Deal Desk

Champions Funding•Gilbert, AZ

About The Position

The Deal Desk role evaluates loan scenarios and identifies opportunities to restructure loans to meet eligibility requirements and improve approval potential. It coordinates loan restructures by reviewing borrower qualifications, loan terms, and documentation, and conducts high-cost loan reviews to identify potential compliance concerns and ensure applicable regulatory requirements are met. The role reviews and follows up on loan cancellation requests, collaborating with underwriting, sales, closing, and operations to resolve loan issues and facilitate processing and funding. It communicates loan structure recommendations and eligibility considerations to internal stakeholders, maintains accurate documentation, and monitors outstanding requests to support timely resolution. The position requires a strong understanding of Champions Funding’s proprietary Non-QM credit policies, loan programs, and applicable regulatory requirements. It also identifies recurring issues and recommends process improvements, while supporting sales and operations teams with complex loan scenarios and minimizing disruptions to the loan pipeline.

Requirements

3–5 years of experience in mortgage lending, loan processing, underwriting, closing, or a related mortgage operations role.
Strong understanding of mortgage loan structures, Non-QM products, and loan eligibility requirements.
Excellent written and verbal communication skills, with the ability to collaborate across multiple departments.
Strong analytical, organizational, and problem-solving skills, with exceptional attention to detail.
Ability to manage multiple requests, prioritize competing deadlines, and follow through on outstanding items.
Ability to work independently while contributing effectively to a fast-paced, team-oriented environment.

Nice To Haves

Sales experience, with the ability to build relationships, communicate effectively, and identify solutions that support business objectives.
Experience evaluating loan scenarios, coordinating loan restructures, and resolving complex loan issues.
Knowledge of high-cost mortgage reviews and applicable mortgage compliance requirements.
Experience with mortgage loan origination systems, preferably Encompass LOS.

Responsibilities

Evaluate loan scenarios and identify opportunities to restructure loans to meet eligibility requirements and improve approval potential.
Coordinate loan restructures by reviewing borrower qualifications, loan terms, and documentation to identify viable solutions.
Conduct high-cost loan reviews to identify potential compliance concerns and ensure applicable regulatory requirements are met.
Review and follow up on loan cancellation requests, coordinating with relevant teams to determine next steps and ensure timely resolution.
Collaborate with underwriting, sales, closing, and operations teams to resolve loan issues and facilitate smooth processing and funding.
Communicate loan structure recommendations, eligibility considerations, and potential solutions to internal stakeholders.
Maintain accurate documentation of loan restructures, high-cost reviews, and cancellation requests.
Monitor outstanding requests and follow up with appropriate departments to ensure timely responses and resolution.
Maintain a strong understanding of Champions Funding’s proprietary Non-QM credit policies, loan programs, and applicable regulatory requirements.
Identify recurring issues and recommend process improvements to enhance operational efficiency and loan quality.
Support sales and operations teams in resolving complex loan scenarios and minimizing disruptions to the loan pipeline.