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ABOUT CHM

Join Our Team

We’re growing and looking for highly motivated and talented individuals that have experience in mortgage banking and/or financial services and whom fit well into our culture.

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Open Positions
    • Commerce Home Mortgage has an immediate opportunity for a Final Document Specialist.

      POSITION SUMMARY:

      Responsible for receiving all incoming daily mail from TitleCompanies and County Offices. Opens mail and images into system, documentingreceipt of original recorded documents. Works with other departments and TitleOffices as needed for corrections to documents received and or requested bydepartments for corrections. Monitors and updates pending sold documents toensure they are promptly shipped to investors once purchased. Regular uses ofreports from the LOS system and Investors are used to identify and act uponaged outstanding documents with Title Companies and Attorneys’ offices topromptly provide the trailing documents for delivery to the investors.

      JOB RESPONSIBILITIES & DUTIES:

      Performs a variety of accounting functions, including, but not limited to the following:

      • Receives incoming trailing documents through various mail sources, opens and preps for imaging, scans documents into LOS system and identifies Investor on the loan for determination of mailing the trailing document to the investor
      • Performs data entry in LOS system marking document as received, and enters date shipped to the Investor of record.
      • Performs weekly reviews of trailing documents received that were not sold to an investor at time of receipt to determine if an Investor has been determine for delivery of the trailing documents received.
      • Works with Investors, Internal departments, and Settlement/Attorney offices to cure defects found in the Mortgage/Deed of Trust or Final Title Policy including re-recording if needed.
      • Performs other related duties as assigned.
      • Obtain Certified True Copies of Mortgage/Deed of Trust from County Recorder Offices and or final Title Policy copies from Settlement Agents or Attorney’s Offices when determined that the document has been lost or aged.
      • Performs follow-ups with Settlement Companies and Attorneys’ offices to obtain aged missing documents outstanding for delivery to the Investors
      • Pulls reports from LOS system to identify the aged trailing documents currently outstanding with investors.

      POSITION REQUIREMENTS:

      • High School Diploma or Equivalent.
      • Knowledge of Ellie Mae Encompass 360.
      • Excellent verbal and written communication skills, phone and customer service skills.
      • Strong computer proficiency in Word and Excel.
      • Detailed oriented and strong organizational skills.
      • Must be able to stand for long periods of time and lift up to 25 lbs
      • Knowledge of Mortgage Loan documents and Title work experience a plus

      What We Do:

      CHM is a national mortgage banking company that is certified by the US Department of the Treasury as a Community Development Financial Institution (CDFI), and a non-bank member of the Federal Home Loan Bank. Our mission is to provide financial services to the entire population of people, not just individuals that are able to meet today’s stringent documentation guidelines. We specifically aim to empower underbanked homeowners and communities by providing access to prime capital.

      * * *

      CHM is an equal opportunity employer and gives consideration for employment to qualified applicants without regard to age, race, color, religion, sex, national origin, disability or protected veteran status.

      APPLY NOW

      Commerce Home Mortgage has an immediate opportunity for a Mortgage Loan Shipper.

      POSITION SUMMARY:

      This position will be responsible for maintaining accuracy of post-closing status dates in LOS to ensure accurate reporting. This role will also review and deliver ULDD to agencies and address potential delivery delays.

      JOB RESPONSIBILITIES & DUTIES:

      Performs a variety of accounting functions, including, but not limited to the following:

      • Monitor daily aging reports
      • Maintain accuracy of post-closing status dates in LOS for accurate reporting
      • Review loan documents for accuracy, compliance and completeness
      • Ensure timely delivery of closed loan files by shipping to Investors
      • Review and deliver ULDD to agencies– Fannie Mae, Freddie Mac, Ginnie Mae
      • Addressespotential delivery delays to Supervisor immediately to avoid rate lockexpirations and possible suspense penalties

      POSITION REQUIREMENTS:

      • Solid understanding of mortgage fundamentals
      • Encompass experience
      • Proficient in using MS Office - including Excel and other relevant software
      • ULDD knowledge
      • Experience with Bond Loan Delivery (Chenoa, Idaho, CalHFA)
      • Able to maintain a high level of trust and confidentiality
      • Outstanding organizational ability with great attention to detail
      • Strong time management skills are required
      • 2 years of Loan Delivery experience to (Fannie Mae, Freddie Mac & Ginnie Mae)

      What We Do:

      CHM is a national mortgage banking company that is certified by the US Department of the Treasury as a Community Development Financial Institution (CDFI), and a non-bank member of the Federal Home Loan Bank. Our mission is to provide financial services to the entire population of people, not just individuals that are able to meet today’s stringent documentation guidelines. We specifically aim to empower underbanked homeowners and communities by providing access to prime capital.

      * * *

      CHM is an equal opportunity employer and gives consideration for employment to qualified applicants without regard to age, race, color, religion, sex, national origin, disability or protected veteran status.

      APPLY NOW

      Commerce Home Mortgage has an excellent opportunity for an Associate Corporate Counsel with 1-3 years’experience to provide general legal and compliance support to the Company andits management. As part of the Risk Department, this corporate generalist will beprimarily responsible for contract negotiation, review and drafting andmanagement, as well as helping the company comply with a complex and ever-changingbody of state and federal regulations affecting the mortgage business.

      POSITION SUMMARY:

      The position will serve as a valued businesspartner in providing legal advice and tools to various departments, including retailsales, operations and marketing. This is an excellent opportunity to learnabout all aspects of the Company’s mortgage business, enhance legal and leadershipskills, and develop an industry-wide perspective. This position reports to theGeneral Counsel and is based in Irvine, CA.

      JOB RESPONSIBILITIES & DUTIES:

      Performs a variety of accounting functions, including, but not limited to the following:

      • Primarily responsible for drafting, negotiating and reviewing a variety of commercial contracts, including agreements with vendors, mortgage brokers, lenders and investors.
      • Manage the contract and vendor management process company-wide.
      • Perform state and federal legal research, including new state entry, new products, state licensing, etc., and draft legal memoranda, state matrices, management presentations and other documents.
      • Provide day-to-day advice to compliance and business partners on a variety of subjects, including loan documentation, disclosures and real estate issues.
      • Draft compliance policies, as well as review, revise and advise business partners on policies, procedures, processes and compliance controls.
      • Monitor and report on proposed legislation, regulations and other legal developments affecting the industry.
      • Assist with state lender licensing and regulatory examinations.
      • Review marketing content and practices, including loan officer advertising, direct mail/email, internet, social media and other marketing channels.

      POSITION REQUIREMENTS:

      • Juris Doctorate from an ABA-accredited law school and a member in good standing of the California State Bar.
      • Minimum 1 - 3 years’ experience as a practicing attorney within a corporate legal department and/or private law firm. Experience with mortgage lending or other consumer financial services is preferred.Experience negotiating, reviewing and drafting commercial contracts.
      • Strong legal research, analytic and writing skills. Must be able to apply the law to the business’s operations in a practical, common sense manner, as well as distill complex legal concepts into understandable terms for non-lawyers.
      • Knowledge of state and federal consumer financial protection laws is preferred, e.g., the Truth-in-Lending Act, Equal Credit Opportunity Act, Real Estate Settlement Procedures Act, Fair Credit Reporting Act, Gramm-Leach-Bliley Privacy Act, CAN-SPAM Act, and Telephone Consumer Protection Act, Unfair, Deceptive, and Abusive Acts and Practices (UDAAP).
      • Experience interacting with state or federal regulators is a plus, e.g., CFPA, California DBO.
      • Must be highly organized and detail-oriented, as well as a strategic thinker.
      • Strong verbal and interpersonal skills with the ability to interact comfortably with all levels of management, including executives.
      • Must have intellectual curiosity and a learning mindset, as well as flexibility on the types of projects assigned.
      • Team oriented and able to work in an unstructured environment and manage several simultaneous projects under deadline pressure are required.
      • Able to travel 5 – 10% of the time.
      • Excellent PC skills, including proficiency with Microsoft Office.

      What We Do:

      CHM is a national mortgage banking company that is certified by the US Department of the Treasury as a Community Development Financial Institution (CDFI), and a non-bank member of the Federal Home Loan Bank. Our mission is to provide financial services to the entire population of people, not just individuals that are able to meet today’s stringent documentation guidelines. We specifically aim to empower underbanked homeowners and communities by providing access to prime capital.

      * * *

      CHM is an equal opportunity employer and gives consideration for employment to qualified applicants without regard to age, race, color, religion, sex, national origin, disability or protected veteran status.

      APPLY NOW

      Commerce Home Mortgage (CHM), has an immediate opening for a full-time, Sr. Staff Accountant.

      POSITION SUMMARY:

      The Sr. Staff Accountant is responsible for understanding, reviewing and approving the daily loan-level activity related to all loan sale transactions. The position is required to pro-actively communicate with all persons and coordinate between all parties as needed to execute the function and to resolve any related discrepancies or issues. Attention to detail is critical as the Sr. Staff Accountant will be accountable for daily reporting of loan and cash activity and will need to work closely and compatible with the VP Controller as well as other members of management, operations, and the finance team.

      JOB RESPONSIBILITIES & DUTIES:

      Performs a variety of accounting functions, including, but not limited to the following:

      • Maintains Fixed Assets for multiple entities.
      • Reconciles G/L accounts.
      • Maintains inter-company account records including performing consolidations.
      • Accounts for payroll activity for multiple entities.
      • Processes payments for property taxes.
      • Posts depreciation amounts and schedules.
      • Balances and processes pre-paid expenditures.
      • Balances and processes loan loss reserve report.
      • Performs daily cash management activities.
      • Researches data for, and compiles, regulatory reports, as directed.
      • Assists management and other team members in preparation of audit and exam schedules.
      • Performs other duties as assigned.

      POSITION REQUIREMENTS:

      • Four year degree from a reputable college, preferably in Accounting.
      • Intermediate mathematical knowledge and skills.
      • Basic knowledge of accounting and bookkeeping principles and procedures.
      • Knowledge of personal computers and applicable software.
      • 3-5 years related and progressive Accounting experience.
      • Strong attention to detail.
      • Ability to operate a PC, including manipulation of word processing and spreadsheet programs.

      What We Do:

      CHM is a national mortgage banking company that is certified by the US Department of the Treasury as a Community Development Financial Institution (CDFI), and a non-bank member of the Federal Home Loan Bank. Our mission is to provide financial services to the entire population of people, not just individuals that are able to meet today’s stringent documentation guidelines. We specifically aim to empower underbanked homeowners and communities by providing access to prime capital.

      * * *

      CHM is an equal opportunity employer and gives consideration for employment to qualified applicants without regard to age, race, color, religion, sex, national origin, disability or protected veteran status.

      APPLY NOW

      QC Analyst

      Irvine, CA

      POSITION SUMMARY:

      Commerce Home Mortgage (CHM), has an opening for a full-time, QC Analyst.This individual will work collaboratively with the Compliance and Risk departments to develop and maintain a rigorous company-wide Quality Control program and assist with the growth of the Company’s compliance initiatives.

      JOB RESPONSIBILITIES & DUTIES:

      • Perform Quality Control reviews of loan files in partnership with a third party QC vendor.
      • Track QC reviews, identify trends, and work with business teams to rectify issues. Proactively suggest areas for training opportunities or technological solutions.
      • Perform various Compliance reviews of loan files for federal and state regulatory compliance.
      • Report on findings and progress to management and executive level leadership.
      • Respond to QC and Compliance-related questions from business teams, including troubleshooting compliance-related issues identified by loan team members and/or compliance review software.
      • Perform ongoing testing of the Loan Origination System to ensure compliance with internal policy and applicable state and federal laws. Collaborate with business and technology teams to maintain a high standard of compliance within the Company’s originations process.
      • Support and manage research regulatory compliance research initiatives, including responses to examinations by regulatory agencies and investors.
      • Assisting with the preparation of state and federal regulatory reports as required, including but not limited to mortgage call reporting, state-specific reporting, and HMDA reporting.
      • Other duties, as assigned.

      WORK EXPERIENCE REQUIREMENTS:

      • Minimum of 4 years of experience in the mortgage origination industry is required.
      • Experience in underwriting and credit practices necessary, experience in regulatory compliance knowledge is a plus.
      • Experience in QC/QA in the mortgage industry preferred, but not required.
      • Knowledge of non-QM lending preferred, but not required.
      • Knowledge of the loan origination process required.
      • Experience with Ellie Mae Encompass Loan Origination System and related Ellie Mae products, including Mavent compliance review.

      OTHER REQUIREMENTS:

      • Ability to work independently and with little oversight, as well as ability to collaborate with compliance and other business units
      • Ability to effectively manage short and long-term projects, communicate progress to peers and management, and prioritize own work schedule.
      • Excellent oral and written communication skills. Ability to compose letters, memoranda, reports, and presentations for internal distribution.
      • Ability to understand complex problems and use critical thinking and creative problem solving to identify solutions and next steps.
      • Proficient with Microsoft Office, Excel, and Word.

      What We Do:

      CHM is a national mortgage banking company that is certified by the US Department of the Treasury as a Community Development Financial Institution (CDFI), and a non-bank member of the Federal Home Loan Bank. Our mission is to provide financial services to the entire population of people, not just individuals that are able to meet today’s stringent documentation guidelines. We specifically aim to empower underbanked homeowners and communities by providing access to prime capital.

      * * *

      CHM is an equal opportunity employer and gives consideration for employment to qualified applicants without regard to age, race, color, religion, sex, national origin, disability or protected veteran status.

      APPLY NOW

      Commerce Home Mortgage (CHM), has an immediate opening for a full-time, IT System Administrator. The ideal candidate will have (3) three or more years of system administrator experience and needs to have experience with Microsoft Exchange, Office 365, and possess server level security knowledge.

      POSITION SUMMARY:

      The IT System Administrator will be responsible for all aspects of server and storage systems at CHM. This role reports directly to the IT Manager.

      JOB RESPONSIBILITIES & DUTIES:

      • Administer Microsoft Exchange email systems, including email archiving system and mail relay security
      • Administer Office 365/Azure AD
      • Administer and maintain Microsoft Windows Active Directory and Group Policy Objects
      • Administer network file systems, administer authentication and authorization
      • Monitor and administer backup systems, perform regular backup recovery tests
      • Monitor and mitigate virus and malware intrusions
      • Perform updates and upgrades to network systems, software, and hardware as required
      • Creates diagrams and supporting documentation for all systems and storage
      • Monitor all servers and systems to ensure service availability
      • Provide escalation support to helpdesk staff
      • Assist with decisions regarding new hardware and software
      • Provide guidance for less senior members of the IT staff
      • Maintain current knowledge of technology landscape and developments
      • Participate in overall system design and changes to system infrastructure

      POSITION REQUIREMENTS:

      • (3) Three plus years system administrator experience
      • Experience with Microsoft Exchange is required
      • Experience with Office 365 is required
      • Active Directory and Group Policy experience is required
      • Strong understanding of networking concepts required
      • Understanding of hypervisor technology is required
      • Server level security knowledge is required
      • Knowledge of Microsoft systems from Windows 7 to Windows Server 2019 is required
      • Knowledge of NAS and SAN technologies
      • Light Linux skills are desirable
      • VCenter knowledge is preferred, but not required

      What We Do:

      CHM is a national mortgage banking company that is certified by the US Department of the Treasury as a Community Development Financial Institution (CDFI), and a non-bank member of the Federal Home Loan Bank. Our mission is to provide financial services to the entire population of people, not just individuals that are able to meet today’s stringent documentation guidelines. We specifically aim to empower underbanked homeowners and communities by providing access to prime capital.

      * * *

      CHM is an equal opportunity employer and gives consideration for employment to qualified applicants without regard to age, race, color, religion, sex, national origin, disability or protected veteran status.

      APPLY NOW

      Commerce Home Mortgage has been in business since 1993 and is headquartered in San Ramon, CA. Being in the San Francisco Bay area, jumbo loans are part of our DNA, but we are Fannie, Freddy and Ginnie direct and have a full range of loan programs and products with great pricing. We are expanding our retail footprint throughout California and have a need for talented, experienced Branch Managers.

       

      Job Description

      The Loan Officer Responsible for increasing the company’s mortgage loan portfolio by developing strategic business partners, attracting mortgage customers and submitting complete loan files while upholding company standards and ethics To increase the company’s mortgage loan portfolio by developing strategic business partners, attracting mortgage customers and submitting complete loan files while upholding company standards and ethics.

       

      RESPONSIBILITIES AND EXPECTATIONS OF POSITION:

      • Pass screening process and assessment
      • Satisfy all NMLS requirements (training, testing and background check)
      • Prospect daily to your database (both face-to-face and via phone)
      • Develop strategic business partners to create a strong referral network
      • Build relationships with customers and provide them with products and services to meet their changing needs
      • Exceed customer service expectations
      • Take thorough loan applications
      • Coordinate all aspects of the mortgage application process
      • Communicate effectively with peers, colleagues, and management
      • Meet minimum production standards of 4 closings per month after completion of training.

       

      CRITICAL SUCCESS FACTORS (CSF’s) – Performance Measurements:

      • Measurement #1: Demonstrate core sales and originations skills or enroll in and complete training
      • Target: Within 90 days of hire
      • Measurement #2: Average three closed transactions per month
      • Target: By the end of your 6th month
      • Measurement #3: Average four closed transactions per month
      • Targets: By the end of your 12th month

       

      JOB REQUIREMENTS

      • Exceptional work ethic
      • Strong oral and written communication skills
      • Excellent interpersonal skills
      • Superb listening skills
      • Basic presentation skills
      • Foundational sales skills
      • Quality team player

       

      KNOWLEDGE

      • Microsoft Outlook
      • Microsoft Word
      • Microsoft Excel
      • Microsoft PowerPoint
      • Database management preferred but not required
      • Knowledge of the mortgage/ real estate market

      * * *

      CHM is an equal opportunity employer and gives consideration for employment to qualified applicants without regard to age, race, color, religion, sex, national origin, disability or protected veteran status.

      APPLY NOW
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