We are seeking an experienced Senior Mortgage Processor to manage residential mortgage loans from application through closing with an emphasis on USDA and Non-QM loan programs, while also supporting Conventional, FHA, and VA financing. This role requires a processor who consistently delivers clean loan submissions, proactively manages underwriting conditions, and keeps complex files moving efficiently. The ideal candidate thrives in a fast-paced, high-volume lending environment and partners closely with Loan Officers, Underwriters, Closers, and borrowers to ensure an exceptional customer experience and timely loan closings.
Responsibilities:
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Process and manage USDA, Non-QM, Conventional, FHA, and VA mortgage loan files from application through closing while maintaining accuracy and compliance.
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Prepare complete, high-quality loan packages that result in clean underwriting submissions and minimize suspense conditions.
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Review borrower income, assets, credit, employment, tax returns, appraisal reports, and supporting documentation to ensure loan eligibility.
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Analyze complex borrower scenarios, including self-employed borrowers, bank statement loans, DSCR loans, asset utilization, investment properties, and layered income documentation.
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Proactively manage underwriting conditions by obtaining required documentation quickly and maintaining consistent communication with borrowers, Loan Officers, Underwriters, and third-party vendors.
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Submit complete loan files to underwriting and resolve outstanding conditions to support efficient underwriting turn times and timely closings.
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Coordinate with title companies, appraisal management companies, insurance providers, employers, and other third-party partners to ensure all closing requirements are satisfied.
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Monitor loan pipelines and prioritize multiple files while consistently meeting production goals, service level agreements, and closing deadlines.
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Maintain compliance with investor guidelines, agency requirements, TRID, RESPA, ECOA, HMDA, and all applicable federal and state mortgage lending regulations.
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Deliver exceptional customer service by providing timely loan status updates, resolving borrower questions, and creating a smooth lending experience from application through funding.
Qualifications:
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High school diploma or equivalent required. Associate's or Bachelor's degree preferred.
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Minimum of 5 years of recent residential mortgage processing experience.
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Recent hands-on experience processing USDA and Non-QM mortgage loan products.
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Strong knowledge of Conventional, FHA, VA, USDA, Jumbo, and Non-QM underwriting guidelines.
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Experience reviewing income documentation, tax returns, self-employed borrower files, asset documentation, credit reports, and appraisal reviews.
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Proven ability to process complex borrower profiles, including multiple income sources, investment properties, bank statement loans, and layered loan files.
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Demonstrated success submitting complete loan files with minimal underwriting conditions.
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Experience managing a high-volume mortgage pipeline while maintaining exceptional accuracy and meeting production deadlines.
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Proficiency with loan origination systems, automated underwriting systems, mortgage processing software, and Microsoft Office.
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Excellent organizational, analytical, communication, and problem-solving skills with a strong commitment to quality and customer service.
Desired Qualifications:
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Advanced knowledge of USDA eligibility requirements, income calculations, and Rural Housing guidelines.
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Experience processing a wide variety of Non-QM loan products, including bank statement, DSCR, asset utilization, Jumbo, and investor-specific programs.
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Proven track record of maintaining clean files, low condition rates, and efficient closing timelines.
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Experience supporting high-producing Loan Officers in a fast-paced retail mortgage lending environment.
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Ability to identify potential issues early, resolve challenges proactively, and keep loan files progressing toward successful closings.
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Strong relationship-building skills with borrowers, Loan Officers, Underwriters, Closers, and third-party partners while delivering an outstanding customer experience.
