Position Summary
Lending Hand Mortgage is seeking an experienced and detail-oriented Mortgage Loan Processor to join our growing team. The ideal candidate will have a strong understanding of conventional, FHA, VA, USDA, and non-QM loan products and possess the ability to manage a high-volume pipeline while delivering exceptional customer service.
The Mortgage Loan Processor serves as a critical liaison between borrowers, loan officers, underwriters, title companies, and other third parties to ensure accurate, complete, and timely loan files from application through closing.
Key Responsibilities
- Review loan applications and supporting documentation for completeness, accuracy, and compliance.
- Process residential mortgage loan files from application through closing.
- Collect and verify borrower income, assets, employment, credit, and other required documentation.
- Order and review appraisals, title work, flood certifications, verifications, and other third-party services.
- Submit complete and accurate loan packages to underwriting.
- Review underwriting conditions and work directly with borrowers and loan officers to obtain required documentation.
- Maintain regular communication with borrowers, real estate agents, loan officers, underwriters, and settlement agents.
- Monitor loan pipelines to ensure timely processing and on-time closings.
- Ensure compliance with federal, state, investor, and company guidelines.
- Update loan status and maintain accurate records within the Loan Origination System (LOS).
- Identify and resolve file deficiencies and processing obstacles proactively.
- Coordinate closing documentation and final approval requirements.
Required Qualifications
- Minimum 3+ years of mortgage loan processing experience.
- Strong working knowledge of FNMA, FHLMC, FHA, VA, USDA, and non-QM guidelines.
- Experience with mortgage compliance requirements including TRID and RESPA.
- Proficiency with mortgage LOS platforms such as Encompass, Arive, or similar systems.
- Ability to manage multiple files simultaneously in a fast-paced environment.
- Excellent organizational, communication, and problem-solving skills.
- Strong attention to detail and accuracy.
- Knowledge of income calculation, credit analysis, and asset documentation.
Preferred Qualifications
- 5+ years of recent mortgage processing experience.
- Experience processing correspondent, wholesale, and retail loan products.
- Familiarity with automated underwriting systems including DU and LP.
- NMLS licensing knowledge is a plus.
Skills & Competencies
- Exceptional customer service skills
- Strong time management and prioritization abilities
- Ability to work independently and collaboratively
- Critical thinking and analytical skills
- Professional verbal and written communication
- High level of integrity and confidentiality
Compensation & Benefits
- Competitive salary based on experience
- Bonus opportunities
- Health, dental, and vision insurance
- Paid time off and holidays
- Professional development and training opportunities
- Supportive team environment with growth potential
Why Join Lending Hand Mortgage?
At Lending Hand Mortgage, we are committed to delivering an exceptional mortgage experience for both our clients and referral partners. Our team values integrity, communication, and operational excellence. If you are a motivated mortgage professional who thrives in a fast-paced environment and takes pride in helping borrowers achieve homeownership, we encourage you to apply.
Apply Today and Become Part of the Lending Hand Mortgage Family!