Mortgage Sales Associate

This is a fully remote position, open to applicants in United States.

📋 Description

• Provide an outstanding borrower experience by guiding them through the mortgage loan process from initial prequalification to closing.

• Conduct income and financial analysis.

• Prepare and distribute necessary loan disclosures.

• Review documentation to ensure completeness and accuracy.

• Coordinate the prompt submission of loan files for processing.

• Manage a pipeline of loans, tracking milestones and outstanding conditions.

• Act as a primary point of contact for borrowers and business partners throughout the loan process.

• Assist with borrower prequalification and gather initial loan documentation.

• Calculate and analyze borrower income to assess loan eligibility.

• Utilize Desktop Underwriter (DU) and evaluate findings for precision and thoroughness.

• Organize and manage communications with borrowers, real estate agents, referral partners, and other stakeholders on behalf of the Branch Manager.

• Support the loan process from contract to closing, ensuring that established milestones are achieved.

• Scrutinize mortgage loan applications, disclosures, and supporting documentation for completeness, accuracy, and compliance.

• Generate and distribute disclosure, re-disclosure, appraisal, and property valuation packages.

• Liaise with borrowers and other stakeholders to obtain, clarify, and follow up on necessary information and documentation.

• Monitor and oversee the loan pipeline by tracking outstanding conditions, documentation, and loan milestones to facilitate timely processing and closing.

• Identify any missing or deficient loan file documentation and communicate findings to the Loan Officer and/or Loan Processor for resolution.

• Collaborate with borrowers, title companies, processors, underwriters, and other stakeholders to ensure smooth loan closings.

• Maintain precise loan records and ensure adherence to CCM policies and relevant regulatory requirements.

• Provide administrative, operational, clerical, and customer service assistance to Branch Managers and lending staff as required.

• Work closely with management and team members to support various phases of the mortgage origination and processing workflow.

• Assist in managing a pipeline that may encompass conventional, non-QM, FHA, VA, USDA, renovation, and reverse mortgage loan products.

⛳️ Requirements

• High School Diploma, General Equivalency Diploma (GED), or equivalent qualification.

• Over 3 years of experience in residential mortgage processing.

• Underwriting experience is preferred.

• Familiarity with CRM and marketing automation tools is preferred.

• Willingness to pursue mortgage industry licensing as career responsibilities evolve.

• Knowledge of mortgage industry systems and software, including Desktop Underwriter (DU) and Loan Product Advisor (LPA).

• Exceptional communication and customer service skills.

• Strong prioritization and time management abilities.

• Proficiency in Microsoft Office Suite.

• Bilingual in Spanish and English is a plus.

🏝️ Benefits

• Medical, dental, and vision insurance.

• 401K plan.

• Company-provided short-term disability coverage.

• Employee assistance program.

• Wellness program.