Mortgage Processor

About the role

As a , you will play a crucial role in the home loan process, ensuring that all applications are handled efficiently and accurately. Your expertise will help facilitate the smooth transition from application to closing, providing exceptional service to our clients. This position is based in Charlotte, NC, and offers a dynamic work environment where you can grow your skills and contribute to a forward-thinking financial technology company.

Key facts

What you'll do

• Review mortgage applications and supporting documentation to ensure completeness and accuracy, adhering to company policies and regulatory requirements.
• Communicate with loan officers, underwriters, and clients to gather necessary information and resolve any discrepancies in a timely manner.
• Prepare and organize loan files for underwriting, ensuring all required documentation is included and properly formatted.
• Analyze credit reports, income statements, and asset documentation to assess borrower eligibility and risk factors.
• Maintain detailed records of all communications and actions taken during the processing of each loan application.
• Collaborate with various departments, including underwriting and compliance, to facilitate a seamless loan processing experience.
• Monitor the progress of loan applications and provide regular updates to clients and stakeholders on the status of their loans.
• Identify potential issues in the loan processing workflow and suggest improvements to enhance efficiency and customer satisfaction.
• Stay informed about industry trends, regulatory changes, and company policies to ensure compliance and best practices in mortgage processing.
• Participate in training and development opportunities to enhance your knowledge and skills in mortgage processing and related areas.
• Assist in the development of training materials and resources for new team members, fostering a collaborative and supportive work environment.
• Contribute to team goals and objectives by meeting or exceeding individual performance metrics and deadlines.

Requirements

• A minimum of 2 years of experience in mortgage processing or a related field, with a proven track record of managing loan applications effectively.
• Strong understanding of mortgage products, underwriting guidelines, and regulatory requirements.
• Excellent attention to detail and organizational skills, with the ability to manage multiple tasks and prioritize effectively.
• Proficient in using mortgage processing software and tools, as well as Microsoft Office Suite (Word, Excel, Outlook).
• Exceptional communication skills, both written and verbal, with the ability to build rapport with clients and colleagues.
• Ability to work independently and as part of a team, demonstrating a proactive approach to problem-solving.
• Strong analytical skills, with the ability to interpret financial documents and assess borrower qualifications.

Nice to have

• Experience with automated underwriting systems and other mortgage technology platforms.
• Familiarity with government-backed loan programs, such as FHA, VA, and USDA loans.
• Certification from a recognized mortgage processing or underwriting organization.
• Previous experience in a customer service role within the financial services industry.
• Knowledge of state and federal lending regulations and compliance standards.

Skills & tools

• Proficiency in mortgage processing software (e.g., Encompass, Calyx, or similar platforms).
• Strong analytical and problem-solving abilities.
• Excellent time management and organizational skills.
• Ability to work under pressure and meet tight deadlines.
• Strong interpersonal skills for effective communication with clients and team members.

Practical notes

• This position is based in our Charlotte, NC office, and may require occasional travel for training or team meetings.
• The role may involve working extended hours during peak processing times.
• Candidates must be eligible to work in the United States and may require visa sponsorship based on qualifications.
• SoFi is committed to diversity and inclusion in the workplace and encourages applications from individuals of all backgrounds.

Join SoFi as a Mortgage Processor and be part of a team that is transforming the way people experience financial services. With a commitment to innovation and customer satisfaction, you will have the opportunity to make a meaningful impact in the lives of our clients while advancing your career in a supportive and dynamic environment. Apply today to take the next step in your professional journey!