Mortgage Loan Processor

Responsibilities

• 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
• 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
• Prepare loans for closing once clear-to-close is issued
• Care for coordination 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
• 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
• 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

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