Loan Processor in US home loan company working from home with Chinese communication skills

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TYPE OF WORK

Any

SALARY

Based on experience

HOURS PER WEEK

40

DATE POSTED

Jul 12, 2024

JOB OVERVIEW

Contact John through WhatsApp: +Upgrade to see actual info or Skype: Upgrade to see actual info or Upgrade to see actual info: Upgrade to see actual info if you have Chinese communication skills and about two years related US home mortgage loan experience, please submit your resume.

We are looking for an experienced loan processor to join our tight-knit group of mortgage professionals. The successful applicant needs to have at least two years of experience in loan processing, excellent attention to detail, and a skilled approach to customer service to help our borrowers navigate the mortgage closing process. We provide the opportunities, the team, and the growth potential to help you achieve your career goals. If this sounds like the ideal job for you, please apply today!

Location: Virtual Position, working from home
US Office Location: 12646 Carmel Country Rd Unit 153, San Diego, CA92130

Loan Processor Responsibilities
Serve as the main point of contact for title companies, real estate agents, mortgage loan officer/ mortgage loan originator, borrowers, and mortgage underwriters to facilitate a timely loan closing
Obtain and verify that all loan documentation, such as title insurance, appraisals, loan applications, credit reports, and income and asset declarations are accurate and provided promptly to underwriters for loan approval
Order third party documentation and reports for residential home loans, create and maintain the mortgage loan file, and assist in clearing underwriting conditions as requested
Input loan file documentation accurately into necessary software programs
Ensure that all loan files, credit packages, and disclosure packages comply with company lending policies, as well as state and federal lending guidelines
- input and balance the fee sheet
- Provide Advantage Credit Report
- Choose Program/Lender for submission
- Lock loan with Lender
- Communicate and provide any additional documentation needed from the borrower
- Approval of final Fee Sheet for closing
- Download/Input loan in Calyx/Point, UWM Blinks or other loan origination system LOS.
- Review initial file received for credit, income, assets, ratios, etc and advise of any concerns
- Order any required VOE's, VOD's, VOM's or VOR's
- Order appraisal
- Order Title Commitment
- Once we have complete package, submit to lender of your choice
- Track the underwriting process.
- Once approved we work to obtain necessary documents, if needed
- Once clear to close is received, lock in loan rate and review of Fee Sheet for your completion/approval
- Schedule closing between the Lender, Title Company, and borrower
- CD will be reviewed against Fee Sheet for accuracy and then sent for approval
- Verify the closing documents are received at the Title Company prior to closing and then verify that the closing was successful

Loan Processor Qualifications
Bachelor’s degree preferred; high school diploma required
2-3 years experience with a mortgage company, mortgage banker, or mortgage lender as a mortgage loan processor is needed
Working knowledge of the mortgage industry, specifically federal and state regulatory requirements are essential
Solid knowledge of various residential mortgage loans such as FNMA, FHA, VA, USDA, and Conventional is vital -- Commercial loan and Refinance loan knowledge is helpful
Exceptional time management, attention to detail, customer service, and communication skills are necessary
Proficiency with MS Office, Loan Origination Software (LOS), and Automated Underwriting System (AUS) are desired, Calyx point, Encompass, Blink+, UWM pipeline, etc.

Compensation and Benefit
Compensation based on experience with market base salary plus merit bonus. Company paid medical insurance will be provided after one year anniversary. Selected US holiday schedule, paid overtime. Bi-weekly pay scheduled on 5th and 20th of each month directly deposit to employee's bank account in PHP though wise transfer.

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