

  • Ensure loan files are well structured, complete and compliant.
  • Maintain an accurate, detailed loan pipeline with pre-set dates to be met at every step of the loan process.
  • Provide clear, consistent communication with assigned Teams
  • Exhibit Five-Star Customer Service to internal and external parties at all times.

ADDITIONAL RESPONSIBILITIES:

  • Mange every step of Operations during the loan transaction
  • Engage directly with clients throughout life of the loan
  • Oversight of your dedicated Loan Support staff.
  • This list of Job functions is not all-inclusive. The candidate will be required to perform other job-related tasks/responsibilities requested by the manager & job duties may change as required by needs of the company.

QUALIFICATIONS:

  • High School Diploma or equivalent & Minimum 3 years of recent mortgage loan processing experience.
  • Outstanding customer service skills
  • High proficiency with technology & computer navigation
  • Ability to collaborate and work together as a Team
  • Exceptional communication skills in English, both written and verbal
  • Enthusiastic, self-motivated, independent, resourceful and coach-able
  • Excellent organizational skills
  • Mastery at managing priorities & deadlines
  • Track record of handling confidential material in a professional, ethical manner
  • Proficiency in Outlook, Word, Excel, LOS (Encompass preferred) and AUS systems

BENEFITS:

WE OFFER QUALIFIED CANDIDATES:
  • Flexible Remote & WFH (work-from-home) options
  • Medical (with HSA option), Dental & Vision
  • Benefits start 1st day of the month following hire
  • PTO starting at 3 weeks per year
  • 401K with discretionary match & profit sharing
  • Optional Life & Disability Insurance
  • Per-file incentive compensation
  • Personal growth and development opportunities
  • An inclusive, strong “community” atmosphere
HOW WE MAKE PROCESSING BETTER:
  • D1C (Day 1 Certainty) across multiple loan programs (FNMA & FHLMC Conventional, FHA, VA, USDA)
  • One-and-Done centered processing and underwriting
  • AccountChek
  • The Work Number
  • Dedicated Order-Out Support Staff
  • Encompass

HOURS:

Full Time, M-F, 8:30am-5pm

PHYSICAL REQUIREMENTS & WORKING CONDITIONS:

The physical requirements for this position are customary to that of a desk job in an office setting. It will require sitting or remaining stationary for long periods of time (e.g., working at a desk/computer), near vision & ability to see objects on the computer screen, sometimes in presence of glare or bright lighting. May occasionally need to lift and/or move up to 15 pounds, stand, walk, stoop, kneel, crouch, or use hands & arms to reach to maintain or set up computer equipment. If/when working onsite, work is performed in a climate controlled, indoor, administrative office setting. The noise level in the work environment is usually quiet to moderate, depending on office or meeting location.

POSITION TITLE: Loan Partner
REPORTS TO: Branch Manager

SUMMARY:

PacRes is looking for a high energy, motivated candidate to join our Bozeman Team. This position is responsible for assisting the Mortgage Advisor with all phases of the loan application and closing process, performing duties independently under general supervision.

ESSENTIAL DUTIES:

  • Assist Mortgage Advisor with all types of real estate loans from application through closing.
  • Analyze loan requests according to secondary market requirements and Bank’s guidelines.
  • Manage Mortgage Advisor’s pipeline to include alerts, action taken dates and locks.
  • Oversee the processing of loan requests and proper loan documentation.
  • Coordinate loan closings, both in-house and through the Title companies.
  • Pursue positive public relations by networking in the community (i.e., attending realtor events and being involved in community activities and organizations).
  • Keep updated of changes in FHA, VA, RD and conventional lending practices.
  • Be knowledgeable of all pertinent lending policies and regulations.
  • Thoroughly completing the loan checklist and reviewing for completeness and compliance.
  • Submit loan files to processing.
  • This list of Job functions is not all-inclusive. The candidate will be required to perform other job-related tasks/responsibilities requested by the manager & job duties may change as required by needs of the company.

QUALIFICATIONS:

REQUIRED:
  • High School Diploma (or equivalent) & 1+ years’ experience working in real estate, finance or mortgage industry
  • Maintain confidentiality
  • Understand flood insurance requirements and procedures.
  • High proficiency with technology & computer navigation
    • Working knowledge of Outlook, Word, and Excel.
  • Ability to deliver 5-star customer service to internal and external parties, at all times
  • Mastery at managing priorities & deadlines
  • Work independently and as a team member
  • Must be able to perform basic math functions
  • High attention to detail and accuracy in work
  • Exceptional written & oral communication, in English
  • Ability to identify and present appropriate credit solutions.
BENEFICIAL SKILLS:
  • Understanding of economics & accounting, active listening, judgment & decision making, critical thinking & problem solving, reading comprehension, and adaptability. We have also found the following traits to be pertinent to success in this role: Enthusiasm, optimism, self-motivation, independence, resourcefulness, coachability and excellent organizational skills.

PHYSICAL REQUIREMENTS & WORKING CONDITIONS:

The physical requirements for this position are customary to that of a desk job in an office setting. It will require sitting or remaining stationary for long periods of time (e.g., working at a desk/computer), near vision & ability to see objects on the computer screen, sometimes in presence of glare or bright lighting. May occasionally need to lift and/or move up to 15 pounds, stand, walk, stoop, kneel, crouch, or use hands & arms to reach to maintain or set up computer equipment. If/when working onsite, work is performed in a climate controlled, indoor, administrative office setting. The noise level in the work environment is usually quiet to moderate, depending on meeting location.

BENEFITS:

401(K) with discretionary company match & profit sharing, Medical Insurance (Including Health Savings Account Option), Dental Insurance, Vision Insurance, Life & Disability Insurance, & PTO.

HOURS:

Full Time; Monday – Friday, 8am-5pm

POSITION TITLE: Senior Underwriter
REPORTS TO: VP of Mortgage Banking Operations

SUMMARY:

This position is responsible for reviewing and analyzing loan applications and all supporting credit and collateral documents to provide timely, prudent underwriting decisions; assess risk and ensure adherence to state & federal regulation, as well as agency and investor requirements/guidelines for the sale of the loan. This position is full time and is permitted to operate remotely.

ESSENTIAL DUTIES:

  • Authorizing & underwriting mortgage loans;
  • Review & analyze loan applications and supporting documents to determine borrower’s willingness and ability to repay, requesting additional information as needed.
  • Making loan eligibility decisions and approving or rejecting applications. Documenting and effectively communicating reasons for the approval/rejection of loans.
  • Validate loan application and supporting documentation and verify that the system of record reflects correct information. Update system of record when required.
  • Complete required underwriting worksheets & checklists - i.e. Income Worksheet, QM/ATR checklist.
  • Must complete all required industry and compliance training as required by PacRes.
  • Ensure compliance with applicable federal, state and local laws and regulations.
  • Maintain knowledge of and adhere to PacRes’ internal compliance policies and procedures and take responsibility to keep up to date with changing regulations and policies.

ADDITIONAL RESPONSIBILITIES:

  • Second level review of suspense and/or declines.
  • Pipeline load balance as needed.
  • Assist with Investor and Agency guideline updates as applicable.
  • Mentor and train new programs and new hires, as needed.
  • Provide professional and knowledgeable assistance and communication to customers and internal groups.
  • May be asked to second sign loan decisions for lower level authority underwriters.
  • This list of job functions is not all-inclusive. The associate will be required to perform other job-related tasks/responsibilities requested by the manager. Job duties may change as required by needs of company.

QUALIFICATIONS:

REQUIRED:
  • FHA DE and/or VA SAR Designation
  • Minimum 5 years current customer-facing mortgage underwriting experience (Frontline underwriting experience required)
  • Current knowledge of FNMA/FHLMC, FHA, USDA, and VA guidelines, standards, and practices
  • High proficiency with technology & computer navigation
  • Advanced mortgage loan appraisal review and tax return analysis skills
  • Ability to comprehend and apply multiple agency and investor guidelines
  • Demonstrate proficiency in automated underwriting applications and the ability to assess those results
  • Exceptional written & oral communication, in English
  • Ability to deliver 5-star customer service.
  • Mastery at managing priorities & deadlines
BENEFICIAL SKILLS:
  • Prior experience in imaging and workflow systems
  • Understanding of economics & accounting, active listening, judgment & decision making, critical thinking & problem solving, reading comprehension, and adaptability.

PHYSICAL REQUIREMENTS & WORKING CONDITIONS:

The physical requirements for this position are customary to that of a desk job in an office setting. It will require sitting or remaining stationary for long periods of time (e.g., working at a desk/computer), near vision & ability to see objects on the computer screen, sometimes in presence of glare or bright lighting. May occasionally need to lift and/or move up to 15 pounds, stand, walk, stoop, kneel, crouch, or use hands & arms to reach to maintain or set up computer equipment. If/when working onsite, work is performed in a climate controlled, indoor, administrative office setting. The noise level in the work environment is usually quiet to moderate, depending on meeting location.

BENEFITS:

401(K) with discretionary company match & profit sharing, Medical Insurance (Including Health Savings Account Option), Dental Insurance, Vision Insurance, Life & Disability Insurance, & PTO.

HOURS:

Monday – Friday, 8am-5pm

POSITION TITLE: Loan Partner – Pre-Approval Specialist
REPORTS TO: Branch Manager

SUMMARY:

This position is responsible for conducting client consultations and gathering required documents to complete up-front loan applications, assessing client qualifications through review of application materials and use of DU/LP, and issuing pre-approval letters. This position is full time and is permitted to operate remotely.

ESSENTIAL DUTIES:

  • Conduct client consultations to determine client qualification and potential loan programs
  • Engage directly with clients and business partners throughout life of the loan
  • Review various documents (credit reports, pay stubs, bank statements, tax and government documentation) for client qualifications
  • Research various loan programs and guidelines as needed
  • Provide credit counseling for clients as needed
  • Prepare, submit, and track any files needing credit submission
  • Provide professional and knowledgeable assistance and communication to customers and internal groups
  • Calculate, draft, and issue pre-approval letters, and edit as needed
  • Must complete all required industry and compliance training as required by PacRes
  • Ensure compliance with applicable federal, state and local laws and regulations
  • Maintain knowledge of and adhere to PacRes’ internal compliance policies and procedures and take responsibility to keep up to date with changing regulations and policies
  • This list of Job functions is not all-inclusive. The candidate will be required to perform other job-related tasks/responsibilities requested by the manager & job duties may change as required by needs of the company

QUALIFICATIONS:

  • Currently have or be willing to obtain Mortgage Licenses in WA, OR, and AZ
  • 3-5 years of experience in an Underwriting, Loan Processing, or Loan Origination
  • Current knowledge of FNMA/FHLMC, FHA, USDA, and VA guidelines, standards, and practices
  • Ability to comprehend and apply multiple agency and investor guidelines
  • Demonstrate proficiency in automated underwriting applications and the ability to assess those results
  • Strong underwriting background with knowledge of loan programs and requirements
  • Exceptional written & verbal communication, in English
  • Ability to work quickly, and work well under pressure
  • High proficiency with technology & computer navigation
  • Ability to deliver 5-star customer service
  • Mastery at managing priorities & deadlines
  • Understanding of economics & accounting, active listening, judgment & decision making, critical thinking & problem solving, reading comprehension, and adaptability

PHYSICAL REQUIREMENTS & WORKING CONDITIONS:

The physical requirements for this position are customary to that of a desk job in an office setting. It will require sitting or remaining stationary for long periods of time (e.g., working at a desk/computer), near vision & ability to see objects on the computer screen, sometimes in presence of glare or bright lighting. May occasionally need to lift and/or move up to 15 pounds, stand, walk, stoop, kneel, crouch, or use hands & arms to reach to maintain or set up computer equipment. If/when working onsite, work is performed in a climate controlled, indoor, administrative office setting. The noise level in the work environment is usually quiet to moderate, depending on meeting location.

BENEFITS:

401(K) with discretionary company match & profit sharing, Medical Insurance (Including Health Savings Account Option), Dental Insurance, Vision Insurance, Life & Disability Insurance, & PTO.

HOURS:

Monday – Friday, 8am-5pm
POSITION TITLE: Administrative Assistant
REPORTS TO: Branch Manager

SUMMARY:

This position is responsible for greeting and assisting clients, providing general support and coordination for branch office staff and remote team members, and managing the Team Leader’s email, schedule, calendar, and travel arrangements. This position will also assist with various projects and tasks, including problem solving, trouble-shooting, conducting research, organizing daily call sheets, office supply maintenance, tracking and responding to online reviews and creating basic marketing content, as needed. This position is full time and is required to work onsite at our Vancouver branch office.

ESSENTIAL DUTIES:

  • Work the front desk, maintain the office, and keep supplies stocked.
  • Provide general support to both office staff and remote team.
  • Greet and assist clients as needed
  • Scan, fax, mail, and file documents, including highly-sensitive information from borrowers.
  • Act as the point of contact for general office inquiries and either respond, or direct the question to the person best qualified to answer.
  • Manage the team leader’s email, calendar, and schedule in Outlook
  • Organize & compile Team Leader’s daily call sheets, keep them organized and up-to-date.
  • Manage team leader’s coaching homework, daily calls, and follow ups.
  • Arrange travel and leisure for team lead.
  • Conduct research and summarize findings through reports, statistics, and presentations
  • Coordinate between team lead and various departments and contacts
  • Ability to be flexible, multi-task and organize priorities in a fast-paced environment
  • Assist in team marketing efforts through ideas, planning, and execution.
  • Track, request, and respond to online reviews on behalf of the team
  • Create flyers, social media posts, and other basic marketing content
  • Assist with daily problem solving and trouble-shooting in the office and on the Loan Team.
  • This list of Job functions is not all-inclusive. The candidate will be required to perform other job-related tasks/responsibilities as requested by the manager and job duties may change as required by needs of the company.

QUALIFICATIONS:

REQUIRED:
  • High school diploma or equivalent
  • High proficiency with technology & computer navigation
  • Proficient in Excel
  • Track record of handling confidential material in a professional, ethical manner
  • Highly organized & Detail Oriented
  • Ability to work in fast-paced environment
  • Mastery of Time Management and ability to work under pressure
  • Outstanding Customer Service
  • Creative problem solving
  • Ability to take a general idea and develop the details into execution.
  • Enthusiastic, self-motivated, independent, resourceful and coach-able
  • Ability to take initiative and work with little supervision
  • Excellent written and verbal communication skills, in English
  • Ability to multi-task
  • Ability to collaborate and work together as a Team
PREFERRED:
  • 1 – 2 years’ administrative experience
  • Mortgage industry experience

BENEFITS:

  • Medical (with HSA option), Dental & Vision
  • Benefits start 1st day of the month following hire
  • PTO starting at 3 weeks per year
  • 401K with discretionary match & profit sharing
  • Optional Life & Disability Insurance
  • Personal growth and development opportunities
  • An inclusive, strong “community” atmosphere

HOURS:

Full Time, M-F, 8:00am-5pm

PHYSICAL REQUIREMENTS & WORKING CONDITIONS:

The physical requirements for this position are customary to that of a desk job in an office setting. It will require sitting or remaining stationary for long periods of time (e.g., working at a desk/computer), near vision & ability to see objects on the computer screen, sometimes in presence of glare or bright lighting. May occasionally need to lift and/or move up to 15 pounds, stand, walk, stoop, kneel, crouch, or use hands & arms to reach to maintain or set up computer equipment. If/when working onsite, work is performed in a climate controlled, indoor, administrative office setting. The noise level in the work environment is usually quiet to moderate, depending on office or meeting location.
POSITION TITLE: Technical Support Specialist
REPORTS TO: Director of Technology

SUMMARY:

PacRes is seeking a full-time technical support specialist for our IT department. This position is responsible for providing helpdesk support for employees, which may include onsite or remote diagnosis and repair, troubleshooting support requests and systems analysis; including consulting with users, to determine hardware, software, or system functionality. Hardware may include workstations, printers, peripherals, and phones. This position is permitted to operate remotely, but must be local and able to occasionally commute to/work from our Corporate Headquarters in Beaverton, Oregon.

ESSENTIAL DUTIES:

  • Work as part of a team providing end user helpdesk support for employees.
  • Perform hardware, software, and network troubleshooting.
  • Determine the best solution based on the issue and details provided by employees.
  • Track all work. Provide detailed and accurate descriptions.
  • Provide an excellent example of customer service.
  • Share technical knowledge and help mentor fellow techs/team members wherever possible.
  • Provide employees with one-on-one customer service & support as needed.
  • Direct unresolved issues/escalate to the next level of support personnel.
  • Identify and suggest possible improvements on procedures.
  • This list of Job functions is not all-inclusive. The candidate will be required to perform other job-related tasks/responsibilities requested by the manager & job duties may change as required by needs of the company.

QUALIFICATIONS:

REQUIRED:
  • Help Desk experience (3 years of relevant work experience)
  • Driver’s license
  • Proficiency with technology & computer navigation
  • Highly Proficient in Microsoft Office Suite - Word, Excel and Outlook
  • Strong desire to learn and understand our underlying software/systems/technology
  • Exceptional written & verbal communication skills, in English
  • Outstanding customer service skills
  • Mastery at managing priorities & deadlines
  • Deductive reasoning & troubleshooting skills
  • Active Directory experience
  • Professional work ethic
  • Motivated self-starter
PREFERRED:
  • Exchange management
  • PowerShell experience
  • Ring Central experience
  • Office 365 Administration
  • SharePoint experience

BENEFITS:

WE OFFER QUALIFIED CANDIDATES:
  • Flexible Remote & WFH (work-from-home) options
  • Medical (with HSA option), Dental & Vision
  • Benefits start 1st day of the month following hire
  • PTO starting at 3 weeks per year
  • 401K with discretionary match & profit sharing
  • Optional Life & Disability Insurance
  • Personal growth and development opportunities
  • An inclusive, strong “community” atmosphere

HOURS:

Full Time, M-F

PHYSICAL REQUIREMENTS & WORKING CONDITIONS:

The physical requirements for this position are customary to that of a desk job in an office setting. It will require sitting or remaining stationary for long periods of time (e.g., working at a desk/computer), near vision & ability to see objects on the computer screen, sometimes in presence of glare or bright lighting. May occasionally need to lift and/or move up to 15 pounds, stand, walk, stoop, kneel, crouch, or use hands & arms to reach to maintain or set up computer equipment. If/when working onsite, work is performed in a climate controlled, indoor, administrative office setting. The noise level in the work environment is usually quiet to moderate, depending on office or meeting location.
POSITION TITLE: Project Manager
REPORTS TO: Director of Technology

SUMMARY:

PacRes is seeking to hire a seasoned Project Manager to join our team. This position is responsible for ensuring that our projects are properly planned out and completed in a timely fashion. This position is full time and is permitted to operate remotely. Candidate must reside in Pacific Time Zone.

ESSENTIAL DUTIES

  • Determine and define project scope and objectives
  • Predict resources needed to reach objectives and manage resources in an effective and efficient manner
  • Develop and manage a detailed project schedule and work plan
  • Provide project updates on a consistent basis to various stakeholders about strategy, adjustments, and progress
  • Utilize industry best practices, techniques, and standards throughout entire project execution
  • Monitor progress and adjust as needed
  • Measure project performance to identify areas for improvement
  • This list of Job functions is not all-inclusive. The candidate will be required to perform other job-related tasks/responsibilities requested by the manager & job duties may change as required by needs of the company.

QUALIFICATIONS:

REQUIRED:
  • 4+ years of project management and related experience
  • Experience using or managing projects for Salesforce
  • Experience managing software/website development projects at a high level
  • Proven ability to solve problems creatively
  • High proficiency with technology & computer navigation
  • Strong familiarity with project management software tools, methodologies, and best practices
  • Experience seeing projects through the full life cycle
  • Excellent analytical skills
  • Strong interpersonal skills and resourcefulness
  • Mastery at managing priorities & deadlines
  • Proven ability to complete projects according to outlined scope, budget, and timeline
  • Excellent written and verbal communication skills
PREFERRED:
  • Project Management Professional (PMP) certification preferred
  • Familiarity with Wrike project management software

BENEFITS:

WE OFFER QUALIFIED CANDIDATES:
  • Flexible Remote & WFH (work-from-home) options
  • Medical (with HSA option), Dental & Vision
  • Benefits start 1st day of the month following hire
  • PTO starting at 3 weeks per year
  • 401K with discretionary match & profit sharing
  • Optional Life & Disability Insurance
  • Personal growth and development opportunities
  • An inclusive, strong “community” atmosphere

HOURS:

Full Time, M-F, 8:30am-5pm

PHYSICAL REQUIREMENTS & WORKING CONDITIONS:

The physical requirements for this position are customary to that of a desk job in an office setting. It will require sitting or remaining stationary for long periods of time (e.g., working at a desk/computer), near vision & ability to see objects on the computer screen, sometimes in presence of glare or bright lighting. May occasionally need to lift and/or move up to 15 pounds, stand, walk, stoop, kneel, crouch, or use hands & arms to reach to maintain or set up computer equipment. If/when working onsite, work is performed in a climate controlled, indoor, administrative office setting. The noise level in the work environment is usually quiet to moderate, depending on office or meeting location.
POSITION TITLE: Shipping Assistant
REPORTS TO: VP of Mortgage Banking Operations

SUMMARY:

This position is entry level and is responsible for assisting the shipping department with various clerical tasks and handling large amounts of paperwork, both manually and electronically. This position is full time and is located in our corporate headquarters in Lake Oswego, Oregon.

ESSENTIAL DUTIES:

  • Receiving and processing income mail
  • Processing collateral
  • Scanning and processing incoming loan packages
  • Processing and delivering electronic or manual Final Docs to end investor
  • This list of Job functions is not all-inclusive. The candidate will be required to perform other job-related tasks/responsibilities requested by the manager & job duties may change as required by needs of the company.

QUALIFICATIONS:

  • High proficiency with technology & computer navigation
  • Ability to deliver 5-star customer service.
  • Mastery at managing priorities & deadlines
  • Fundamental knowledge of lending processes and regulatory requirements
  • Handling confidential material in a professional, ethical manner
  • Proficiency in Microsoft Office Suite & proprietary financial systems
  • Excellent collaboration & interpersonal communication skills
  • Demonstrated organizational skills
  • Ability to work independently on routine activities as well as working towards team goals and expectations
  • Active listening, judgment & decision making, critical thinking & problem solving, reading comprehension, and adaptability.

PHYSICAL REQUIREMENTS & WORKING CONDITIONS:

The physical requirements for this position are customary to that of a desk job in an office setting. It will require sitting or remaining stationary for long periods of time (e.g., working at a desk/computer), near vision & ability to see objects on the computer screen, sometimes in presence of glare or bright lighting. May occasionally need to lift and/or move up to 15 pounds, stand, walk, stoop, kneel, crouch, or use hands & arms to reach to maintain or set up computer equipment. If/when working onsite, work is performed in a climate controlled, indoor, administrative office setting. The noise level in the work environment is usually quiet to moderate, depending on meeting location.

BENEFITS:

401(K) with discretionary company match & profit sharing, Medical Insurance (Including Health Savings Account Option), Dental Insurance, Vision Insurance, Life & Disability Insurance, & PTO.

HOURS:

Monday – Friday, 8am-5pm

Job Postings

Fill out the form below, email careers@pacresmortgage.com or call Human Resources at (503) 905-4939

We are an Equal Opportunity Employer

Employment Law Posters: EEO, FMLA