Loan Processor

📋 Description

• • Own the loan file from initial set-up through clear-to-close, acting as the single point of accountability for every document, disclosure, and deadline. You will shepherd each borrower’s journey with precision, empathy, and speed, ensuring nothing falls through the cracks.
• • Perform a meticulous pre-underwrite of every application: analyze credit reports, income docs, asset statements, and title work to spot red flags early, correct errors, and build a bullet-proof file before it ever reaches the underwriter.
• • Order and manage all third-party services—surveys, flood certs, title commitments, payoff statements, verifications of employment, and appraisals—while tracking vendor SLAs, reconciling invoices, and keeping the borrower and loan officer updated in real time.
• • Generate and deliver compliant disclosures within RESPA, TILA, HMDA, Reg B, and state-specific timelines; re-disclose when fees or circumstances change, and maintain an immaculate electronic conversation log for audit readiness.
• • Build the complete loan package in Encompass: upload documents in the correct stacking order, complete Forms 1003 and 1008, populate the loan approval summary, and triple-check data integrity so that underwriters can decision files in hours, not days.
• • Monitor your pipeline daily through custom dashboards and aging reports; prioritize files by lock-expiration dates, rate-sensitive borrowers, and investor suspense items to hit or beat every turn-time commitment.
• • Partner directly with loan officers, borrowers, underwriters, closers, secondary marketing, and post-closing teams in a fast-moving Slack and Zoom environment, translating complex guidelines into plain-language next steps that keep momentum high and stress low.
• • Train, mentor, and quality-check junior processors and new hires, sharing the tricks you’ve learned in five-plus years of high-volume processing so the entire team levels up and the customer experience stays best-in-class.
• • Jump in on overtime evenings or weekend rate-shopping rushes when volume spikes; your flexibility keeps CCM’s promise of closing on time, every time.
• • Champion continuous improvement: flag recurring bottlenecks, suggest Encompass enhancements, and pilot new workflow automations that shave minutes off every file and dollars off every loan.
• • Celebrate wins—whether it’s a first-time homeowner getting keys, a refinanced family saving hundreds per month, or a teammate mastering a new skill—because at CCM, success is shared and culture is everything.