Job Description

Loan Processor

Mission Loans is seeking experienced mortgage professionals who thrive in a fast-paced environment while maintaining a focus on quality of work and delivering an exceptional customer experience. As a Loan Processor, your primary mission is to serve as the primary point of contact for borrowers, process loans from set-up to funding, and ensure quality packaging and timely progression through all critical fulfillment milestones, ultimately delivering a best-in-class customer experience.

Primary Duties & Responsibilities:

• Overall responsibility for processing loans from set-up to funding, ensuring accurate packaging, timely progression through all critical fulfillment milestones, and delivering a best-in-class customer experience.
• Serve as the primary point of contact for the borrower throughout the loan fulfillment process, including communicating clearly, frequently, and effectively to guide them through the loan process seamlessly.
• Review and validate borrower information is and remains accurate in the LOS, as well as all loan documentation submitted by the borrower and third-party service providers is complete, accurate, and verified.
• Process loan files by (i) verifying and analyzing credit, income, assets, and collateral against AUS findings, (ii) reviewing the loan package to ensure it complies with company and/or investor guidelines, and (iii) complete and accurate packaging of the loan for submission to underwriting and closing.
• Partner with production, underwriting, closer-funders, and third-party service providers (i.e. title, verifications, notary) to resolve problems, qualification issues, and clear conditions throughout the fulfillment process.
• Timely prepare, validate, and deliver Revised Loan Estimates, Interim &/or Re-Disclosures, and Closing Disclosures following regulatory and company guidelines.
• Operate to meet and exceed customer expectations.
• Operate in a manner that promotes loan quality and compliance with lending laws.
• Maintain loan pipeline productivity and quality performance at or above required goals.

Skills & Abilities:

• Subscribe to the mission of creating a truly customer and team-member-centric environment.
• Love to come to work every day and win.
• Highly motivated, self-starter with the ability to work independently under minimal supervision and as a team player.
• Clear, effective interpersonal skills and written and verbal communication skills.
• Ability to work in a fast-paced, multi-tasking environment and manage multiple deadlines.
• Strong problem-solving and creative thinking skills.
• Ability to learn and adapt to guideline changes.
• Strong organization, follow-through and time management skills.
• Excellent attention to detail with a commitment to accuracy and quality.
• Dependable, responsible, and able to use good judgment.

Qualifications & Experience:

• 5+ years of processing experience in high-volume mortgage setting.
• Extensive knowledge in the following loan programs/products: conventional, FHA, VA, refinance and purchase, a plus jumbo & non-QM.
• Thorough understanding of agency & investor underwriting guidelines, policies and procedures.
• Knowledge of and responsibility for compliance with state and federal regulations applicable to loan fulfillment.
• Intermediate math skills; adept at calculating income from salaried and self-employed borrowers.
• Basic proficiency in Microsoft Office products (Excel, Word, PowerPoint, etc.).
• Experience with Empower is a plus.
• Bilingual (read, write, speak) in Spanish, a plus.

Compensation: $17.00 per hour base pay, with significant bonus potential through a points-based, tiered incentive plan.

Mission Loans, LLC. is proud to be an Equal Opportunity Employer. Americor does not discriminate based on race, color, gender, disability, veteran, military status, religion, age, creed, national origin, sexual identity or expression, sexual orientation, marital status, genetic information, or any other basis prohibited by local, state, or federal law.

Notice to Agencies: Mission Loans, LLC. (the "Company") has an internal recruiting department. Mission Loans, LLC may supplement that internal capability from time to time with assistance from temporary staffing agencies, placement services, and professional recruiters ("Agency"). Agencies are hereby specifically directed NOT to contact Mission Loans, LLC. employees directly in an attempt to present candidates. The Company's policy is for the internal recruiting team or other authorized personnel to present ALL candidates to hiring managers. Any unsolicited resumes sent to Mission Loans, LLC. from a third party, such as an Agency, including unsolicited resumes sent to a Company mailing address, fax machine, or email address, directly to Company employees, or to the resume database, will be considered Company property. Mission Loans, LLC. will NOT pay a fee for any placement resulting from the receipt of an unsolicited resume. Mission Loans, LLC. will consider any candidate for whom an Agency has submitted an unsolicited resume to have been referred by the Agency free of any charges or fees.

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