Mortgage Processor

Role overview

As a mortgage processor, you will help create an excellent experience for borrowers, sales teams, and underwriting staff by preparing and managing loan files accurately and in line with company procedures. The organization emphasizes placing people in roles that match their strengths, encouraging growth, and supporting future career progression. The workplace is described as friendly, collaborative, casual yet professional, and focused on work-life balance.

Key responsibilities

• Collect, verify, enter, and update mortgage loan application data.
• Review residential loan files to confirm that all required information is complete and meets company standards, including borrower credit, assets, liabilities, employment history, loan amount, and loan type.
• Identify files that do not meet standards and recommend denial or restructuring where appropriate.
• Run automated underwriting systems after confirming that the application data is accurate and guideline-compliant.
• Order and review verification documents for income, assets, credit, and liabilities.
• Prepare and issue loan forms and disclosures for borrowers.
• Order title work, insurance documents, condo documents, appraisals, and any other property-related items needed for loan processing.
• Follow up promptly on outstanding items such as title, insurance, appraisal, and borrower conditions.
• Notify the supervisor and/or loan originator about any discrepancies in submitted or ordered loan documents.
• Submit mortgage files for underwriting review and approval.
• Prepare and send approval or denial letters to applicants by email or mail.
• Forward approved files to the closing department and the closing settlement agent or attorney.
• Use the required underwriting and closing checklists throughout the process.
• Maintain logs and pipeline reports for loans assigned to the branch queue, including new applications, approvals, cancellations, and denials.
• Communicate clearly with borrowers and/or loan originators regarding missing or delayed documentation needed for approval or final approval.
• Carry out other duties related to the role as assigned.
• Submit required conditions to the underwriter.
• Oversee the duties of a junior loan processor when applicable at the branch.

Experience and qualifications

This role requires at least two years of loan processing experience, or completion of Xinnix Training for Processing along with a branch-assigned processing mentor who has at least two years of active processing experience.

Skills needed

• Strong judgment in resolving customer service issues
• Problem-solving ability and independent decision-making
• High attention to detail and ability to manage confidential information
• Excellent verbal and written communication
• Strong interpersonal skills
• Ability to organize and prioritize workload effectively

Education

A high school diploma or equivalent is required.

Work environment and travel

This is a full-time onsite position in Lexington, SC. Travel is not required.

Compensation and benefits

The posted salary is USD 48,000 per year.

Full-time employees and their dependents are eligible for a comprehensive benefits package that may include medical, dental, vision, life insurance, short-term disability, long-term disability, a Health Savings Account, a Flexible Spending Account, and other products depending on eligibility, elections, and employee premiums. Newly hired employees can enroll in company-sponsored Medical, Dental, Life, and Voluntary benefit programs on the first day of the following month after hire. After 60 days, employees become eligible to enroll in the 401(k) plan on the first day of the following month. Eligible employees may also use the internal and external job portal to apply for transfers to other departments or positions.

Equal opportunity notice

The employer states that it values diversity and inclusion and provides equal employment opportunity to all applicants and employees. Employment decisions are made without regard to race, color, religion, age, sex, national origin, disability, marital status, veteran status, sexual orientation, gender identity or expression, or any other protected characteristic under applicable law.