Kforce has a client that is seeking a Home Loan Specialist II in Saint Louis, MO. Summary: In this role, you will play a crucial role in supporting the validation of income and assets, assisting with escalations, ensuring adherence to service level agreements (SLAs), and contributing to performance metrics. The candidate will work closely with the team to ensure daily operations run smoothly, fostering continuous improvement and efficiency in the department. Duties: * Review mortgage loan files that have failed guideline checks due to Change in Circumstance (CIC), policy exceptions, or significant data changes after initial approval * Understand and apply investor guidelines (e.g., Fannie Mae, VA, FHA) related to common changes in loan amount, interest rate, LTV, appraisal value, occupancy, and credit * Perform thorough reviews of loan data in Encompass, comparing it to AUS (automated underwriting system) findings, credit reports, appraisals, and other relevant documents to identify the root cause of the failure * Troubleshoot guideline failures by evaluating potential solutions and determining the appropriate course of action * Communicate effectively with the underwriting and credit policy team to clarify guidelines, discuss potential resolutions, and obtain necessary approvals * Adhere to service level agreements (SLA) by reviewing documentation and rendering decisions in a timely manner * Work with team members and leadership to foster a supportive and cooperative work environment; Provide input for process improvements * Actively seek methods to streamline business processes related to guideline review and data variance resolution