Processor - Remote - PST/MST

Job Summary:

Under the general supervision of the Processing Manager, the Processor works to ensure the integrity of the customer experience and loan processing protocols. He/she performs duties related to processing mortgage loan applications and mortgage loan documentation, with an intense focus on the customer experience. The role’s primary duties are centered around communicating with all stakeholders, gathering documentation from third parties and customers, placing/reviewing documentation, and performing data entry.

Essential Responsibilities:

• Maintain knowledge of all current conventional, processing procedures issued by the company, investors, and government agencies.
• Process a pipeline of 45 active loans
• Participate in pipeline calls with mortgage consultants and leaders.
• Ensure all critical dates within pipeline are met, including but not limited to closing dates, contingency dates, and lock expiration dates.
• Meet all company Service Level Agreements (SLAs) regarding file reviews, communication, and document gathering/follow-up.
• Communicate with customers, mortgage consultants, real estate agents, operations employees, title/escrow companies, and insurance agents to provide obtain information.
• Follow company prescribed approach when communicating with customers.
• Order credit-related documents such as credit reports, credit supplements, and non-traditional credit documentation.
• Order/obtain property related documents such as the real estate sales contract, appraisal, and solar documentation.
• Review documents for completeness and request additional information as required.
• Acceptably prepare applications for submission to underwriting.
• Obtain third party verifications, such as verifications of employment or rental history.
• Obtain required title and hazard insurances and perform related data entry.
• Obtain fraud reports, and other third-party items.
• Ensure compliance with investor/legal guidelines and directives.

Additional Responsibilities:

Other duties as assigned.

Qualifications:

• 1 years residential mortgage processing experience
• Experience with Jumbo and Non-QM required
• Experience processing a variety of NON-QM loans including bank statement, asset qualifier, P&L and DSCR loans required
• Strong customer service skills required
• High school diploma or equivalent
• College degree preferred
• Experience using Encompass preferred
• Must possess strong mathematical and judgment skills
• Must be detail-oriented, organized, and able to meet deadlines
• Must comply with industry-related regulations, requirements, and state/federal laws
• Ability to work independently to meet production and quality goals
• Proficient with Microsoft Office suite

Work Environment

• Extensive telephone usage.
• Extensive oral and written communication required.
• Regular use of computer mouse requires repetitive hand and wrist motion.
• Essential functions must be performed during regularly scheduled business hours.

Note:  We are a dynamic organization in a rapidly changing industry. Accordingly, the responsibilities associated with this job will change from time to time in accordance with the Company’s business needs. More specifically, the incumbent may be required to perform additional and/or different responsibilities from those set forth above.

Prosperity Home Mortgage, LLC is an Equal Opportunity Employer and is committed to Diversity, Equity, and Inclusion in the workplace.  We prohibit discrimination and harassment of any type based on race, color, religion, age, sex, national origin, disability status, genetic information, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.