Job Description

Seeking a career change but not sure which path to take? Take the true path to career fulfillment with True Path Loans! We are looking to add Processor to our fast-growing team. This is an extraordinary and exciting time to break into the industry. We will provide continued growth and development with hands-on training coupled with opportunities to acquire industry recognized licensures. Integrity is what drives us to be best in class. You will be surrounded with colleagues that genuinely care about one another in ways that share knowledge and expertise.

ABOUT US:

True Path Loans is a mortgage brokerage that started with the intent to offer excellent service, low competitive rates and expertise to help guide those with limited knowledge of the mortgage industry. Our vision is to make buying a dream home or refinancing a current loan as easy as possible.

Our story begins with Adrian Placinta starting a small mortgage company in Orange County, CA servicing the local community. Hard work ethic, a strong commitment to integrity, and more than 15 years’ experience earned Adrian the reputation as the go-to mortgage expert. As a husband, dad and homeowner, clients and Realtors alike are drawn to him and the brand behind True Path.

POSITION SUMMARY:

As a Loan Processor, you will support our Processing Manager and team leaders by applying your strong social skills to assist in the loan funding process. Your attention to detail and ability to prioritize will make an excellent addition to or our lively office! Some responsibilities include:

• Pipeline Management:
  • Update Encompass Milestones daily
  • Follow processing flow (Standard Operating Procedures/SOPs) with lenders
  • Participate in day-to-day processing pipeline review with Management
  • Provide detailed processing pipeline review to Broker/Owner by 9:00 AM and 6:00 PM, or at least twice daily
• Communicate
  • Clients: Update touch points with clients every 2 days
  • Review loan approvals with Broker/Owner
  • Have Broker/Owner sign off on all closings:
    • Email Final Loan Documents with all Payoff Demands and Invoices to Adrian and Loan Officer on file for final sign off
  • Schedule notary based upon Loan Officer providing client schedule. Loan Officer will coordinate time with client solely based upon acceptance of final documents.
  • Build processing relationships with current wholesale lenders. 360-degree feedback will be collected from all lenders to assess client customer service and relationship.
• Loan Management
  • PTD: Ensure all “Prior to Documents” conditions are completed.
  • Inform Loan Officer of missing items.
  • Loan Officer to confirm if he/she will reach out to client or if processor may do so.
  • PTF: Confirm all “Prior to Funding” conditions are completed.
  • STC: Ensure that final documents are not “short to close.” If “short to close,” coordinate with Loan Officer on who will communicate with the client regarding adding short to close amount to overall loan amount.
  • LTV: Confirm final “Loan to value” and FICO credit scores are reviewed by Broker/Owner
  • Purchase: Confirm that Client has met minimum down payment requirements based on closing documents and program specific guidelines
• Training
  • Attend and participate in company, lender, and software training

QUALIFICATIONS/ DESIRED SKILLS:

• 1+ year processing experience
• High school diploma required; Bachelors preferred.
• NMLS/ DRE classes and certification
• Annual Continuing Education
• Knowledgeable with loan processing laws and federal/state compliance requirements
• Experience working within a multi-site environment
• Computer and Internet literacy; specifically, with MS office applications and knowledge of Word, Excel is required.  Experience with Encompass is a plus
• Detail-oriented, enthusiastic, self-directed, and well-organized with ability to multi-task
• Excellent verbal and written communication skills
• Ability to function independently within a broad scope of guidelines and established policies and goals
• Ability to maintain a high level of confidentially
• Ability to multi-task in fast-paced environment 
• Ability to work within and meet required deadlines
• Ability to build and maintain strong working relationships with all levels of the organization and with external lenders and clients
• Past experience developing policies and procedures (preferred)
• Prolonged periods of sitting at a desk and working on a computer

BENEFITS:

• Training and Growth Opportunities
• Medical, Dental & Vision Insurance
• Unlimited time off
• Company paid licensing

SCHEDULE IS M-F 40 HOURS A WEEK

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.

Learn more at: www.truepathloans.com

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