Senior Mortgage Loan Processor

3 weeks ago


Charlotte, North Carolina, United States Sage Home Loans Corporation Full time
Job Summary

Sage Home Loans Corporation is seeking a highly skilled Senior Mortgage Loan Processor to join our team. As a key member of our mortgage business, you will play a crucial role in the loan process from pre-approval to closing.

Key Responsibilities
  • Accurately package a pipeline of loans and ensure timely and proactive communication with borrowers.
  • Handle all loan documentation and meet deadlines.
  • Determine creditworthiness of borrowers by gathering and calculating necessary credit reports, qualifying ratios, income and expense data, employment documentation, and property values.
  • Process complex loans such as Self-Employed, Government, Bond, CEMA, DPA's, etc.
  • Establish strong relationships with borrowers and work closely with them throughout the loan origination process.
  • Proactively identify and mitigate potential issues in the origination process.
  • Provide feedback to the management team on technical and operational improvements and present alternative operating models to enhance conversion.
  • Verify and analyze all necessary financial information and documentation from pre-approval to closing; ensure loan files are complete and accurate with all necessary credit and legal documents to satisfy underwriting conditions.
  • Work collaboratively with internal and external teams throughout the loan process.
Requirements
  • 3+ years of experience actively managing a pipeline of loans.
  • Deep understanding of the mortgage loan process and types of loans available.
  • Experience processing FNMA, FHLMC, FHA, VA, and Jumbo residential mortgages.
  • Thorough knowledge of conventional and government underwriting product guidelines.
  • Ability to process test cases to gain underwriting signing authority for clearing of low-mid level conditions.
  • Proactive and engaging communication with an ability to thoughtfully guide borrowers through the loan process.
  • Highly organized and able to solve problems autonomously.


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