Mortgage Investigator

Do you have mortgage experience (lending, underwriting, etc.)? Do you have strong written and verbal communication skills for report writing and interviewing?  Are you ready to join a team dedicated to protecting the public? Come work with us at the Utah Department of Commerce, Division of Real Estate - apply today!
 

**This position is NOT eligible for remote work. 

RESPONSIBILITIES
In this position you will be responsible for investigating potential violations of the Utah Residential Mortgage Practices and Licensing Act. Most cases are complaint driven, prescreened, and assigned to an investigator's case load. It will be your responsibility to conduct interviews, request and review documentation, write comprehensive investigative reports and communicate effectively with complainants and respondents. Your responsibilities will include, but not be limited to the following:

• Communicating professionally.
• Conducting investigations.
• Managing a high-volume caseload (30+ cases), demanding meticulous attention to detail and excellent organization skills.
• Ensuring compliance with applicable state laws, regulations, and/or agency rules, standards, and guidelines, etc.
• Maintaining detailed investigation records and preparing reports, highlighting the need for strong writing skills to communicate your findings effectively.
• Completing necessary administrative duties.
• Acting as an expert witness. Giving testimony and recommendations in court cases and/or hearings.

MINIMUM REQUIREMENTS

• Willingness to place mortgage license (if applicable) on inactive status.
• Experience working in the mortgage industry.
• Experience in preparing reports, documentation, or communications.
• Background in roles that required effective communication and interpersonal skills, especially in handling inquiries or complaints.
• Proficiency with Word & Excel.

PREFERENCE
Preferences may be given to applicants with the following:

• Experience as a licensed mortgage loan originator or lending manager, providing a solid understanding of industry practices and terminology.
• Investigative experience, previous work in a role that required investigative skills, such as in law enforcement, compliance, fraud investigation, or regulatory oversight.
• Conducting fact-finding interviews, demonstrating the ability to gather and analyze information effectively.
• Legal or regulatory experience, working with legal documents, contracts, or in a regulatory environment, providing a strong foundation for understanding complex legal and compliance issues.
• Project or case management experience, managing multiple cases or projects simultaneously, demonstrating organizational skills and attention to detail.
• Proficiency with PowerPoint, Google Docs, and Google Sheets.

WHY YOU SHOULD JOIN OUR TEAM
If you join our team, you will be eligible for a rich benefits package, generous paid time off, and great work-life balance. You can learn more about offered benefits here. Please visit our website for more information about our agency.
 
AGENCY
Department of Commerce is the licensing and registration agency for Utah's professional and business community. We provide oversight of business registrations, trademarks, Uniform Commercial Code filings, professional licensing, consumer protection, public utilities, securities, real estate and residential mortgage lending. You can learn more about the agency by visiting the website.
 
BENEFITS

• Health Insurance - Public Employee Health Program (PEHP):
  1. 3 medical plan options. Choose a Traditional or High Deductible Health Plan. There is an Opt-Out Cash Benefit option for those that have other medical insurance coverage.
  2. 5 dental plan options, with an Opt-Out Cash Benefit option for those that have other dental insurance coverage.
  3. 4 vision plan options under EyeMed or OptiCare
• Retirement - Utah Retirement Systems (URS):
  1. Employees who have any service credit with an employer covered by the Utah Retirement Systems prior to 7/1/2011 are in the Tier I Public Employees System.
  2. Employees hired on or after 7/1/2011 and who have never been in the URS retirement system have two options for retirement in the Tier II System.
     • Tier 2 Hybrid Retirement System. Employer contributes an amount equal to 10% of your salary between both plans (pension and 401(k))
     • Tier 2 Defined Contribution Plan. Employer contributes an amount equal to 10% of your salary to a 401(k) plan only.
  3. Employer contributions to your 401(k) are vested after four years.
• Paid Time Off:
  1. Annual leave and sick leave are accrued at 4 hours per pay period each (4 hours annual, 4 hours sick).
  2. Annual leave amounts increase with years of service.
  3. We have 12 paid holidays.

Supplemental Information:

• Job Classification: Investigator II, Non POST (83151). 
• Valid driver license required to drive a motor vehicle on a highway in this state per UCA53-3-202(1)(a).

Please note, a position's eligibility for remote work is established by agency management and is subject to change at their discretion at any time and for any reason.

• DHRM rules apply for promotions/transfers.

As a condition of employment with the Department of Commerce, employees shall receive compensatory time off in lieu of payment in cash for all overtime worked under the Fair Labor Standards Act (FLSA).

• Risks found in the typical office setting, which is adequately lighted, heated and ventilated, e.g., safe use of office equipment, avoiding trips and falls, observing fire regulations, etc.
• Work requires some physical exertion such as long periods of standing, walking over rough terrain or rocky surfaces; recurring bending, crouching, stooping, stretching, reaching, lifting moderately heavy items (up to 50 lbs.) or similar activities.