Job Title: Sr. Loan Processor

Department: Operations / Loan Processing
Reports To: Processing Manager
Location: Remote
Employment Type: Full-Time

Position Overview:

We are seeking an experienced and detail-oriented Sr. Loan Processor to join our team at an independent mortgage company. This individual will be responsible for managing a pipeline of loans from submission to closing, ensuring compliance with all regulatory and investor guidelines. The ideal candidate has a deep understanding of all types of retail loans, including conventional, FHA, VA, USDA, bond loans, and jumbo products.

This is a critical role that requires strong organizational skills, the ability to prioritize and multitask in a fast-paced environment, working with multiple teams, and a commitment to delivering a smooth, timely, and accurate loan process for our clients and lending partners.

Key Responsibilities:

Process a full pipeline of retail mortgage loans, including conventional, FHA, VA, USDA, jumbo, bonds loans, and non-QM products
Review and verify all loan documentation for accuracy, completeness, and compliance with company, investor, and regulatory requirements
Communicate clearly and professionally with loan officers, underwriters, title companies, and borrowers throughout the loan process
Order and track third-party services such as appraisals, title work, VOEs, VODs, insurance, and payoffs
Maintain accurate and timely updates in the LOS (Loan Origination System) to reflect current loan status
Ensure all documentation is received and validated prior to submission to underwriting – and resubmitting conditions often
Proactively identify and resolve issues that could delay processing or closing timelines
Hold weekly pipeline reviews with loan teams to ensure all parties are on the same page regarding file status
Coordinate with title / attorney offices and internal closing department on balancing files for accurate funds to close for LEs/CDs
Stay up to date on industry guidelines, investor overlays, and compliance regulations

Qualifications:

Minimum 5 years of experience in mortgage loan processing, specifically in retail lending
Deep knowledge of Conventional, FHA, VA, USDA, Jumbo, and Non-QM guidelines and documentation requirements
Familiarity with LOS platforms such as Encompass, Byte, or similar systems, as well as Microsoft programs such as Outlook (email) and OneDrive
Excellent communication, problem-solving, and organizational skills
Ability to manage a full pipeline independently with minimal supervision
Strong attention to detail and ability to work in a deadline-driven environment
Working knowledge of TRID, RESPA, and other mortgage compliance requirements

Preferred Skills:

Experience working for an independent mortgage broker or lender
Bilingual a plus (but not required)
Prior experience in a senior or team-lead processing role

Senior Loan Processor