PROCESSOR

Join the GEM Mortgage Team!

Ready to be part of a leading mortgage lender that truly puts clients first At VERO Mortgage, a division of Golden Empire Mortgage, we've been a respected leader in the industry for nearly 40 years, guided by our core belief that our borrowers' interests come first. We're dedicated to providing clients with expert financing advice and believe that everyone deserves access to credit.

Our mission is to build long-lasting relationships with borrowers and real estate partners, be an employer of choice with growth opportunities for our team members, and operate as a trustworthy, financially sound enterprise that positively influences our communities.

At Golden Empire Mortgage, our LEADER values guide everything:

•    Loyalty to our team, borrowers, and partners.

•    Excellence in all we do.

•    Accountability—we take ownership.

•    Driven for continuous improvement.

•    Engaged to deliver success.

•    Reliability you can count on.

If you're passionate about making a real difference in people's lives, delivering exceptional service, and growing your career with a company that truly values its people and its purpose, we invite you to explore opportunities with us. Come join VERO Mortgage and help us empower clients and communities!

Job summary

Under general supervision of the Branch Manager, the Loan Processor is responsible for preparing mortgage documents for loan approval, advising mortgage lenders of needed documents according to established regulations and procedures and working with the title/escrow company towards “closing” of loan file.

Essential job functions

• Set up new files

                        - Ordering appraisals

                        - Order title commitments, flood certifications, and other property certifications as required

                        - Customer contact regarding conditions required on loan approval

                        - Send for verifications as needed

• Process active files for final approval

                        - Re-submit for automated approval after verification of assets and income

                        - After loan approval, call customers and realtors with any conditions

• Issue closing instructions to closing department.

                        - Order survey

                        - Order final inspections

                        - Follow up on underwriting conditions still outstanding

                        - Check loan amount, interest rate, etc. in computer for accuracy

                        - Have evidence of POC’s

• Constantly monitor lock expirations and close dates

                       - Inform the loan officer immediately of any change in closing date, etc.

• Coordinate closings with title/escrow company.
• Follow up on missing conditions.
• Other duties as assigned.

Minimum requirements

• Advanced knowledge of processing FHA, VA and Conventional loans preferred.
• High School or GED required.

Knowledge, Skills, and Abilities

• Ability to produce detailed and accurate documents.
• Ability to communicate effectively.
• Ability to work independently without direct supervision.
• Ability to perform work timely and accurately in a fast-paced office environment.
• Organizational ability and problem solving critical.
• Ability to use various computer software programs required.
• Professional telephone skills required.

Compensation Disclosure

This is a non-exempt, hourly position. The pay range for this role is $26.00 to 36.50 per hour, depending on experience and qualifications. Overtime is paid in accordance with California state and federal labor laws. Additional compensation, such as bonuses or incentive pay, may be available based on performance and business needs.

At-Will Employment

This position is classified as at-will employment in accordance with California law. Employment may be terminated by either the employer or employee at any time, with or without cause or notice, subject to applicable law.

Work Location

This position is fully remote. Employees may perform all job duties from a location outside of their main office or branch location, subject to reliable internet access and compliance with company policies.

Equal Opportunity Employer

VERO Mortgage and Golden Empire Mortgage are Equal Opportunity Employers. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate on the basis of race, color, religion, sex (including pregnancy, childbirth, or related medical conditions), gender, gender identity or expression, sexual orientation, marital status, national origin, ancestry, age, physical or mental disability, medical condition, genetic information, military or veteran status, or any other characteristic protected under federal, state, or local law.

Reasonable Accommodations

VERO Mortgage is committed to providing reasonable accommodation for qualified individuals with disabilities during the application or recruitment process. If you need assistance or accommodation, please contact us at HR@gemcorp.com.

California Consumer Privacy Notice

VERO Mortgage, a division of Golden Empire Mortgage, may collect personal information from job applicants for purposes related to employment consideration. We are committed to handling your information in compliance with the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA). To learn more about how we collect, use, and protect your information, please review our Privacy Policy https://gemcorp.com/page/privacy-notice .