Mortgage Loan Processor

This is a fully remote position, open to applicants in Florida, +4 more states.

📋 Description

• Oversee a pipeline of mortgage loan files to guarantee timely advancement from submission to closing in accordance with internal SLAs.

• Examine loan files for completeness, accuracy, and compliance with company policies, investor guidelines, and regulatory standards (TRID, RESPA, ECOA, ATR/QM).

• Submit fully completed and accurate loan files to underwriting and manage all subsequent conditions, including those related to the borrower, title, appraisal, and third-party documentation.

• Actively communicate with borrowers, Loan Officers, real estate agents, and other parties to gather necessary documentation and provide status updates.

• Monitor and manage loan milestones, encompassing disclosures, conditions, and closing timelines, ensuring compliance with required timeframes.

• Order and oversee third-party services, including appraisals, title work, verifications (VOE/VOD), and flood determinations.

• Review and prepare loan disclosures (including changes of circumstance) in alignment with internal processes and compliance mandates.

• Identify and address file issues, documentation gaps, or compliance concerns early in the process to avert delays.

• Maintain precise and complete loan documentation within the loan origination system (Encompass or similar).

• Collaborate with internal teams (LOA, Underwriting, Closing, Post-Closing) to ensure seamless file progression and reduce rework.

⛳️ Requirements

• Solid understanding of mortgage regulations including TRID, RESPA, and ECOA.

• Experience with loan origination systems (Encompass preferred).

• Capability to manage a pipeline with conflicting deadlines and priorities.

• Strong problem-solving abilities with a focus on solutions.

• High level of precision and attention to detail in documentation and compliance.

• Outstanding verbal and written communication skills.

• Proficient in computer systems and software applications, including but not limited to MS Office.

• Strong organizational skills and an ability to maintain attention to detail.

• Excellent interpersonal skills necessary for effective interaction with borrowers and informational contacts.

🏝️ Benefits

• Paid time off

• Paid holidays

• Paid volunteer days

• Medical insurance

• Dental insurance

• Vision insurance

• 401(k) retirement plan

• ESOP retirement plan