Senior Mortgage Processor

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:

• Process and manage USDA Non-QM Conventional FHA and VA mortgage loan files from application through closing while maintaining accuracy and compliance.
• Prepare complete high-quality loan packages that result in clean underwriting submissions and minimize suspense conditions.
• Review borrower income assets credit employment tax returns appraisal reports and supporting documentation to ensure loan eligibility.
• Analyze complex borrower scenarios including self-employed borrowers bank statement loans DSCR loans asset utilization investment properties and layered income documentation.
• Proactively manage underwriting conditions by obtaining required documentation quickly and maintaining consistent communication with borrowers Loan Officers Underwriters and third-party vendors.
• Submit complete loan files to underwriting and resolve outstanding conditions to support efficient underwriting turn times and timely closings.
• Coordinate with title companies appraisal management companies insurance providers employers and other third-party partners to ensure all closing requirements are satisfied.
• Monitor loan pipelines and prioritize multiple files while consistently meeting production goals service level agreements and closing deadlines.
• Maintain compliance with investor guidelines agency requirements TRID RESPA ECOA HMDA and all applicable federal and state mortgage lending regulations.
• Deliver exceptional customer service by providing timely loan status updates resolving borrower questions and creating a smooth lending experience from application through funding.

Qualifications:

• High school diploma or equivalent required. Associates or Bachelors degree preferred.
• Minimum of 5 years of recent residential mortgage processing experience.
• Recent hands-on experience processing USDA and Non-QM mortgage loan products.
• Strong knowledge of Conventional FHA VA USDA Jumbo and Non-QM underwriting guidelines.
• Experience reviewing income documentation tax returns self-employed borrower files asset documentation credit reports and appraisal reviews.
• Proven ability to process complex borrower profiles including multiple income sources investment properties bank statement loans and layered loan files.
• Demonstrated success submitting complete loan files with minimal underwriting conditions.
• Experience managing a high-volume mortgage pipeline while maintaining exceptional accuracy and meeting production deadlines.
• Proficiency with loan origination systems automated underwriting systems mortgage processing software and Microsoft Office.
• Excellent organizational analytical communication and problem-solving skills with a strong commitment to quality and customer service.

Desired Qualifications:

• Advanced knowledge of USDA eligibility requirements income calculations and Rural Housing guidelines.
• Experience processing a wide variety of Non-QM loan products including bank statement DSCR asset utilization Jumbo and investor-specific programs.
• Proven track record of maintaining clean files low condition rates and efficient closing timelines.
• Experience supporting high-producing Loan Officers in a fast-paced retail mortgage lending environment.
• Ability to identify potential issues early resolve challenges proactively and keep loan files progressing toward successful closings.
• Strong relationship-building skills with borrowers Loan Officers Underwriters Closers and third-party partners while delivering an outstanding customer experience.