Loan Processor Jobs

About The Position

Requirements

• 2+ years of mortgage loan processing experience at a non-bank lender, independent mortgage company, or high-volume production shop.
• Ability to read and interpret income documentation, including tax returns, and calculate qualifying income from it.
• Working knowledge of conventional (Fannie Mae/Freddie Mac) guidelines; exposure to FHA and/or VA a plus, as ODHL is actively standing up government lending.
• Clear written and verbal communication, particularly with underwriters.
• Comfort working inside a fast-changing, technology- and AI-assisted origination platform rather than a static, legacy LOS.
• Clean employment and credit history sufficient to satisfy character and fitness standards.
• High school diploma or equivalent required; college degree a plus.

Nice To Haves

• Active NMLS registration (not required for this role, but a plus).
• Experience processing loans that close against real estate purchase contracts with hard deadlines (vs. refinance-only production).
• Experience reviewing self-employed or complex income files.
• Prior experience at a tech-forward mortgage company, fintech lender, or proptech company.
• Familiarity with the home-buying transaction from the consumer or agent side.

Responsibilities

• Own a pipeline. Manage a pipeline of conventional loans today, with FHA and VA coming online, from initial submission through conditional and final approval, keeping every file moving against tight, purchase-driven closing dates.
• Read income documents and calculate income. Work directly from tax returns, pay stubs, W-2s, and business financials to calculate qualifying income, including for self-employed and non-traditional income scenarios.
• Triage files before they reach underwriting. Review a file's income, assets, credit, and title documentation and recognize the underwriting issues before they become underwriting issues, catching what would otherwise come back as a condition or a decline.
• Handle customer documents directly. Review borrower-submitted paperwork for what it actually shows, not just whether the checklist item is checked, and know when a document doesn't support what's being claimed.
• Communicate clearly with underwriters. Present a file's story in a way an underwriter can act on quickly, and work conditions back and forth without losing time to back-and-forth clarification.
• Get on the phone when a portal request won't cut it. Verbal VOEs the day before closing, chasing down a written VOE that's gone quiet, calling an insurance agent for a binder or dec page instead of waiting on a fax-back, tracking down a payoff or HOA cert directly with the servicer or management company, you know which conditions clear themselves and which ones need a voice on the line today.
• Work well with loan officers and back office. Coordinate with LOs on borrower expectations and with processing, closing, and title/settlement teams so nothing falls into a gap between roles.
• Work inside an AI-assisted workflow. Use ODHL's automated document intake, income and asset calculation, and condition-tracking tools as your default, and step in with manual review and judgment exactly where the system needs a human.
• Bring a process-improvement mindset. Notice where the workflow, a checklist, or a piece of tooling is costing time or causing rework, and speak up about it, you're one of the best sources of truth for what's actually slowing files down.

Benefits

• Competitive salary and equity
• Comprehensive health, dental, and vision benefits
• Flexible PTO and parental leave