Mortgage Loan Processor

3 weeks ago

Phoenix, Arizona, United States Valon Full time
About the Company

Valon is a pioneering company that is revolutionizing the mortgage industry by providing innovative solutions to homeowners. Our mission is to empower every homeowner by making the process of homeownership easier, more secure, and financially savvy.

Lending at Valon

Valon is scaling up its mortgage lending business, which aims to provide Valon homeowners with access to low-cost, streamlined mortgage loans and give Valon partners the tools they need to retain customers. As a member of the Lending department, you will play a key role in making it faster, easier, and cheaper for homeowners to get loans by reinventing the homeowner's journey.

About this Role

We are seeking a Mortgage Loan Processor to take ownership of residential mortgage loan files and fulfill the requirements necessary to advance them to closing. This person will play a key role in obtaining, reviewing, and assembling documentation, as well as preparing and submitting files. The ideal candidate has a demonstrated track record of providing exceptional customer service to both internal and external partners.

Responsibilities
  • Fund 25 brokered first mortgages or 50 brokered second mortgages at a time.
  • Process loans to meet purchase contract deadlines and rate-lock expiration dates.
  • Review new files within 48 hours of receipt, verifying compliance documents were issued within the required time frame.
  • Prioritize and monitor daily workflow to ensure all loans are being processed in a timely manner.
  • Use documentation to perform functions, such as calculating verified income or verifying assets, and update internal and external software programs accordingly.
  • Review and track all necessary documents in internal and external software programs.
  • Communicate with customers and loan officers about status updates and/or changes made to loans.
  • Proactively identify and address potential loan challenges.
  • Be resourceful to overcome loan challenges, rectify issues, and research red flags.
  • Note and record necessary and critical changes in internal and external software programs.
  • Prepare loans for underwriting and closing.
  • Clear approval and/or suspense conditions as identified by the underwriter or closer.
  • Assist with clearing of post-closing conditions to avoid financial loss.
Ideal Background
  • Bachelor's degree or equivalent work experience.
  • Thorough understanding of relevant federal rules and regulations.
  • Thorough understanding of the underwriting process and agency requirements.
  • Previous experience with relevant technology.
  • Strong written communication skills.
Minimum Qualifications
  • 3+ years of mortgage processing or underwriting experience.
  • 2+ years of experience with Encompass.
  • 2+ years of vendor management experience with regard to third-party services.
  • Knowledge of state lending laws and regulations.
  • Experience using government sites for VA and FHA files to place orders and obtain case numbers.
Location
  • On-site.
Benefits
  • Competitive salary and a 401(k) plan with a 4% annual match.
  • No weekends or late nights required.
  • Generous amount of paid time off.
  • Comprehensive, low-cost medical, dental, and vision benefits.
  • In-office snacks and drinks.
  • Quarterly possibilities for promotion and annual performance reviews.
  • Birthing and non-birthing parents receive 12 weeks of fully paid time off to focus on their new addition(s).

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