Mortgage Processor

About the Role

The ideal candidate will have a strong background in residential mortgage processing, with a minimum of 2 years of experience in the field. You will be working closely with borrowers, loan officers, underwriters, escrow, and title companies to ensure that all loan files are processed efficiently and in compliance with company, investor, and regulatory guidelines.

LBC Mortgage is a well-established mortgage company with over 20 years of industry experience, and we are committed to providing our employees with a supportive and collaborative work environment. Our team is dedicated to helping our customers achieve their dream of homeownership, and we are looking for a skilled and motivated Mortgage Processor to join our team.

What You Will Do

• Process residential mortgage loans from application to funding, ensuring that all documentation is complete and accurate
• Review loan applications and supporting documentation for completeness and accuracy
• Collect and analyze borrower income, asset, credit, and property documentation
• Request and obtain missing documents and conditions from borrowers
• Submit complete loan packages to underwriting
• Review underwriting conditions and coordinate condition clearing
• Communicate regularly with borrowers, loan officers, escrow, title, and other third parties
• Maintain accurate and organized loan files
• Monitor loan pipeline and ensure files move efficiently toward closing
• Ensure compliance with company, investor, and regulatory guidelines

What We Are Looking For

• Minimum 2 years of Residential Mortgage Processing experience
• Ability to calculate and review income documentation
• Experience reviewing tax returns, pay stubs, W-2s, bank statements, and credit reports
• Strong understanding of mortgage processing workflows and underwriting requirements
• Excellent communication and customer service skills
• Highly organized with strong attention to detail
• Ability to manage multiple files simultaneously
• Experience with mortgage LOS and CRM systems
• Availability to work during PST business hours

Nice to Have

• Experience processing high-volume residential loan pipelines
• Knowledge of FNMA, FHLMC, FHA, and VA guidelines
• Encompass experience is a plus

Benefits and Perks

• Competitive compensation
• Consistent loan volume
• Long-term career opportunity
• Supportive and collaborative team environment
• Opportunity for professional growth
• Fully remote position
• Flexible work schedule
• Access to cutting-edge technology and tools
• Ongoing training and development opportunities

• To stand out in your application, make sure to highlight your experience with mortgage processing software and systems, such as Encompass.
• Be prepared to provide specific examples of your experience in reviewing and analyzing loan documentation, and how you have handled complex loan scenarios in the past.
• Develop a strong understanding of mortgage processing workflows and underwriting requirements to demonstrate your expertise in the field.
• Create a portfolio that showcases your work, including examples of loan files you have processed and any relevant certifications or training you have completed.
• During the interview process, be prepared to discuss your experience working with borrowers, loan officers, and other stakeholders, and how you have maintained strong relationships with these parties.
• Research the company culture and values to ensure that you are a good fit for the team, and be prepared to ask questions about the work environment and opportunities for growth and development.
• When negotiating salary, be sure to highlight your relevant experience and skills, and be prepared to discuss your expectations for compensation and benefits.