Mortgage Loan Processor (New Construction)

OneTrust Home Loans

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About The Position

CalCon Mutual Mortgage dba OneTrust Home Loans is an organization with an outstanding reputation for quality products and services, where employees are valued members of a team. The company's success relies on the dedication of its employees, who are encouraged to find satisfaction and pride in their work. OneTrust Home Loans focuses on understanding clients' needs, providing detailed information and sound advice on mortgage options and industry trends, and applying experience to offer solid home financing solutions. They emphasize a transparent and open communication loan process to ensure quick closings, prioritizing service above all. The company values integrity, transparency, innovation, and greatness. The Mortgage Loan Processor position involves overseeing the processing of residential mortgage loans, including new construction and portfolio loans, to ensure accuracy, compliance, and timely closings. This role acts as a liaison between borrowers, loan officers, and underwriters while also supporting process improvements.

Requirements

• 5+ years' previous loan processing experience with strong understanding of conventional, FHA, VA, and USDA, construction and portfolio loan guidelines.
• Demonstrate experience processing new construction loans.
• Experience working with portfolio/non-QM loan products and flexible underwriting guidelines.
• Proven track record of managing a high-volume loan pipeline with accuracy and efficiency.
• Knowledge of underwriting terminology.
• Maintain current knowledge of lending guidelines, investor programs, construction lending requirements, and industry changes.
• Demonstrated computer skills in word processing, spreadsheet and electronic mail software.
• Strong communication and interpersonal skills, with the ability to work effectively with builders, borrowers, and cross functional teams.
• High level of professional integrity and customer service skills.
• Maintains a positive, helpful, constructive attitude and work relationship with co-workers and supervisors.
• Strong time management and organizational skills in a dynamic, constantly changing environment.
• High attention to detail with strong focus on quality and compliance.

Nice To Haves

• Encompass experience preferred.

Responsibilities

• Review and process mortgage loan files from application through closing, including new construction and portfolio loan transactions.
• Perform welcome calls with borrowers within department timeframes.
• Verify borrower documentation for accuracy, completeness, and compliance.
• Meet daily performance metrics as defined by management.
• Ensure all loans meet regulatory, investor, portfolio and company requirements.
• Work directly with borrowers, mortgage loan originators, builders, underwriting and vendors to satisfy outstanding loan conditions.
• Identify and address potential red flags within loan files, including construction specific risk and non-traditional documentation for portfolio loans.
• Deliver clean, complete and accurate files to both Underwriting and Closing Departments.
• Maintain up to date knowledge of loan products, regulatory changes, construction lending practices, and investor/portfolio guidelines.
• Attend and complete regulatory and compliance training, as required.
• Other duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed
• Number of Employees: 1-10 employees