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ARO Specialist

Role overview

Qualifications

  • Two (2) to Five (5) years of experience in the mortgage industry
  • At least 2 years of direct experience in an ARO or similar credit improvement role
  • Comprehensive understanding of credit reporting
  • Strong customer service skills

Responsibilities

  • Analyzes a customer’s credit profile to establish qualification improvement opportunities
  • Educates customers on qualification improvement
  • Communicates continually with customers and other team members with status updates
  • Identify ARO opportunities within existing pipelines

Key facts

Hard skills

Other skills

  • Customer Service
  • Communication
  • Teamwork
  • Problem Solving

About the company

Taylor Morrison logo

Taylor Morrison

  • Construction
  • Large
  • 1,001–5,000
Taylor Morrison is a national homebuilder and land developer with a whole lot of heart and the fearlessness to challenge the status quo. Whether we’re supporting our customers on the cusp of change to Make Moves, inspiring our team members to uphold our culture we affectionately call TMLiving and fulfill our promise to ‘Love the Customer,’ or innovating the homebuying experience into the very best it can be, it’s our people who fuel our passion for making Taylor Morrison the perfect place to call home. We’re honored to hold the title of America’s Most Trusted® Home Builder by Lifestory Research for eight years running, and for being named one of Fortune Magazine’s World’s Most Admired Companies in 2019 and 2020 and one of Glassdoor’s Best Places to Work in 2018 and 2020. Our efforts to make the homebuilding industry more representative and inclusive have also been recognized on Bloomberg’s Gender Equality Index for the last five years. These accolades, paired with our esteemed company culture, unwavering commitment to sustainability, philanthropy and healthy living, and dedication to elevating the customer and employee experience make us a great choice for potential homebuyers and future team members alike. Today, Taylor Morrison and our family of brands build in 11 states and 19 major markets—securing us the No. 5 spot for the nation’s largest homebuilders. To make the homebuying journey as seamless as possible, we also offer a one-stop-shop experience through our suite of in-house financial services, including mortgage, title services and insurance. With a legacy spanning over 100 years, whether you’re considering joining our family as a customer, team member or valued trade partner, we can’t wait to welcome you home.

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Job description

Job Description Summary

As an ARO Specialist working for Taylor Morrison Home Funding you will provide a qualification improvement path for customers who are enrolled in the Able Ready Own program. The primary objective is to guide customers based on credit simulators that they may be better positioned to qualify for a specific loan program or obtain a lower interest rate or mortgage insurance premium.

Job Details

What You’ll Do

· Analyzes a customer’s credit profile to establish qualification improvement opportunities

· Educates customers on qualification improvement

· Communicates continually with customers and other team members with status updates

· Assumes the responsibilities of the Team Lead in the Team Lead’s absence

· Identify ARO opportunities within existing pipelines – run simulations for loans that are “Simulation ready”

· Host monthly LC refresher training courses based on enrollment quality & framework

· Routine ARO presentations for the builder partner sales teams

· Responsible for preparing bi-weekly ARO report for management review

· Perform other duties as assigned

Sound Like You?

You might be just who we’re looking for if you have…

· Two (2) to Five (5) years of experience in the mortgage industry is required, including at least 2 years of direct experience in an ARO (Able Ready Own) or similar credit improvement role.

· Comprehensive understanding of credit reporting

· Working knowledge of mortgage financing guidelines

· Strong customer service skills

FLSA Status: Non-Exempt

This position is considered a non-exempt position for purposes of wage-hour law, which means that you will be required to keep a time record and will be eligible for overtime pay.

Essential Functions:

Successful job applicants will be able to perform these functions. Reasonable accommodations will be made to enable individuals with disabilities to perform the essential functions.

  • Remote opportunities available
  • Report to Division/Corporate Office/Community daily and adhere to schedule
  • Ability to access, input, and retrieve information from a computer and/or electronic device
  • Ability to have face to face conversations with customers, co-workers and higher level manager
  • Ability to sit or stand for long periods of time and move around work environment as needed
  • Ability to operate a motor vehicle if applicable
  • Comply with company policies and procedure

Physical Demands:

  • Must be able to able to remain in a stationary position up to 50% of the time
  • The ability to frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds

*Taylor Morrison experience and/or successful completion of training program may override required education and/or experience requirement.

Job descriptions are not intended as, nor should be construed to be, exhaustive lists of all responsibilities, skills, efforts, or working conditions associated with a job.  They are intended to be accurate reflections of those principal job duties and responsibilities essential for making fair pay decisions about the job.

Taylor Morrison is an equal opportunity employer.  Taylor Morrison does not discriminate against any candidate or employee on the basis of race, national origin, sex, marital status, sexual orientation, age, disability, religion or veteran status.

Benefits of Working With Taylor Morrison

We are looking for dedicated professionals that share our values of putting the customer - and their needs - first.  In addition to a great team atmosphere, career development and advancement opportunities, we offer full-time employees an extensive benefits package, to include:

  • Competitive Compensation
  • Health Care - Medical/Dental/Visio​​n/Prescription​​ Drug Coverage
  • 401(k) with Company Matching Contributions
  • Flexible Spending Accounts
  • Disability Programs
  • Employee & Dependent Life Insurance
  • Vacation & Company Holidays
  • Tuition Reimbursement
  • Employee Home Purchase Rebate Program
  • Home Mortgage Program
  • Employee Assistance Program (EAP)

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