Mortgage Loan Processor

ABOUT THE ROLE

We are a growing mortgage team seeking a seasoned Loan Processor who can hit the ground running with complex Non-QM files while maintaining a high-volume pipeline with precision and calm. This is not an entry-level position — you must be able to pick up, structure, and drive files from submission to clear-to-close with minimal hand-holding.

You will be the operational backbone of our production team. You interact directly with borrowers, loan officers, underwriters, and third-party vendors. How you show up — organized, proactive, and solution-oriented — directly impacts our close rate and our reputation.

REQUIRED EXPERIENCE & QUALIFICATIONS

Non-QM Expertise (Non-Negotiable)

• Hands-on processing experience with: DSCR (Investor Cash Flow), Bank Statement loans (12 & 24 month, personal and business), 1099-only income documentation, and Profit & Loss (P&L) statement loans
• Understanding of expense ratio methodologies: uniform 50%, CPA-verified, and P&L-based
• Familiarity with Non-QM tradeline requirements, credit score overlays, and manual underwriting standards
• Ability to read and interpret Non-QM program guides and apply guidelines independently

Conventional, Government & Specialty Loans

• FHA, VA, USDA, and Conventional (Fannie/Freddie) processing — full pipeline management
• Down Payment Assistance (DPA) program knowledge: layering DPA with first mortgage products, understanding compliance and documentation requirements
• Experience streamlining refinances: identifying qualifying docs, managing title/payoffs, and accelerating timelines

CORE RESPONSIBILITIES

• Intake and review loan files for completeness and accuracy at submission
• Order and manage all third-party services: title, appraisal, flood cert, HOI, and VOE/VOD
• Identify file deficiencies early and proactively communicate resolution path to the LO — never wait for underwriting to find it first
• Restructure loan files when product or documentation changes are needed (e.g., switching from Full Doc to Bank Statement, or DSCR when borrower income falls short)
• Clear conditions and coordinate responses between underwriting, LO, and borrower
• Manage an active pipeline of up to 30 files simultaneously — tracking status, outstanding conditions, and upcoming deadlines across all files at once
• Maintain clean, organized digital files in the LOS at all times — every document indexed, every condition tracked
• Communicate clearly with borrowers: set expectations on timelines, explain document requests, and de-escalate concerns professionally
• Stay current on guideline updates, program overlays, and product changes without being prompted

SKILLS, ATTRIBUTES & WORK STYLE

Technical Skills

• Encompass (ICE Mortgage Technology) proficiency required — you must be comfortable managing milestones, conditions, document stacking, and pipeline views without training
• Comfort with document portals, e-signature platforms, CRMs, and digital communication tools
• Able to learn new systems quickly with minimal training
• Strong working knowledge of income calculation, asset documentation, and title/escrow processes

Soft Skills — Equally Required

• Stays calm under pressure: high-volume pipelines and tight deadlines are the norm, not the exception
• Friendly, clear, and professional communication with borrowers and colleagues — no one should feel like a burden
• Proactive mindset: flags problems before they become crises; surfaces solutions, not just obstacles
• Organized to the point of obsessive — every file has a status, every condition has an owner, every deadline is visible
• Goes the extra mile: willing to jump on a file late, research a guideline edge case, or reprocess a doc to save a deal

PREFERRED — NICE TO HAVE

• Experience with non-warrantable condos, LLC-vested investment properties, or asset-based qualification
• Familiarity with interest-only products and 40-year amortization structures
• Prior experience working directly with in-house underwriting teams or scenario desks
• Bilingual (English/Spanish) — a plus in our Houston market

WHAT YOU CAN EXPECT FROM US

• A lean, high-performing team that respects your expertise and doesn't micromanage
• Access to a broad Non-QM product suite including DSCR, Bank Statement, 1099, Asset Qualifier, and more
• Support infrastructure: in-house underwriting, scenario desk, and operations leadership
• Compensation structure that rewards volume and performance — not just hourly time
• A culture that values initiative, honesty, and getting deals done the right way