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 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
* As 100% of the work opportunities are onsite, in person attendance is required
* This position has the option of becoming Hybrid (this is only an option for Jacksonville, FL and Maitland, FL 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:*
* *3 years of current experience in a mortgage company with Loan Processing experience required*
* 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 - $27.00 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 information. Phone number and email.
Experience:
* mortgage processing: 3 years (Required)
Ability to Commute:
* Maitland, FL 32751 (Required)
Work Location: Hybrid remote in Maitland, FL 32751
Job Tags
Hourly pay, Full time, Remote job, Flexible hours, Monday to Friday,