Are you a seasoned Processor who is looking to grow into a Senior role? Are you money motivated? We are seeking a polished, experienced, and highly driven Senior Mortgage Processor to join a fast-paced, high-performing mortgage team in the office 5 days a week. This is an opportunity for a sharp mortgage professional who knows how to take ownership from disclosures to closing and can expertly manage a full pipeline with speed, precision, and professionalism. If you thrive in the broker/wholesale channel, understand guidelines inside and out, and can confidently manage purchase-heavy files while keeping multiple stakeholders aligned, this role offers the chance to become a critical force behind a growing team. Base salary plus bonus for each closed loan. As the processor, you will fully own each loan once disclosures are issued - managing every stage from document collection to Clear to Close while ensuring timelines, compliance, and communication remain flawless. If you think you have what it takes to work in a fast-paced dynamic environment, we want to talk to you.
Core Responsibilities:
- Order and manage appraisals, title, payoffs, tax transcripts, insurance, and supporting documentation.
- Ensure disclosures are signed promptly and proactively follow up with borrowers when needed.
- Review loan applications (1003), income, assets, credit, contracts, and all supporting documentation for accuracy and completeness.
- Submit complete files to underwriting within 24 hours whenever possible.
- Communicate with Loan Officers immediately regarding submission delays or missing documentation.
- Manage conditional approvals by clearly communicating borrower conditions and collecting all required items quickly.
- Coordinate underwriting conditions including supplements, VOEs, updated docs, title, appraisal, and insurance requirements.
- Monitor lock expirations and proactively communicate deadlines to Loan Officers.
- Ensure Closing Disclosures are signed at least 3 days prior to settlement.
- Maintain complete and organized loan documentation across TPO platforms and LendingPad.
- Confirm title and closing package readiness prior to settlement.
- Coordinate broker compensation delivery and final funding logistics.
- Keep all files moving efficiently to ensure on-time closings.
Pipeline Expectations:
- Manage approximately 15 loans per month on average.
- Handle up to 25 loans monthly during peak periods.
- Primarily purchase transactions with exposure to all loan types.
- Support a team of Loan Officers.
- Handle files cradle-to-grave after disclosures are completed.
Ideal Candidate Profile:
- Minimum 3+ years of mortgage processing experience.
- Broker/wholesale processing experience strongly preferred.
- Strong understanding of mortgage guidelines, particularly 30/60/90-day guideline knowledge.
- Experience with purchase-heavy pipelines.
- Ability to intelligently discuss appraisals, underwriting conditions, and loan structure.
- Well-spoken, articulate, and highly professional communication style.
- Exceptional organizational and time-management skills.
- Detail-oriented with the ability to prioritize multiple files without sacrificing quality.
- Degree preferred, but not required.
Technology:
- Lending Pad experience is a plus, but not required.
- Candidates with Encompass or similar LOS experience can transition quickly.