Reverse Loan Processor III

🔥 2 minutes ago

🇺🇸 United States – Remote

💵 $23 - $34 / hour

⏰ Full Time

🟡 Mid-level

🟠 Senior

👻 Ghost score 0%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Guild Mortgage

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1960

🏗️ Construction

💸 Finance

🏠 Real Estate

Construction • Finance • Real Estate

Guild Mortgage is a U. S. -based mortgage lender and loan servicer that provides a wide range of home financing products and services to consumers and business partners. The company offers purchase and refinance mortgages, including conventional, FHA, VA, USDA, jumbo, renovation, construction, reverse mortgages, HELOCs, and specialty programs and down-payment assistance. Guild Mortgage operates nationwide through local branches and loan officers, supports borrowers with servicing and online account management, and partners with builders, real estate agents, title agents, and correspondents.

📋 Description

• Process and pre-underwrite conventional, FHA, VA, and Bond mortgage loans • Ensure compliance with Company, secondary-market investor, government-agency, federal, state, and local requirements • Achieve production and quality metrics • Act as liaison between loan officers, borrowers, underwriters, and funding • Prepare and review loan files for completeness and compliant submission • Monitor loan-processing cycle time and resolve issues that could delay closing • Serve as subject-matter expert/lead when the Supervisor/Lead is unavailable • Analyze loan-to-value ratios, debt-to-income ratios, credit reports, applications, income, assets, down-payment sources, and supporting documentation • Order and review third-party documentation, including credit checks, title reports, appraisals, tax returns, and employment/asset verifications • Check ratios and verify AUS findings and program applicability • Review documentation integrity and submit loan files to underwriting • Identify qualifying and program issues and restructure loans as necessary • Provide program options and recommendations within guidelines • Update and verify system data • Obtain and verify clearance of underwriting conditions and prepare files for Closing • Order generation of loan documents • Coach and guide less experienced Processors • Compose professional correspondence and emails using templates • Provide status updates to Loan Officers and borrowers

🎯 Requirements

• High school diploma or equivalent required • Five or more years of recent work experience as a Loan Processor • At least two years of experience processing VA and Bond mortgage loans • Experience processing conventional and FHA loans preferred • Expert knowledge of mortgage lending internal processes and controls • Expert knowledge of federal, state, and regulatory requirements/guidelines for consumer mortgage lending • Expert knowledge of conventional, FHA, VA, and Bond mortgage loans and related program/investor guidelines • Expert knowledge of new construction documentation and condominium projects • Expert knowledge of documentation for consumer mortgage applications • Ability to build strong relationships with internal and external partners • Sound judgment and critical-thinking ability • Ability to prioritize multiple tasks in a deadline-driven environment • Excellent customer service, interpersonal, verbal, and written communication skills • Intermediate math skills • Strong detail orientation and organizational skills • Experience using internal data-entry systems, Microsoft Word, Excel, and PDF/Document Retention programs • Proficiency in Microsoft Office Suite, Word, Excel, Wiki, collaborative cloud-based programs, and third-party software applications • Commitment to company values • Ability to perform sedentary office work and frequent computer keyboard/mouse use • Ability to accurately interpret visual and audio information

🏖️ Benefits

• Medical insurance • Dental insurance • Vision insurance • Life insurance • AD&D insurance • LTD insurance • 401(k) with employer match • Incentive compensation eligibility • Pleasant work environment • Competitive compensation • Reasonable accommodation for eligible applicants/employees