Job Details

Are you an experienced, detail-oriented mortgage loan processor who can successfully aid applicants in navigating the mortgage lending process? If so, we are looking for you! We are currently seeking a skilled and high-producing mortgage processor to work with the mortgage loan officers on our team. The Loan Processor is responsible for preparing, reviewing, and managing residential mortgage loan files from application through clear-to-close using Encompass. This role ensures files are accurate, complete, compliant, and underwrite-ready while supporting self-generating Loan Officers and working closely with in-house underwriting. This role is complex and requires an understanding of the entire life of the loan. Work is performed within established policies and procedures; however, this role requires independent judgment, accountability, and ownership of assigned loan files. Issues outside normal guidelines are escalated proactively to leadership. Responsibilities: Loan File Setup & Processing (Encompass) • Receive loan files from Loan Officers and review loan applications, disclosures, and supporting documentation for accuracy and completeness • Set up and maintain loan files correctly in Encompass , including detailed data entry and document indexing • Review AUS findings for flags: Income, Appraisal, Assets, Counseling • Identify red flags early and communicate issues clearly to Loan Officers • Maintain organized, accurate, and compliant loan files at all times Underwriting & Conditions • Submit clean, complete loan files to underwriting • Review underwriting conditions in detail and coordinate condition clearing with Loan Officers and borrowers • Re-submit files accurately and in a timely manner • Stay organized with long-term due dates and achieve CTC as early as possible • Maintain clear notes and status updates in Encompass Closing & Post-Approval Support • Prepare loans for closing once clear-to-close is issued • Coordinate with title companies and closing teams as needed • Issue CDs timely for closing and balance with the Title • Review closing documentation for accuracy and completeness • Support funding and post-closing follow-up when required Pipeline & Communication • Manage multiple active loan files simultaneously • Maintain accurate loan milestones, notes, and status updates • Leave detailed notes for all parties in Encompass and Spreadsheets • Communicate proactively with Loan Officers, underwriters, and borrowers • Escalate risks or delays early to avoid missed closing dates Operational Support & Continuous Improvement • Attend loan operations and pipeline meetings as required • Identify opportunities to improve workflow efficiency and file quality • Assist with procedural improvements and best practices • Perform related duties and projects as assigned • Make weekly phone calls to all borrowers on all loans for status updates Core Competencies & Expectations • Organization, accuracy, and attention to detail • Files must be underwrite-ready , not incomplete submissions • Ownership of the assigned pipeline • Proactive communication • High level of integrity, accountability, and confidentiality Company Values & Compliance • Maintain strict confidentiality at all times • Follow all regulatory requirements and internal policies • Complete required training in a timely manner • Conduct business with honesty, transparency, and professionalism Qualifications: • 2+ years of recent mortgage processing or UW experience preferred • Hands-on experience using Encompass as a primary LOS • Strong understanding of Conventional, FHA, and VA loan guidelines • Ability to manage volume without sacrificing accuracy • STRONG organizational, detail-oriented, prioritization, and follow-up skills • Clear written and verbal communication skills • Proficiency with Microsoft Word and Excel • Professional demeanor when interacting with borrowers and internal teams – Delivering the right information at the right time to the right person Compensation: $70,000

• Loan File Setup & Processing (Encompass) • Receive loan files from Loan Officers and review loan applications, disclosures, and supporting documentation for accuracy and completeness • Set up and maintain loan files correctly in Encompass, including detailed data entry and document indexing • Review AUS findings for flags: Income, Appraisal, Assets, Counseling • Identify red flags early and communicate issues clearly to Loan Officers • Maintain organized, accurate, and compliant loan files at all timesUnderwriting & Conditions • Submit clean, complete loan files to underwriting • Review underwriting conditions in detail and coordinate condition clearing with Loan Officers and borrowers • Re-submit files accurately and in a timely manner • Stay organized with long-term due dates and achieve CTC as early as possible • Maintain clear notes and status updates in EncompassClosing & Post-Approval Support • Prepare loans for closing once clear-to-close is issued • Coordinate with title companies and closing teams as needed • Issue CDs timely for closing and balance with the Title • Review closing documentation for accuracy and completeness • Support funding and post-closing follow-up when requiredPipeline & Communication • Manage multiple active loan files simultaneously • Maintain accurate loan milestones, notes, and status updates • Leave detailed notes for all parties in Encompass and Spreadsheets • Communicate proactively with Loan Officers, underwriters, and borrowers • Escalate risks or delays early to avoid missed closing datesOperational Support & Continuous Improvement • Attend loan operations and pipeline meetings as required • Identify opportunities to improve workflow efficiency and file quality • Assist with procedural improvements and best practices • Perform related duties and projects as assigned • Make weekly phone calls to all borrowers on all loans for status updatesCore Competencies & Expectations • Organization, accuracy, and attention to detail • Files must be underwrite-ready, not incomplete submissions • Ownership of the assigned pipeline • Proactive communication • High level of integrity, accountability, and confidentialityCompany Values & Compliance • Maintain strict confidentiality at all times • Follow all regulatory requirements and internal policies • Complete required training in a timely manner • Conduct business with honesty, transparency, and professionalism

Compensation:
$70,000 per year