Job Description
Mphasis Digital Risk’s mission to Make Mortgages Safe relies on the perfect blending of human experience and state-of-the-art technology to serve its workforce and clients.
Digital Risk’s 1,500+ team members make us one of the largest mortgage outsource providers in the U.S., supplying appraisal and mortgage processing, underwriting and closing to the largest banks and loan originators.
*Position Location*- This position has the option of becoming Hybrid (this is only an option for Carrollton, TX employees)
* Candidates are required to be in the office for training and ramp Monday-Friday for the first 4-6 months
* To qualify for Hybrid, candidates are required to achieve and maintain documented performance metrics
* Work from home days are pre-determined by the business
*Position Overview:*
The Mortgage Loan Processor will be responsible for performing a variety of loan documentation duties on complex loan packages and ensure compliance with policies and procedures for loan products. Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills.
*Essential Job Functions:*
* Manage an assigned pipeline of 35-50 plus loans on a daily and weekly basis
* Process loans from application to closing including but not limited to:
* Collecting and analyzing documents to submit to Underwriting for final approval
* Communicating expectations, requirements and program details though established communication standards
* Maintain daily workflow prioritization to ensure pipeline management meets required closing dates
* Order all required verifications, documentation and subsequent follow-ups and ensures all timeframes and compliance requirements are being met
* Verify conditions of approval which may include customer income/assets documentation, resolves routine title issues including vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens and reconveyances
* Provide excellent customer service to internal and external clients by demonstrating expertise, thoroughness, thoughtfulness, politeness and enthusiasm
* Ensure customer service surveys maintain the rating level designated by management
* Communicate with all parties involved in the transaction to keep them informed of file status
* Review and analyze all necessary documentation, including borrower docs and third-party docs
* Interpret policies while analyzing applicant information, property and documentation
* Calculate borrower income for all employment types
* Comprehensive understanding of credit underwriting guidelines
* Must be flexible and able to work in a fast paced, potentially stressful environment
* *This position has the option of becoming Hybrid (this is only an option for Carrollton, TX employees)*
* *Candidates are required to be in the office for training and ramp Monday-Friday for the first 4-6 months*
* *To qualify for Hybrid, candidates are required to achieve and maintain documented performance metrics*
* *Work from home days are pre-determined by the business *
*Requirements:*
* *5 years of current experience* in a mortgage company with Loan Processing experience
* HELOC experience a plus
* Knowledge of processing, underwriting and closing procedures
* Excellent customer service and communication skills
* Detail oriented and excellent organizational skills
* Able to prioritize multiple competing tasks and manage time effective in a fast paced environment
* Problem-solver with strong analytical skills
* Adheres to directives, procedures and standards
* Ability to work in a paperless environment
* Computer proficiency including Microsoft Office Product Suite
* Candidates must be available to work outside of normal business hours when necessary
* Ability to obtain NMLS-MLO Licenses preferred
Job Type: Full-time
Pay: $25.00 - $28.00 per hour
Benefits:
* 401(k)
* Dental insurance
* Health insurance
* Life insurance
* Paid time off
* Vision insurance
Schedule:
* Monday to Friday
Application Question(s):
* Please confirm your contact details: Phone Number & Email Address
Ability to Commute:
* Carrollton, Texas 75007 (Required)
Ability to Relocate:
* Carrollton, Texas 75007: Relocate before starting work (Required)
Work Location: Hybrid remote in Carrollton, Texas 75007
Job Tags
Hourly pay, Full time, Remote job, Relocation, Flexible hours, Monday to Friday,