VOE Specialist

Moder

7d•Onsite

About The Position

The Verification of Employment (VOE) Specialist is responsible for verifying the employment and income of mortgage applicants to support the loan underwriting process. This role serves as the primary point of contact between lenders and employers, ensuring employment information is accurate, complete, and compliant with mortgage industry guidelines. The specialist plays a critical role in minimizing lending risk by validating employment data against the Uniform Residential Loan Application (Form 1003) and adhering to Fannie Mae, Freddie Mac, FHA, VA, and RESPA requirements.

Requirements

Proficiency in Microsoft Office, particularly Excel and Outlook.
Ability to maintain accurate documentation and reporting.
High School diploma required.
2–3 years of experience in a call center or customer service environment.
High-energy individual with a positive attitude and a strong willingness to learn.

Nice To Haves

Familiarity with mortgage industry software and loan origination systems is preferred.
Bachelor’s degree preferred.
Mortgage industry experience is preferred.

Responsibilities

Conduct 40+ outbound calls daily to employers and Human Resources departments to complete Verbal Verifications of Employment (VVOE).
Verify employment status, job title, dates of employment, and income information for mortgage applicants.
Review and authenticate employment-related documents, including W-2 forms, pay stubs, and tax returns, ensuring accuracy and consistency.
Compare verified information against the Uniform Residential Loan Application (Form 1003) and identify any discrepancies.
Escalate income inconsistencies, employment concerns, or potential fraud indicators to the appropriate stakeholders.
Maintain a minimum Quality Assurance (QA) score of 95% while ensuring zero compliance errors.
Ensure all employment verifications comply with Fannie Mae, Freddie Mac, FHA, VA, and RESPA guidelines.
Handle borrowers' confidential and personally identifiable information (PII) with the highest level of security and professionalism.
Provide exceptional customer service while communicating with employers, borrowers, and internal teams.
Follow up with employers and borrowers via email when required to obtain verification or supporting documentation.
Maintain accurate documentation of all communications and verification activities within mortgage systems.
Review, update, and maintain Excel reports and tracking logs.
Demonstrate strong attention to detail while managing multiple tasks in a fast-paced environment.
Collaborate with underwriting, processing, and quality assurance teams to ensure timely loan processing.
Comply with all company policies and procedures.
Maintain regular and punctual attendance.
Performs other related duties as assigned.