Senior Mortgage Processor

Senior Residential Mortgage Loan Processor (Hybrid – NJ)

Park Ridge, NJ | Hybrid Flexibility

Base Salary to $70k plus per file Bonus

Built for Mortgage Broker Processors Who Know the Difference. If you’ve worked in the broker channel, you already know—every lender is different, every file requires strategy, and clean submissions make or break your day. We’re a boutique mortgage brokerage serving the NJ / NY / CT tri-state market, built on strong relationships with Realtors, attorneys, and repeat clients. This is a true broker environment where your expertise navigating multiple lenders, structuring deals, and solving complex scenarios is valued—not lost in a call-center pipeline

Why Broker Processors Choose This Role

• Hybrid schedule with flexibility to work from Middletown, NJ or Park Ridge,
• Real broker model – multiple wholesale lenders, no one-size-fits-all
• Manageable pipeline focused on quality submissions, not file volume
• Work alongside experienced LOs who understand how to structure deals up front
• Direct access to decision-makers—no layers of red tape
• Tight-knit team that values communication and accountability

What You’ll Do

• Manage a pipeline of residential loans across NJ, NY, and CT
• Evaluate and structure files for the right lender and program from day one
• Analyze complex borrower profiles (self-employed, layered income, multiple properties)
• Package and submit clean, broker-quality files to underwriting
• Drive condition clearing with urgency and precision
• Coordinate with title companies and attorneys (NY/NJ experience strongly preferred)
• Ensure compliance with TRID and state-specific requirements
• Maintain accurate pipeline tracking in Encompass (or similar LOS)
• Act as the central point of communication between LO, borrower, lender, and third parties

What You Bring

• 5+ years of residential processing experience in a mortgage broker environment
• Strong familiarity with multiple wholesale lenders and their nuances
• Proven ability to match deals to the right investor and avoid unnecessary conditions
• Deep knowledge of Conventional, FHA, VA, USDA, and Non-QM products
• Experience with attorney-state closings (NJ &NY)
• Advanced income calculation skills (self-employed, commission, complex borrowers)
• Highly organized with a proactive, problem-solving mindset

Compensation & Benefits

• Competitive base salary (based on experience)
• Performance incentives tied to pipeline execution
• PTO + paid holidays
• Growth opportunities within a scaling brokerage

Why This Role is Different

This isn’t a plug-and-play processing job. You’ll be trusted to think like a broker, structure deals intelligently, and take ownership of your pipeline from submission to closing.If you’re used to juggling multiple lenders, solving tough files, and take pride in getting deals to the finish line cleanly—this is the kind of team where you’ll thrive.