Our purpose – Opening up a world of opportunity – explains why we exist. Here at HSBC we use our unique expertise, capabilities, breadth and perspectives to open up new kinds of opportunity for our more than 40 million customers. We’re bringing together the people, ideas and capital that nurture progress and growth, helping to create a better world – for our customers, our people, our investors, our communities and the planet we all share.

The Mortgage Specialist is actively involved in each key aspect of the loan process and is responsible for ensuring a shortened cycle time by providing exceptional service to third parties and internal departments from Application through Funding. This individual is proficient in collecting and analyzing a broad range of credit, collateral and compliance documents related to the mortgage process, ensuring loan quality and integrity. More importantly, the Mortgage Specialist exhibits well developed communication and interpersonal skills and the ability to work effectively with consumers, underwriting, mortgage experience associates, sales representatives, third party vendors and other parties linked to the mortgage transaction.

As our Mortgage Specialist you will:

Interact with the client regarding complex situations relating to third party grants, down payment assistance and closing cost coverageEvaluate credit worthiness by completing a thorough review and evaluation of third-party mortgage documentation to assess accuracy and credit risk. Analyze international credit reports, foreign verification of employment and perform project reviews to support a credit risk decision. Analyze collateral documentation to ensure collateral supports HSBC’s overall riskEnsure a consistent and proactive approach to prior-to-doc condition clearing, in an effort to constantly increase pull-through percentage. Meet or exceed current daily production expectations while ensuring accuracy and quality standardsAdhere to all federal, state and HSBC regulatory compliance polices while maintaining HSBC Code of Ethics. Ensure that HSBC’s security interest in the mortgage is protectedUtilize professional judgement for early identification and effective resolution or escalation of issues that ariseDevelop and sustain relationships with third party vendors. Communicate and monitor quality performance and established standardsImmediately notify all necessary parties of irregularities relative to standard HSBC policy/guidelinesResponsible for pipeline management, taking ownership of loan processes, risk decisions and accountability for meeting or exceeding service level agreements with a proactive approach toward exceeding customer expectationsAchieve published standards and other key performance indicators (attendance, revenue, retention, service levels, quality, operational risk, etc.)Complete other related duties as assigned, including but not limited to: providing guidance and training to less experienced personnel. Support HSBC’s diversity programs. Adhere strictly to compliance and operational risk controls with HSBC and regulatory standards, policies and practices: report control weaknesses, compliance breaches and operational loss events

For this role, HSBC targets a pay range between $50,000 and $75,000.

The final fixed pay offer will depend on the candidate and a number of variables, including but not limited to, role responsibilities, skill set, depth of experience and education, licensing/certification requirements, internal relativity, and specific work location.

At HSBC, our overall goal is to provide a competitive Total Reward Package, with an appropriate mix of fixed pay, and variable pay, as part of an employee’s overall total compensation and benefits. Variable pay generally takes the form of discretionary, annual awards (sometimes referred to as a “bonus”). Additionally, HSBC offers a wide range of competitive and flexible benefits designed to help you improve your health and well-being, finances, and lifestyle.