Job Details

Job Title: Sr. Loan Processor

Department: Operations / Loan Processing
Reports To: Processing Manager
Location: Remote or In-Office at 3363 E. Presidential Dr. Meridian, ID 83646
Employment Type: Full-Time

Position Overview:

We are seeking an experienced and detail-oriented Sr. Loan Processor to join our team at an independent mortgage company. This individual will be responsible for managing a pipeline of loans from submission to closing, ensuring compliance with all regulatory and investor guidelines. The ideal candidate has a deep understanding of all types of retail loans, including conventional, FHA, VA, USDA, bond loans, and jumbo products.

This is a critical role that requires strong organizational skills, the ability to prioritize and multitask in a fast-paced environment, working with multiple teams, and a commitment to delivering a smooth, timely, and accurate loan process for our clients and lending partners.

Key Responsibilities:

• Process a full pipeline of retail mortgage loans, including conventional, FHA, VA, USDA, jumbo, bonds loans, and non-QM products
• Review and verify all loan documentation for accuracy, completeness, and compliance with company, investor, and regulatory requirements
• Communicate clearly and professionally with loan officers, underwriters, title companies, and borrowers throughout the loan process
• Order and track third-party services such as appraisals, title work, VOEs, VODs, insurance, and payoffs
• Maintain accurate and timely updates in the LOS (Loan Origination System) to reflect current loan status
• Ensure all documentation is received and validated prior to submission to underwriting - and resubmitting conditions often
• Proactively identify and resolve issues that could delay processing or closing timelines
• Hold weekly pipeline reviews with loan teams to ensure all parties are on the same page regarding file status
• Coordinate with title / attorney offices and internal closing department on balancing files for accurate funds to close for LEs/CDs
• Stay up to date on industry guidelines, investor overlays, and compliance regulations

• Minimum 3-5 years of experience in mortgage loan processing, specifically in retail lending
• Deep knowledge of Conventional, FHA, VA, USDA, Jumbo, and Non-QM guidelines and documentation requirements
• Familiarity with LOS platforms such as Encompass, Byte, or similar systems, as well as Microsoft programs such as Outlook (email) and OneDrive
• Excellent communication, problem-solving, and organizational skills
• Ability to manage a full pipeline independently with minimal supervision
• Strong attention to detail and ability to work in a deadline-driven environment
• Working knowledge of TRID, RESPA, and other mortgage compliance requirements

• Experience working for an independent mortgage broker or lender
• Bilingual a plus (but not required)
• Prior experience in a senior or team-lead processing role