JMAC Lending

Underwriter

• Prepare files for Underwriter review:
• Index and resubmit new loans
• Generate fraud guard reports
• Obtain new credit and AUS as necessary
• Run flood certifications
• Assist the Underwriting department with essential clerical tasks:
• Order required supporting documentation
• For instance: desk reviews, VVOEs, RCE, PTE, etc.
• Handle adverse action requests
• Manage fraud alerts
• Provide backup reception support

Underwriting Assistant

• At JMAC Lending, we've been proudly serving our clients for over 25 years. What sets us apart is our commitment to innovation, exceptional service, and helping our partners grow their business. We go above and beyond the current market options to become the preferred lender for our clients. Our associates are highly qualified and continuously update their knowledge through ongoing education. We pride ourselves on our strong ethical standards and efficient delivery of wholesale and correspondent lending products.
• The Underwriting Supervisor, Non-Agency plays a vital role in leading a dynamic team of Non-Agency Underwriters, ensuring that loan decisions are made efficiently, accurately, and in compliance with regulations. This position offers daily leadership, support, and direction to team members, all while prioritizing quality, exceptional service, and operational efficiency. The Underwriting Supervisor will tackle the review of complex loan files, provide escalation support, and act as a knowledgeable resource on Non-QM/Non-Agency products and investor guidelines. Additionally, this role will foster collaboration with Sales, Operations, and various other departments to align with the company's objectives, while mentoring and developing team members to meet both individual and collective performance goals.
• Key Responsibilities:
• Team Management
• Ability to underwrite both NON-QM, Jumbo and Closed End Fixed Rate Second Mortgage loans
• Manage an underwriting pipeline of new loans and resubmissions, ensuring adherence to standard service level agreements
• Collaborate with the underwriting team to uphold established service level agreements
• Track underwriter pipelines to guarantee optimum productivity
• Offer guidance and support to underwriting staff as needed by management
• Apply problem-solving skills, sound judgment, knowledge, and experience to effectively address loan-level issues
• Resolve escalations from underwriters and escalate to management as necessary
• Conduct second-level reviews as directed by management
• Execute a specified number of weekly spot checks as outlined by management, reviewing loan files for accuracy, completeness, and compliance with investor and agency guidelines
• Present and escalate loan files to management when required, in accordance with company protocols
• Engage in effective communication with operations and sales teams to ensure exceptional customer service via phone and email
• Collaborate with the post-closing department on any stipulations regarding closed files, relay process outcomes to underwriters and management
• Lead underwriting meetings alongside management
• Facilitate training and coaching for new hires, including both Underwriters and Junior Underwriters
• Conduct team performance reviews and one-on-ones with management
• Participate in interviews for potential candidates with management
• Manage timecards and time-off requests
• Perform additional duties as assigned by management

Underwriting Supervisor, Non-Agency

Compliance

• Stay current on federal, state, and investor regulatory requirements and upcoming changes impacting the mortgage industry
• Interpret, analyze, and implement new regulations in collaboration with leadership
• Develop, maintain, and review compliance-related policies, procedures, and controls to ensure ongoing adherence to applicable laws and guidelines
• Advise management on risk mitigation strategies and enhancements to systems and processes
• Design, implement, and deliver compliance-related training across the organization
• Communicate regulatory changes effectively to staff and ensure timely adoption of updated policies and practices
• Partner with external counsel to review and refine JMAC’s policies and procedures
• Oversee broker and correspondent compliance, ensuring adherence to investor and agency requirements
• Manage company licensing, including state license approvals, renewals, audits, and regulatory reporting
• Support the vendor management system and ensure proper due diligence on third-party providers
• Oversee JMAC’s Anti-Money Laundering (AML) program, HMDA filings, and MERS audits
• Respond to regulatory inquiries and manage external compliance audits
• Monitor and enforce representations and warranties obligations with investors and agencies
• Review and respond to consumer complaints, loan-level compliance issues, and inquiries from operations and sales teams

Compliance Manager

Operations

• Supervise the daily operations of our correspondent lending channel, which includes loan delivery, purchasing, funding, and post-closing activities.
• Drive innovation and enhancement of operational workflows to elevate efficiency, accuracy, and turnaround times.
• Maintain vigilant oversight of the loan pipeline and purchasing timelines to ensure we consistently meet our service-level agreements (SLAs).
• Serve as the main operational liaison for correspondent lenders, addressing escalations, resolving challenges, and fostering robust business relationships.
• Facilitate the onboarding of new correspondent partners, ensuring thorough setup, training, and compliance alignment.
• Ensure transparent and proactive communication with all operational departments—including underwriting, funding, closing, post-closing, compliance, quality control, and secondary marketing—to promote synchronization, timely issue resolution, and efficient loan processing.
• Evaluate partner performance, monitor delivery quality, and ensure adherence to investor guidelines.
• Collaborate with the compliance and quality control teams to guarantee compliance with agency, investor, and regulatory standards.
• Identify operational bottlenecks, implement technological solutions, and propose policy enhancements to optimize processes.
• Perform regular reviews and audits to maintain data integrity and reduce purchase suspense conditions.
• Collaborate with all relevant operational and business units to ensure alignment with credit policies, product offerings, and service standards.
• Work with IT and systems teams to enhance platform functionality for correspondent users.
• Lead and mentor the operations team supporting the correspondent channel, offering training, guidance, and feedback on performance.
• Set clear performance metrics, monitor outcomes, and ensure accountability throughout the team.

Correspondent Operations Manager

Customer Support

• About JMAC Lending: With over 25 years of experience, JMAC Lending has been dedicated to enhancing the client experience through our cutting-edge products, outstanding service, and unwavering support. We are committed to empowering our partners and driving business growth together. Our culture is centered around exceeding current market options, making us the preferred lender for our clients. Our team boasts impressive credentials and engages in continuous learning, ensuring a perfect blend of knowledge and expertise. Built on a foundation of ethical integrity, our company efficiently and skillfully delivers competitive product pricing for both wholesale and subsidiary lending, prioritizing our clients' needs.
• The Opportunity: JMAC Lending is in search of a dedicated Client Support Representative. This exceptional individual will play a vital role in guiding and training our customers on using the broker portal and navigating the loan process. You will serve as the liaison between our valued customers, operations, and account executives, fostering collaboration and seamless communication. Your contributions will be key in cultivating and nurturing strong relationships with our brokers, driving sales growth along the way. A commitment to delivering 100% customer satisfaction is essential!
• This is a Full-Time/Fully Remote opportunity offering competitive pay ranging from $21.15-$25.85 per hour.
• Key Responsibilities
- Serve as a vital link between brokers and our operations team
- Support brokers with technical inquiries concerning imports, registrations, disclosures, uploads, pre-lock processes, and loan submissions
- Ensure clients are included in the daily rate sheet distribution
- Provide assistance to brokers through various online platforms including Client Support, Live Chat, Phone, or Email
- Lead and facilitate engaging webinar training sessions to onboard new brokers and potential prospects
- Communicate effectively with and assist customers, guiding them through the broker portal and the loan process
- Uphold the confidentiality of all employee and company information
- Set up and continually manage broker information in Salesforce and LQB (LOS System)
- Enhance the Broker department's efficiency by establishing new client logins
- Identify opportunities and challenges, taking proactive measures to resolve issues or seize opportunities
- Be prepared for potential overtime as needed
- Execute other assigned duties as required.
• Special Instructions: Does not contact or have any kind of communication with borrower(s) directly or indirectly; Does not quote rates to brokers (Refer brokers to JMAC Lending website for current rates or Account Executives); Does not perform any duties beyond listed items above unless directed by management.

Client Support Representative

Account Manager

• About JMAC Lending: over 25 years of dedicated service; mission to provide exceptional support and innovative solutions for partners.
• The Opportunity: Account Manager improves customer retention by ensuring brokers and lenders are satisfied with the loan process from submission to final disposition; maintains dialogue with Account Executives, Operations and customers.
• This is a Full-Time/Remote opportunity offering competitive pay ranging from $60k-70k plus bonus.
• Job Duties & Responsibilities: • Collaborate with Clients, Sales & Operations to proactively manage pipeline movement, expedite the loan at every milestone and mediate any challenges at the loan level.
• Review conditions for accuracy to eliminate piece mail conditions. Work and communicate with client to advocate for expediency in loan process by lessening turn times.
• Manage multiple500 projects with the ability to prioritize seamlessly, with strong attention to detail and compliance deadlines.
• Serve as liaison support for Clients, Sales and internal operations groups to identify and solve loan level or process related issues.
• Work with Sales and Operations leadership to escalate issues, facilitate transparent communication and provide winning solutions for clients.
• ·Apply calm and confidence based problem-solving techniques to successfully address and resolve issues for both internal/external clients to continuously improve processes and provide a competitive advantage through customer intimacy and operational excellence.
• Establish and promote constructive feedback from clients and share with Account Executives and Sales Leadership to help them identify sales opportunities or process efficiency ideas.
• Provide World Class service through highly disciplined follow-up and guidance to our Sales Team and Clients
• Build strong interpersonal relationships with the Production Team, Operational Associates & Clients to create a collaborative working environment, maintain high morale & foster retention among all parties.

Sales

• About JMAC Lending: With over 25 years of experience, JMAC Lending has consistently raised the bar in client service through our innovative products and outstanding support. Our commitment to empowering our partners to achieve growth is at the heart of everything we do. We strive to go beyond the typical market offerings, establishing ourselves as the lender of choice for our clients. Our team boasts impressive qualifications and actively engages in continuing education, ensuring that our expertise is complemented by real-world experience. At JMAC Lending, we pride ourselves on upholding the highest ethical standards while delivering competitive product pricing efficiently and effectively for both wholesale and correspondent lending.\n• The Opportunity: JMAC Lending is looking for an exceptional sales leader to implement strategic plans and to recruit and manage a talented team of sales managers and account executives. This year, we are focused on launching our non-delegated correspondent platform, enhancing our national wholesale lending footprint, and cultivating a strong inside sales team. Ideal candidates will boast a stellar track record in mortgage sales, demonstrating not only impressive production numbers but also a commitment to quality, along with a deep expertise in wholesale mortgage sales.\n• JMAC Lending originated as the premier wholesale lending platform and has funded over $14B in production. If you are looking to join an established mortgage lender, send in your resume today! We provide competitive compensation and a stellar benefits package including 401k matching.\n• This is a Full-Time/Hybrid Opportunity with Total Compensation ranging from $125,000 - $300,000 annually.\n• Responsibilities:\n• Oversee growth and profitability of the channel in alignment with company goals.\n• Develop and implement sales and business development strategy. Identify and exploit product, territory, technology and other market opportunities. \n• Develop, champion, and execute sales and marketing related initiatives and projects.\n• Work with marketing to establish successful marketing programs and ensure the leads are managed to provide a strong return on investment. \n• Recruit, retain and develop Wholesale, Non-Delegated and Inside Sales talent\n• Lead the sales team to utilize sales systems to manage opportunity, pipeline and contacts using the CRM, LOS, Business Intelligence and other systems.\n• Develop and implement sales talent and performance management plan to recruit, onboard, develop, coach Sales Managers and Account Executives. Provide leadership and coaching to sales management. Conduct performance reviews based on campaigns and quarterly goals for Sales Managers and Account Executives.\n• Identify, develop and utilize business intelligence and KPIs to ensure the team attains all performance goals.\n• Provide seamless execution of the company’s business process and procedures that exceed customer’s expectations. Ensure clients are onboarded, educated and trained on all products and processes.\n• Engage with strategic clients and align relationships between customers and JMAC Lending management.\n• Maintain team compliance with all policies and regulations and demonstrate personal leadership and accountability in this regard.\n• Develop and manage an annual budget for cost of sales. Develop effective incentive and compensation programs for sales.\n• Provide regular feedback and understanding of JMAC Lending’s competitive position from sales and clients.\n• Perform additional duties as needed to maintain and grow profitable and productive business.