Job Description

Mphasis Digital Risk’s mission to Make Mortgages Safe relies on the perfect blending of human experience and state-of-the-art technology to serve its workforce and clients.

Digital Risk’s 1,500+ team members make us one of the largest mortgages outsource providers in the U.S., supplying appraisal and mortgage processing, underwriting and closing to the largest banks and loan originators.

The Mortgage Loan Processor will be responsible for performing a variety of loan documentation duties on complex loan packages and ensure compliance with policies and procedures for loan products. Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills.

Essential Job Functions:

• Manage an assigned pipeline of 35-50 plus loans on a daily and weekly basis
• Process loans from application to closing including but not limited to:
• Collecting and analyzing documents to submit to Underwriting for final approval
• Communicating expectations, requirements and program details though established communication standards
• Maintain daily workflow prioritization to ensure pipeline management meets required closing dates
• Order all required verifications, documentation and subsequent follow-ups and ensures all timeframes and compliance requirements are being met
• Verify conditions of approval which may include customer income/assets documentation, resolves routine title issues including vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens and reconveyances
• Provide excellent customer service to internal and external clients by demonstrating expertise, thoroughness, thoughtfulness, politeness and enthusiasm
• Ensure customer service surveys maintain the rating level designated by management
• Communicate with all parties involved in the transaction to keep them informed of file status
• Review and analyze all necessary documentation, including borrower docs and third-party docs
• Interpret policies while analyzing applicant information, property and documentation
• Calculate borrower income for all employment types
• Comprehensive understanding of credit underwriting guidelines
• Must be flexible and able to work in a fast paced, potentially stressful environment
• As 100% of the work opportunities are onsite, in person attendance is required
• This position has the option of becoming Hybrid (this is only an option for Jacksonville, FL and Maitland, FL employees)
• Candidates are required to be in the office for training and ramp Monday-Friday for the first 4-6 months
• To qualify for Hybrid, candidates are required to achieve and maintain documented performance metrics
• Work from home days are pre-determined by the business

Requirements:

• 3 years of current experience in a mortgage company with Loan Processing experience required
• HELOC experience a plus
• Knowledge of processing, underwriting and closing procedures
• Excellent customer service and communication skills
• Detail oriented and excellent organizational skills
• Able to prioritize multiple competing tasks and manage time effective in a fast paced environment
• Problem-solver with strong analytical skills
• Adheres to directives, procedures and standards
• Ability to work in a paperless environment
• Computer proficiency including Microsoft Office Product Suite
• Candidates must be available to work outside of normal business hours when necessary
• Ability to obtain NMLS-MLO Licenses preferred

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