Mortgage Loan Processor

About the role

You serve as the primary point of contact for customers from processing through closing, keeping them informed and supported throughout every step of the journey. You manage loan files proactively, completing all processing, pre-underwriting, and pre-closing tasks with care and accuracy to maintain smooth pipeline flow. You review and verify documentation including credit, appraisal, and title for strict compliance with investor guidelines and quality standards. You partner with agents to gather required information efficiently and keep them updated on the status of applications to ensure alignment. You submit complete, high-quality files to underwriting while consistently meeting service-level targets and operational deadlines. You coordinate closings and assist with post-closing follow-ups to ensure a seamless, reassuring customer experience from funding to recordation. You walk customers through their Closing Disclosure, offering clear explanations and support to answer their questions and reduce anxiety. You identify opportunities to improve our processes and technology, and collaborate with teammates across functions to bring ideas to life in a fast-moving digital environment.

Key facts

What you'll do

• Serve as the primary point of contact for customers from processing through closing, keeping them informed and supported.
• Manage loan files proactively, completing all processing, pre-underwriting, and pre-closing tasks with care and accuracy.
• Review and verify documentation including credit, appraisal, and title for compliance with investor guidelines.
• Partner with agents to gather required information and keep them updated on the status of applications.
• Submit complete, high-quality files to underwriting while consistently meeting service-level targets.
• Coordinate closings and assist with post-closing follow-ups to ensure a seamless customer experience.
• Identify opportunities to improve our processes and technology, and collaborate with teammates across functions to bring ideas to life.
• Walk customers through their Closing Disclosure, offering support and clear answers to their questions.
• Use technology to transform the mortgage experience and support an AI-driven customer journey.
• Contribute to a modern, transparent lending environment that reduces friction and builds trust with homebuyers.
• Support pipeline management to ensure on-time closes and smooth handoffs between teams.
• Communicate updates clearly and frequently to internal stakeholders and external partners.
• Leverage tools and systems to maintain organized, accurate, and compliant loan documentation.
• Collaborate cross-functionally to resolve issues and remove obstacles in the loan lifecycle.
• Champion data-driven improvements and share feedback based on customer interactions and operational insights.

Requirements

• Understanding of the mortgage lending process is essential for navigating complex workflows and stakeholder expectations.
• Ability to handle multiple purchase applications simultaneously in a fast-paced environment where on time close is very important.
• Strong written and verbal communication skills with a phone-first mentality to engage customers and partners effectively.
• Strong performance in team environments where collaboration and shared ownership drive successful outcomes.
• A voice as to how we can improve our processes and tech, contributing ideas rooted in real-world experience.
• Detail orientation with a strong focus on quality to ensure compliance and accuracy in every file.
• Superior customer centricity that shows in patience, clarity, and empathy across all interactions.
• Willingness to work within our hybrid schedule, including in office days on Monday through Wednesday and remote work on Thursday and Friday.
• Commitment to adhering to investor guidelines and regulatory requirements in every transaction.
• Ability to manage deadlines and prioritize tasks in a dynamic, high-volume mortgage operations setting.
• Willingness to learn and adapt to evolving technologies that power digital mortgage experiences.
• Openness to feedback and coaching aimed at improving speed, accuracy, and service quality.
• Respect for confidential customer information and adherence to company policies and procedures.
• Readiness to contribute to a culture of transparency, trust, and continuous improvement in lending operations.

Nice to have

• 2+ years of mortgage loan processing experience, specifically in purchase transactions, to bring depth and speed to the role.
• Experience with Byte Pro or other LOS platforms (e.g., Encompass) to streamline workflows and reduce training time.
• Familiarity with a variety of loan types: Conventional, FHA, VA, and Jumbo to handle diverse product needs.
• Strong knowledge of mortgage applications, credit reports, and financial verifications to support thorough file preparation.

Practical notes

• Hybrid schedule with required in-office presence Monday through Wednesday and remote work Thursday and Friday.
• This role reports to the Loan Processing Manager and operates within Tomo's structured lending environment.
• New York City location provides access to Tomo's offices and collaborative workspaces as defined by team needs.
• Compensation details are not specified in this job page.
• This page reflects SOURCE content only, with no additional assumptions or modifications.