Loan Processor

Job Description

Job Description

Loan Processor – Manufactured Housing Lending

Position Summary
The Loan Processor manages manufactured housing loan files through the processing stage,
ensuring borrower documentation and loan information are complete, accurate, and consistent
with established credit guidelines and procedures. This role reviews and clears loan conditions,
identifies discrepancies or changes that may affect loan eligibility, and works collaboratively
with borrowers, dealers, Loan Officers, and internal teams to move loans efficiently through
Quality Control and closing. In a technology-driven lending environment, the Loan Processor
must be comfortable learning new systems, working within digital workflows, and adapting to
process improvements and automation as the business scales.

Key Responsibilities
• Review borrower conditions and supporting documentation for completeness,
accuracy, and consistency with established guidelines.
• Compare documentation with the loan application and existing file to identify
discrepancies, missing information, or changes requiring additional review.
• Validate and update borrower information, income, debts, loan calculations,
conditions, and other applicable loan data as documentation is received.
• Clear documentation conditions that meet established requirements and escalate
changes that may affect borrower eligibility, loan terms, or approval for appropriate
review.
• Maintain accurate loan documentation, conditions, file notes, and loan status within
the loan origination system.
• Communicate documentation requirements and outstanding conditions to
borrowers, dealers, Loan Officers, and internal team members as appropriate.
• Proactively manage assigned loan files and follow up on outstanding conditions to
meet established service expectations.
• Prepare completed loan files for Quality Control review, address applicable
documentation corrections, and coordinate handoff to closing.
• Follow established credit policies, procedures, compliance requirements, and
approval authority.
• Support process improvements and adoption of technology, workflows, and
automation that improve loan quality and efficiency.
Qualifications & Requirements
• 2+ years of experience in consumer lending, loan processing, underwriting support,
or a related lending operations role preferred.
• Experience in manufactured housing, chattel lending, indirect consumer lending,
auto lending, mortgage lending, or another consumer finance environment
preferred.
• Working knowledge of consumer credit, income documentation, debt obligations,
and loan qualification concepts.
• Ability to review borrower documentation, identify discrepancies, and consistently
apply established credit guidelines and documentation requirements.
• Strong technology aptitude with the ability to quickly learn and navigate loan
origination systems, digital workflows, and fintech platforms.
• Comfortable working in an evolving, technology-driven environment and adopting
new systems, workflows, automation, and process improvements.
• Strong attention to detail with a commitment to data and documentation accuracy.
• Ability to manage multiple loan files and priorities in a fast-paced environment while
meeting established service expectations.
• Strong written and verbal communication skills, with the ability to work effectively
with borrowers, dealers, Loan Officers, and internal teams.
• Sound judgment and ability to recognize when an issue requires escalation for
compliance or management review.

\nCompany Description

PorchPass is a financial technology platform built for the manufactured housing industry that connects homebuyers, dealers, and specialized lenders in one coordinated digital experience. It simplifies the financing process by organizing documents, centralizing communication and status updates, guiding customers through their loan journey, supporting compliance, helping identify competitive rates and terms, and coordinating closing, insurance, and ongoing mortgage servicing—creating a clearer, more efficient path from application through closing and beyond.

Company Description

PorchPass is a financial technology platform built for the manufactured housing industry that connects homebuyers, dealers, and specialized lenders in one coordinated digital experience. It simplifies the financing process by organizing documents, centralizing communication and status updates, guiding customers through their loan journey, supporting compliance, helping identify competitive rates and terms, and coordinating closing, insurance, and ongoing mortgage servicing—creating a clearer, more efficient path from application through closing and beyond.