Senior Mortgage Loan Processor

Senior Mortgage Loan Processor

Elite Processing Partners | Wellington, FL

Full-time | In-office

Monday–Friday, 9:00 a.m.–6:00 p.m.

Annual base compensation: $65,000, plus opportunities to earn monthly performance bonuses

Elite Processing Partners is seeking an experienced, licensed Senior Mortgage Loan Processor who can independently manage residential mortgage files from application through closing while supporting our company loan officers.

We’re looking for someone who understands mortgage guidelines, confidently analyzes borrower documentation, identifies potential underwriting issues early, and works proactively with borrowers, loan officers, and wholesale lenders to keep files moving toward closing.

The primary focus of this position is loan processing. The role also includes occasional administrative duties and assistance with compliance procedures as needed, which are an important part of supporting our team and keeping company operations organized.

What You’ll Do

 Manage an active pipeline of mortgage loans from application through closing and funding.

 Support company loan officers and assist them as needed with the files you are processing, including documentation questions, loan scenarios, lender requirements, and resolving file issues.

 Review applications, credit reports, income documentation, assets, liabilities, and supporting records for accuracy and completeness.

 Calculate qualifying income, including self-employed income, rental income, and other complex income sources.

 Identify potential underwriting issues before submission and coordinate solutions with loan officers and lenders.

 Communicate directly with borrowers to obtain documents, explain outstanding requirements, and provide timely updates.

 Prepare complete, organized loan submissions for wholesale lenders.

 Review underwriting approvals, obtain and review documentation to satisfy conditions, and follow files through clear to close.

 Coordinate appraisals, title work, insurance, verifications, and other third-party requirements.

 Monitor closing dates, rate-lock expirations, documentation deadlines, and outstanding conditions.

 Maintain accurate loan records and pipeline updates in our loan origination system.

 Maintain borrower confidentiality and follow company procedures for securely handling sensitive financial information.

 Work closely with loan officers, the branch manager, lenders, and settlement partners to support timely closings.

 Assist with administrative duties and compliance procedures as needed to support daily company operations, with the same attention to accuracy, timeliness, and follow-through applied to loan files.

 Contribute ideas that improve processing workflows, file quality, and the borrower experience.

What We’re Looking For

 10 years of residential mortgage processing experience preferred, including recent experience independently managing files from application through closing.

 Recent experience managing purchase transactions and meeting contractual closing deadlines.

 Current mortgage licensing applicable to the role and willingness to obtain and maintain all required licenses in every state where One Stop Mortgage conducts business.

 Strong working knowledge of mortgage guidelines and documentation requirements.

 Ability to interpret DU/LP findings, research agency guidelines and lender overlays, and identify documentation requirements before submission.

 Demonstrated ability to calculate qualifying income and analyze tax returns, business financials, assets, credit, and liabilities.

 Experience identifying and resolving complex file issues.

 Strong organization, attention to detail, and consistent follow-through.

 Clear, professional communication with borrowers, loan officers, underwriters, and third-party providers.

 Ability to prioritize an active pipeline and meet competing deadlines.

 Willingness to support company loan officers and assist with occasional administrative responsibilities and compliance procedures as needed.

 Confidence taking responsibility for your files and proactively addressing outstanding items.

 Availability to work in our Wellington office Monday–Friday, 9:00 a.m.–6:00 p.m.

Prior underwriting experience is a plus.

Experience That Stands Out

 Mortgage brokerage experience working with multiple wholesale lenders.

 Conventional, FHA, and VA loans.

 Self-employed borrowers and complex income scenarios.

 Non-QM, bank statement, and DSCR loans.

 ARIVE loan origination system experience.

Why Join Elite Processing Partners?

At Elite Processing Partners, you’ll work directly with our company loan officers and branch manager in an office where collaboration and clear communication matter.

Our loan programs offer opportunities to apply your expertise to a variety of borrower situations, including conventional and government loans, self-employed borrowers, and investor financing.

This role offers ownership of your pipeline, the opportunity to contribute ideas that improve how we work, and opportunities to earn monthly performance bonuses. We value processors who bring sound judgment, proactive communication, and pride in helping borrowers reach the closing table.

Compensation and Time Off

 Annual base compensation of $65,000.

 Opportunities to earn monthly performance bonuses.

 Paid federal holidays off.

 One week of paid vacation annually after one year.

 No company-provided health insurance or retirement plan at this time.

How to Apply

Please submit your résumé through Indeed and answer the following questions:

1. How many years of residential mortgage processing experience do you have, and when did you last actively process loans?

2. What mortgage licenses do you currently hold, and in which states?

3. Are you willing to obtain and maintain all required licenses in every state where One Stop Mortgage conducts business?

4. Have you independently managed mortgage files from application through closing and funding?

5. How many loans did you personally close per month in your most recent role, and what was your typical active pipeline?

6. Which loan programs and wholesale lenders have you worked with?

7. What experience do you have calculating self-employed income and processing bank statement or DSCR loans?

8. Which loan origination systems have you used? Do you have ARIVE experience?

9. Briefly describe a complex file issue you identified and how you helped resolve it.

10. Describe how you have supported loan officers while processing their files.

11. Are you comfortable assisting with occasional administrative duties and compliance procedures as needed?

12. Can you work in our Wellington office Monday–Friday, 9:00 a.m.–6:00 p.m.?

13. Does the compensation and time-off package described above meet your expectations?
We are seeking a highly motivated and detail-oriented Senior Mortgage Loan Processor to join our dynamic financial services team. In this pivotal role, you will oversee the end-to-end processing of mortgage loan applications, ensuring compliance with industry regulations and delivering exceptional customer service. Your expertise will facilitate smooth loan origination, underwriting, and closing processes, contributing to our mission of providing reliable mortgage solutions to our clients. This position offers an exciting opportunity to work within a fast-paced environment that values accuracy, compliance, and client satisfaction.

Header: Responsibilities

• Manage the complete loan processing cycle for various mortgage products, including conventional, FHA (Federal Housing Administration), VA (Veterans Affairs), and FNMA (Fannie Mae) loans, ensuring adherence to all federal and state regulations.
• Collect, review, and verify all necessary documentation such as income verification, credit reports, escrow details, and loan documentation to facilitate accurate underwriting decisions.
• Coordinate with loan officers, underwriters, escrow officers, and clients through internal communication channels to ensure timely processing and clear client communication.
• Ensure all loan files comply with TRID (TILA-RESPA Integrated Disclosure) requirements and other lending regulations to maintain industry standards of financial compliance.
• Conduct credit analysis and assess borrower eligibility by evaluating financial statements, credit reports, and other relevant data points.
• Utilize Encompass or similar mortgage servicing software to process applications efficiently while maintaining meticulous records of all loan activities.
• Prepare and review loan documentation for accuracy before submission for approval or underwriting review; ensure compliance with Fair Housing regulations and lending policies.

Header: Skills

• Extensive knowledge of FNMA guidelines, mortgage servicing procedures, and industry standards for mortgage processing.
• Proven experience in loan origination processes with a strong understanding of TILA (Truth in Lending Act), TRID compliance, and federal housing regulations.
• Strong background in credit analysis, underwriting support, and mortgage documentation management.
• Proficiency in Microsoft Office Suite (Word, Excel) along with specialized mortgage software such as Encompass or equivalent platforms.
• Excellent internal communication skills to coordinate effectively across teams and with clients; ability to explain complex financial concepts clearly.
• Familiarity with banking regulatory compliance related to mortgage lending and financial services industry knowledge of relevant legal frameworks.
• Basic math skills including 10-key typing proficiency for data entry accuracy; understanding escrow processes is a plus.
• Ability to handle multiple tasks efficiently while maintaining attention to detail in a fast-paced environment focused on customer service excellence.

This role is ideal for candidates with prior loan officer experience or those who have worked extensively within the mortgage or banking sectors seeking to advance their career in a supportive yet challenging environment. Join us in making homeownership dreams come true through dedication to excellence in mortgage processing!

Pay: $65,000.00 per year

Work Location: In person

Salary : $65,000