Mortgage Processor

• Manage a high-volume pipeline of loan applications while maintaining accuracy and efficiency
• Analyze borrower financial information, including income, assets, and debt ratios, to determine eligibility across various loan programs
• Review credit reports, titles, purchase contracts, and appraisals to identify discrepancies and ensure compliance with regulations
• Conduct verbal verifications of employment (VOEs) and communicate with borrowers about documentation deadlines
• Validate new loan submissions within 48 hours, ensuring all necessary information is logged and files are complete for underwriting
• Monitor contingency and closing timelines, notifying loan officers when adjustments are required
• Collect and organize loan documentation using established checklists to prepare files for underwriting decisions
• Apply knowledge of Freddie Mac guidelines, AllRegs, and mortgage red-flag standards to ensure loan quality
• Provide backup processing support to team members during high-volume periods or absences
• Maintain consistent communication with all parties involved to ensure smooth processing and timely updates

• Minimum of 3 years of experience in loan processing, including conforming, FHA, VA, 203K, and subprime programs
• Strong knowledge of mortgage compliance standards, including Know Before You Owe regulations
• Proficiency in QC practices, fraud detection, and systems such as Desktop Underwriter (DU) and Loan Prospector (LP)
• Skilled in using Microsoft Office applications and capable of multitasking in a fast-paced environment
• Excellent communication skills with the ability to engage effectively with borrowers and team members
• Highly organized and detail-oriented, with strong problem-solving skills
• High school diploma or equivalent required

Familiarity with Encompass and other loan processing software is preferred

• medical, vision, dental, and life and disability insurance
• eligible to enroll in our company 401(k) plan