Mortgage Loan Processor Needed ASAP!

We are seeking an experienced Mortgage Loan Processor to manage residential mortgage files from submission through Clear to Close, licensed in New York. The processor will work directly with our operations team, loan officers, underwriters, title companies, insurance agents, and borrowers to ensure files move efficiently and accurately. This is a production-based position designed for processors who thrive in a fast-paced environment and are compensated based on performance.

File Management

Review newly assigned files within 24 hours.

Verify loan documentation.

Analyze income.

Analyze assets.

Rview credit.

Review liabilities.

Review property documentation.

Identify conditions before submission.

Processing

Submit complete loan packages.

Order disclosures when required.

Order VOEs.

Order VORs.

order VOMs.

Order IRS transcripts when needed.

Order appraisals.

Review title commitments.

Review homeowners insurance.

Coordinate with escrow/title.

Underwriting

Submit loans.

Review underwriting decisions.

Create condition lists.

Collect conditions.

Review conditions before resubmission.

Communicate with underwriters.

Escalate difficult files immediately.

Communication

Maintain regular communication with Borrowers Realtors Loan Officers Title Companies Insurance Agents Attorneys Underwriters Provide updates at least every 48 hours.

Technical Requirements

High-speed internet.

Dual monitors.

Quiet work environment.

Professional headset.

Computer capable of running mortgage software.

Microsoft Office.

PDF editing software.

Performance Expectations (Non-Negotiable)

Review every assigned file within 24 hours.

Submit complete files as quickly as possible.

Never submit incomplete files knowingly.

Keep all milestones updated.

Answer internal messages promptly during business hours.

Maintain detailed notes in the LOS.

Meet company response-time requirements.

Protect borrower information at all times.

Follow company SOPs without exception.

Non-Negotiable Requirements

Failure to comply may result in immediate termination of the contract.

Accuracy

No falsifying documentation.

No document alteration.

No guideline manipulation.

No omission of material information.

Communication

Respond to company communications within two business hours.

Notify management immediately of any issue delaying a closing.

Availability

Must be available during Eastern Time business hours.

Must attend required meetings.

Must maintain internet availability.

Confidentiality

Strict confidentiality is mandatory.

Borrower information may never be:

downloaded for personal use

shared externally

copie

retained after termination

Compliance

TRID

RESPA

ECOA

HMDA

Fair Lending

Company compliance policies

Investor guidelines

Required Metrics

Average days from file assignment to submission

Average days to conditional approval

Average days to Clear to Close

Condition touch count

Suspense rate

Closing ratio

Investor quality

Number of resubmissions

Number of underwriting conditions

Error rate

Borrower satisfaction

Internal communication score

Qualifications
Minimum 4 years of mortgage processing experience Conventional FHA VA Non-QM Construction experience preferred Excellent Spanish Experience with AUS DU LP Encompass, ARIVE, or similar LOS Knowledge of TRID Ability to calculate income manually Strong understanding of agency guidelines Independent Contractor Terms (Non-Negotiable) Paid per completed file. Responsible for their own taxes and business expenses (where applicable under local law). Must use company systems only. May not solicit company clients, referral partners, or employees. May not copy company processes, databases, templates, or intellectual property. Must sign: Independent Contractor Agreement Non-Disclosure Agreement (NDA) Non-Solicitation Agreement Confidentiality Agreement Information Security Agreement

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