What are the responsibilities and job description for the Mortgage Loan Processor position at Cross Country Mortgage?
Remote
We are seeking a dedicated Senior Mortgage Loan Processor to join our team at CrossCountry Mortgage in a remote capacity. This role is for an experienced processor who can take a loan from contract to clear to close, communicate effectively with all parties involved, and confidently manage a pipeline of 15 to 25 active loan files at a time.
The ideal candidate will have 3 to 5 years of mortgage loan processing experience and a strong background in handling Conventional, FHA, VA, and USDA loans. This individual must also have experience with Encompass, knowledge of Texas down payment assistance programs, and familiarity with builder accounts and new construction transactions.
We are looking for someone who is highly organized, proactive, detail-oriented, and capable of keeping files moving efficiently while delivering an exceptional experience to borrowers, referral partners, and internal team members.
Key Responsibilities- Manage residential mortgage loans from contract to clear to close
- Handle a consistent pipeline of 15 to 25 active loan files
- Review loan applications and supporting documentation for completeness and accuracy
- Collect and organize all required borrower documentation, including income, assets, credit, liabilities, and property-related items
- Prepare and submit complete loan files to underwriting
- Review underwriting conditions and work proactively to clear conditions quickly and accurately
- Maintain communication with borrowers, loan officers, underwriters, title companies, real estate agents, builders, and internal operations staff
- Monitor loan milestones, contract deadlines, lock expirations, and closing dates to keep files on track
- Process and manage loans involving Conventional, FHA, VA, and USDA financing
- Handle files involving Texas down payment assistance programs
- Process builder and new construction transactions, including builder incentives, addenda, contract changes, and timeline coordination
- Ensure all files meet company, agency, investor, and compliance standards before closing
- Identify issues early and help create solutions to keep loans moving forward
- 3 to 5 years of recent mortgage loan processing experience
- Experience in a Senior Mortgage Loan Processor or high-capacity mortgage processing role
- Proven ability to manage 15 to 25 active files consistently
- Strong working knowledge of Encompass
- Experience processing Conventional, FHA, VA, and USDA loans
- Knowledge of Texas down payment assistance programs
- Experience working with builder accounts, new construction files, or homebuilder-related transactions
- Strong knowledge of mortgage documentation, underwriting submission, and condition management
- Excellent communication and follow-up skills
- Strong organizational skills and attention to detail
- Ability to work independently in a remote environment while maintaining productivity and responsiveness
- Experience with Texas programs such as TSAHC, TDHCA, SETH, or similar down payment assistance programs
- Experience with first-time homebuyer programs and layered financing
- Strong understanding of compliance timelines and closing coordination
- Experience working in a fast-paced retail mortgage environment
- Files are structured and submitted cleanly
- Conditions are cleared quickly and thoroughly
- Borrowers and partners are consistently updated
- Contract dates and builder timelines are protected
- Loans move efficiently from contract to closing
- The processor takes ownership of the file and helps drive results
- Highly experienced and confident
- Calm under pressure
- Strong communicator
- Solutions-focused
- Detail-oriented
- Urgent and dependable
- Able to take ownership and keep a file moving without constant oversight
Senior Mortgage Loan Processor
Remote
We are seeking a dedicated Senior Mortgage Loan Processor to join our team at CrossCountry Mortgage. This role is for an experienced processor who can manage residential mortgage loans from contract to clear to close while consistently handling 15 to 25 active files in a fast-paced environment.
Requirements- 3 to 5 years of mortgage loan processing experience
- Strong Encompass experience
- Ability to manage 15 to 25 active loan files consistently
- Experience with Conventional, FHA, VA, and USDA loans
- Knowledge of Texas down payment assistance programs
- Builder account or new construction experience preferred
- Strong communication, organization, and condition management skills
- Process loans from contract to clear to close
- Collect and review documentation
- Submit files to underwriting
- Manage and clear conditions
- Coordinate with borrowers, loan officers, title companies, builders, and agents
- Keep files on track for closing while ensuring accuracy and compliance
We are looking for someone who is proactive, detail-oriented, and knows how to keep files moving.