Senior Mortgage Processor

Responsibilities

• Manage residential mortgage loan files from application through clear-to-close with a focus on accuracy, timeliness, and execution
• Collect, review, and organize borrower documentation in accordance with underwriting guidelines and investor requirements
• Prepare complete and well-documented files for underwriting submission
• Review disclosures for accuracy and compliance prior to delivery
• Order, track, and manage third-party services including appraisals, title work, verifications, and supporting documentation
• Clear underwriting conditions by obtaining required documentation and ensuring file completeness
• Communicate loan status, outstanding items, and closing timelines with loan officers, underwriters, borrowers, and internal stakeholders
• Maintain organized pipelines and ensure service level expectations are consistently met
• Ensure all files meet investor documentation standards, internal quality expectations, and closing readiness requirements
• Aid with operational initiatives and special projects as needed in a collaborative team environment

Requirements

• 3+ years of recent residential mortgage processing experience
• Demonstrated experience processing purchase transactions from application through closing
• Experience with Conventional, FHA, VA, and USDA loan products
• Prior Non-QM processing experience strongly preferred
• Encompass experience required
• Strong understanding of mortgage documentation standards and processing workflows
• Working knowledge of mortgage compliance requirements, including TILA and RESPA
• Exceptional organizational skills and attention to detail
• Strong communication skills with the ability to manage multiple priorities and stakeholders
• Professional demeanor aligned with a high-touch client experience
• Ability to perform successfully in an in-office, hybrid, or remote environment with clear accountability and performance expectations