Senior Mortgage Processor

Job Description

Job Description

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. Associate's or Bachelor's 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.