Mortgage Loan Processor

About Us:

At Nation One Mortgage, we are a trusted and innovative mortgage firm dedicated to providing personalized lending solutions to homeowners. We pride ourselves on our commitment to excellence and a customer-focused approach. We are currently looking to add an experienced Mortgage Loan Processor to our growing team, who will play a critical role in helping clients achieve their homeownership goals.

Position Summary:

The Mortgage Loan Processor will be responsible for managing the entire loan process, from the application phase through to closing. The ideal candidate will have at least 5 years of experience in mortgage loan processing, be bilingual in Spanish, and possess in-depth knowledge of VA, FHA, and conventional loans. Additionally, a strong understanding of income calculations across various types (e.g., salaried, self-employed, commission, etc.) and experience with Byte software are required for this position. You will work closely with loan officers, underwriters, and clients to ensure that all required documentation is obtained, processed, and compliant.

Key Responsibilities:

• Process mortgage loan applications in a timely and efficient manner, ensuring full compliance with regulations and company policies.
• Verify and review loan applications, credit reports, income documents, and other necessary paperwork.
• Accurately calculate various types of income, including salary, self-employment, commission, bonuses, rental, and other forms of income, ensuring proper documentation is provided.
• Communicate with borrowers and loan officers to gather additional documentation and clarify any discrepancies in the loan file.
• Process all loan types, including VA, FHA, and conventional loans, in accordance with their specific guidelines.
• Use Byte software to manage and track loan files, generate reports, and facilitate document flow (experience preferred).
• Order and review third-party services (appraisals, title reports, etc.) and resolve any discrepancies or issues.
• Ensure timely submission of complete loan files to underwriting for approval.
• Provide regular updates to borrowers, loan officers, and other stakeholders regarding the status of loan applications.
• Maintain a high standard of customer service, ensuring borrowers are informed and satisfied throughout the loan process.
• Stay current with changes in loan guidelines, industry regulations, and company procedures.

Qualifications:

• Bilingual in Spanish and English preferred (written and spoken).
• At least 5 years of experience in mortgage loan processing.
• Proven working knowledge of VA, FHA, and conventional loan products and guidelines.
• Strong understanding of income calculation for various types (salary, self-employment, commission, rental, etc.).
• Experience with Byte software is preferred.
• Excellent attention to detail, organization, and time management skills.
• Ability to work efficiently in a fast-paced environment and handle multiple tasks at once.
• Excellent written and verbal communication skills.
• Strong interpersonal skills, with the ability to interact with diverse clients and colleagues.
• Ability to prioritize and manage time effectively.

Preferred Skills:

• Experience with a variety of loan programs beyond VA, FHA, and conventional.
• Familiarity with compliance and regulatory guidelines for mortgage lending.
• Ability to process a high volume of loans while maintaining accuracy and quality.

Benefits:

• Competitive salary based on experience.
• Comprehensive benefits package, including health, dental, and vision insurance.
• Paid time off (PTO) and holidays.
• Career advancement opportunities in a supportive, growth-oriented environment.
• Friendly, team-oriented company culture.

How to Apply:

If you meet the above qualifications and are ready to take on an exciting new role, we encourage you to apply! Please send your resume and cover letter to Tina Singleton, Director of Recruiting at tina@nationone.com or apply directly.

Nation One Mortgage is an equal opportunity employer.