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Home Equity Processor

Home Equity Processor

Point Digital Finance, Inc.Palo Alto, CA, US
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Job Description

Job Description

Local or 100% Remote

About Point

Real Impact, Real People : Our mission at Point is to make homeownership more valuable and accessible. Your work directly helps homeowners access their wealth, achieve financial flexibility, and realize life changing goals.

Funding : With over $175M raised from top investors like Andreessen Horowitz, WestCap, Greylock, and Prudential, we're scaling fast! You have the opportunity to join us at a pivotal stage.

Game-changing Product : We're building a category defining company in home equity. We've earned a 4.7 Trustpilot rating and an A+ from the BBB, a testament to the value we provide to our 15,000+ customers.

Great Place to Work : Our employees love working here! We are a Certified Great Place to Work and a Fortune Best Workplaces in the Bay Area.

Remote First Culture, Genuine Connection : Work from anywhere in the U.S., while staying closely connected through virtual collaboration, team gatherings, and a people-first culture.

About the role

Point is looking for an experienced Processor to join our team. You'll collect, review, and verify documents to close Home Equity Investments (HEIs), assist homeowners with their queries, and ensure all conditions are met for a smooth closing process. You'll work closely with title companies, cure title issues, and protect Point's lien position by managing title reports, payoffs, and documentation before closing.

Your responsibilities

  • Review title reports for accuracy, completeness, and eligibility.
  • Work with cross-functional teams (account managers, underwriters, and closers) to successfully bring an application to a close.
  • Review entity documents, trust documents, and divorce decrees to determine proper curative steps to ensure a clear title.
  • Use skillset and knowledge of curative clearance to obtain the documentation required to clear title report and secure Point's lien position.
  • Review and manage the processor pipeline within the set SLA.
  • Clearly communicate with homeowners, title agencies, docket partners, and outside agencies (cities, counties, government agencies, debt collection agencies, and third-party vendors).
  • Support pre-closing activities, including obtaining evidence of insurance, updated payoffs, checking fees input by underwriting, reviewing the entire body of documentation for anything missing or inaccurate, verifying ownership, and communicating closing steps to every homeowner.
  • Meet or exceed daily and monthly goals including CTC volume, call targets, and title grade clearance expectations.

About you

  • 2+ years of experience in US Mortgage Processing and / or title curative work, with an understanding of various title issues and curative measures (e.g., tax liens, probate).
  • Experience with US mortgage modifications is a plus.
  • Knowledge of common credit underwriting standards, including income and asset evaluation.
  • Ability to analyze a title report (preferred).
  • Fluency in Microsoft Office or Google Sheets, with strong computer proficiency in a paperless environment.
  • Exceptional written and verbal communication skills.
  • Meticulous attention to detail, with strong problem-solving abilities to determine the right level of detail.
  • Highly organized and able to handle a large pipeline efficiently.
  • Adaptability to evolving processes and technology, with a natural inclination toward documentation and leveraging technology for efficiency.
  • Self-motivated and organized for remote work.
  • A desire to deliver exceptional customer service.
  • Excitement about joining a later-stage tech company, with interest in real estate and fintech.

    • Our benefits

  • Generous health benefits : We provide comprehensive medical, dental, and vision plans with options for flexible spending accounts (FSA) and health savings accounts (HSA).
  • Unlimited paid time off : Recharge with unlimited paid time off and 10 company holidays.
  • Flexible remote and onsite work : Our teams work from many different locations and time zones. We support fully remote work and also have an amazing in-person environment in our downtown Palo Alto, CA HQ.
  • Fully paid parental leave : Point will supplement state Paid Family Leave (PFL) so employees receive 100% of their regular base pay, plus two additional weeks of fully paid leave after state PFL ends. In states without PFL, Point offers up to 8 weeks of paid parental leave. In addition, employees also receive 4 weeks of fully paid transition time, during which you may work 2–3 days per week while receiving full base pay.
  • Equity : We offer meaningful equity because we believe in sharing the value you help create. Your contributions directly impact our growth, and your equity gives you a stake in our future success.
  • Financial wellness : We provide 401K retirement plans for employees as well as guaranteed life insurance and short- and long-term disability coverage.
  • Extra work / life benefits : We provide monthly stipends for internet, mobile plans, wellness perks, and a one-time home office reimbursement.

    • Compensation at Point will be determined by skills, experience, and geographic location. Point has identified the expected annual base salary for this role at this level based on the market by tiers (Region | Location | Market Salary) :

  • Tier 2 | Chicago, Austin, Denver, Boston, Washington DC, San Diego | $49,300 - $66,700
  • Tier 3 | All other US metro areas | $45,900 - 62,100

    • This does not include any other potential components of the compensation package, including equity, benefits, and perks outlined above. At the launch of each position, we benchmark compensation to the appropriate role and level utilizing competitive compensation data from various data sources as references. At the offer stage, we use the signal we received from our interviews, coupled with your experience, location, and other job-related factors, to determine final compensation.

    Location Requirement : This is a remote position. However, candidates must reside in one of Point's states of operation : AL, AZ, AR, CA, CO, CT, DC, FL, GA, IL, KS, KY, MA, MD, MI, MN, MO, NV, NJ, NY, NC, OH, OR, PA, SC, TN, TX, UT, VA, or WA.

    Point is proud to be an equal-opportunity employer. We provide employment opportunities regardless of age, race, color, ancestry, national origin, religion, disability, sex, gender identity or expression, sexual orientation, veteran status, or any other protected class. Each individual at Point brings their own perspectives, work experiences, lifestyles, and cultures with them, and we believe that a more diverse team creates more innovative products, provides better services to customers, and helps us all grow and learn.

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    Processor • Palo Alto, CA, US