Senior Loan Processor — VA & Conventional (UWM) | Ground-Floor Growth Role
DirectPath Mortgage | Miami, FL (In-Office) | Full-Time Compensation: Base salary + uncapped per-funded-file commission + defined promotion path
About DirectPath Mortgage
Direct Path Mortgage (NMLS #2783717) is an early-stage, founder-led mortgage company in Miami specializing in VA refinances — IRRRLs and cash-outs — plus conventional lending, running volume through UWM. We're building an AI-powered origination platform alongside the brokerage, with one goal: automate the busywork so the humans in the building only do high-value work.
We are a startup. That word means something here: no layers, no bureaucracy, direct access to the founder, and a real say in how this company gets built. If you want polish and process handed to you, this isn't your seat. If you want to build the process and own it, keep reading.
The Role
You are our first full-time operations hire. You'll own the processing pipeline from submission through clear-to-close and funding — VA IRRRLs, VA cash-outs, and conventional files in UWM EASE. Loan officers originate; you get files funded.
There is no one above you in this lane. As volume grows, you don't wait for a promotion to open up — you build the department, hire under yourself, and take the Head of Loan Processing title. That path is written into your offer, not implied in an interview.
What You'll Do
- Manage the pipeline of VA IRRRLs, VA cash-outs, and conventional loans in UWM EASE from submission to funding
- Review files for completeness before submission — income, assets, credit, title, insurance, payoffs
- Clear conditions fast: same-day review, same-day follow-up, no files sitting
- Handle VA specifics: COEs, funding fee exemptions, IRRRL recoupment and comparison requirements, cash-out net tangible benefit, NOVs, appraisal follow-ups
- Run and interpret AUS findings (DU/LP) on conventional files
- Communicate daily with loan officers, borrowers, title companies, and UWM account executives
- Build the processing playbook — checklists, submission standards, condition workflows — that the department will run on as we scale
Must-Haves
- 2+ years of full-cycle loan processing on the wholesale/broker side
- Hands-on experience with UWM EASE
- Direct experience processing VA IRRRLs and VA cash-out refinances
- Conventional loan processing experience (DU/LP)
- Comfortable in a fast-moving, unstructured environment — you've built checklists no one gave you
- In-office, Miami, FL
Strongly Preferred
- Bilingual — English/Spanish
- Non-delegated correspondent processing experience
- Time at a small shop or startup where you wore multiple hats
Compensation & Growth Path
- Base salary: $60,000–$70,000 depending on experience
- Per-funded-file commission: $150 per funded file, uncapped — every file you close pays you
- Milestone step-up (in writing): when the pipeline sustains 20+ fundings per month, your base increases and your title converts to Head of Loan Processing
- Realistic year-one earnings: $75,000–$95,000, scaling past $110,000 as volume ramps
Your income here is tied to throughput, not tenure. We are built to grow volume aggressively, and your comp is structured to grow with it.
Who Thrives Here
Someone who's the strongest processor at their current shop but stuck behind a title ceiling. Someone who'd rather be employee #1 with real ownership than badge #400 with a cubicle. Someone who sees a messy pipeline as a thing to fix, not a reason to complain. We move fast, we measure everything, and the pipeline doesn't wait.
Pay: $50,000.00 - $130,000.00 per year
Work Location: In person
