Mortgage Processor III

Mortgage Processor III

The Mortgage Processor III is responsible for managing the full spectrum of mortgage loan processing activities from initial application through final preparation for closing across all loan types. This role requires frequent interaction with borrowers, real estate professionals, and third-party partners to ensure all documentation and conditions are met in accordance with investor, regulatory, and internal guidelines. The Mortgage Processor III is dedicated to ensuring loans close on time and providing an exceptional experience for borrowers.

Review, prioritize, and process a high-volume pipeline of purchase and refinance loans across all product types. Analyze and validate loan documentation for accuracy and completeness; calculate and confirm qualifying income from a variety of sources including self-employed and complex income types in accordance with investor and agency guidelines to minimize risk and potential loss.

Review appraisal reports, including interior and exterior, Hybrid and Property Data Reports, to verify collateral eligibility. Examine preliminary title reports to ensure all requirements are met for title insurance issuance and lien perfection.

Verify the accuracy, completeness and compliance of all borrower, credit and collateral documentation to ensure adherence to investor and regulatory guidelines. Organize and prepare loan files in accordance with FHA, Fannie Mae, Freddie Mac and / or other investor requirements to ensure files are complete and prepared for underwriting and loan approval.

Validate source data to verify completeness and accuracy by assessing the documentation and services necessary for approval. Notify the appropriate parties of any missing or incomplete items required for underwriting. Ensure all borrower disclosures have been provided within the required timeframes and are accurate and within acceptable tolerances.

Maintain regular communication with borrowers, loan officers, internal staff, title companies, real estate agents and other third parties to respond to inquiries, problem solve, ensure the timely closing of loans and provide an outstanding borrower experience.

Work with Processing Team Lead to onboard and mentor new employees.

Perform other job-related duties as assigned.

High School Diploma or GED required.

3+ years of Mortgage Processing experience with Conventional and Government loan products required.

Demonstrated strong understanding and knowledge of Conventional and Government mortgage lending guidelines, principles and practices required.

Excellent judgment, decision making and written / verbal communication skills are vital. Must be able to effectively communicate and present information both in person and over the phone required.

Must exhibit the expertise and experience to be able to process all loan types. Examples include, but are not limited to, Government loans (FHA, VA, USDA), and Purchase transactions required.

Excellent time management skills with ability to work in a fast-paced environment and multi-task throughout the day required.

Strong emotional intelligence, including the ability to navigate sensitive conversations with empathy, manage stress effectively, and maintain professionalism in high-pressure situations required.

Demonstrated critical thinking skills to evaluate loan files, spot inconsistencies or missing information, and proactively troubleshoot issues to keep the process moving smoothly required.

Proven ability to meet tight deadlines with accuracy and efficiency required.

Demonstrated expertise with Microsoft Office Suite (Outlook, Excel, Word) required.

Bilingual in Spanish preferred.

We are proud to be an EEO / AA employer M / F / D / V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.