Full-Time | On-Site — San Diego, CA
Competitive Base Salary + Performance Bonus
Are You a High-Impact Loan Processor Who Thrives on Clean Files, Fast Closings and Team Collaboration?
If you’re a detail-driven mortgage professional who enjoys accountability and moving loans efficiently from submission to clear-to-close — this role is for you.
At M5 Financial, processors are not paper pushers.
They are team players who are willing to jump in various capacities as need.
Importantly, they are also key drivers of speed, quality, and borrower experience.
About M5 Financial
M5 Financial is a high-performing broker + correspondent mortgage platform headquartered in San Diego, CA. We close multi-millions in loan volume each month and are known for fast turn times, strong operational support, and a concierge-style experience for both borrowers and Loan Officers.
Our platform is designed to remove friction, produce cleaner files, and support a 14-day average loan cycle — allowing processors to focus on execution, not chaos.
The Role
As a Mortgage Loan Processor, you will own the file once it is structured and ensure it moves efficiently through underwriting and closing.
You will be responsible for accuracy, compliance, and speed — while collaborating closely with Loan Officers, underwriters, title, and lender partners.
This full-time, on-site position is based in San Diego, CA and supports a fast-moving, high-performance production environment.
Key Responsibilities
- Serve as a subject matter expert across broker and correspondent lending guidelines
- Manage a high-volume, multi-state pipeline with confidence and urgency
- Review income, asset, credit, appraisal, title, and insurance documentation for accuracy throughout the entire loan process
- Submit clean, complete files to underwriting
- Manage underwriting conditions and resubmissions with an eagle eye for potential issues in borrower-submitted documentation
- Track and manage critical loan dates (locks, contingencies, compliance timelines)
- Communicate status updates clearly to Loan Officers and leadership
- Ensure files meet investor, lender, and regulatory requirements
- Maintain accurate notes and documentation in LOS/CRM systems
- Participate in pipeline meetings and ongoing systems training
Qualifications
- 3+ years of mortgage loan processing experience in the broker and wholesale environment (correspondent preferred)
- Strong knowledge of FHA, VA, Conventional (FNMA/FHLMC), non-QM guidelines
- Strong understanding of compliance and documentation
- Ability to manage multiple files in a fast-paced environment
- Exceptional organization, attention-to-detail communication, and follow-through
- Experience with DU and LP systems
- Experience with LOS platforms (Arive, LendingPad, Encompass, or similar)
✨ Bonus Points:
- Experience prior to 2020 (purchase-heavy markets)
- Consumer Direct or call-center mortgage experience
- Strong background in brokerage operations and transaction processing
Why Join M5 Financial
- Competitive base salary + performance bonuses
- Clean, well-structured files coming into processing
- Fast-moving, performance-driven culture
- Direct access to leadership and operations
- Career growth into senior processing or underwriting
- Quarterly team events and collaborative culture
- PTO, bank holidays, and professional development support
Job Type: Full-time
Pay: $50,000.00 - $80,000.00 per year
Benefits:
- Paid time off
- Professional development assistance
Work Location: In person
