Loan Processor

Rosegate Mortgage, LLC; Charlotte, Northern (NC, KY); Hybrid; USD 55,000 - 95,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

401(k) match

Paid time off

Holidays

Short-Term Disability

Life Insurance

Job summary

Rosegate Mortgage, LLC in Charlotte, NC is seeking a Mortgage Loan Processor to manage residential mortgage loans from pre-approval through closing in a non-delegated, wholesale lending environment. The role focuses on building complete, accurate loan files for investors while keeping borrowers informed in a fast-paced, production-driven setting.

You will handle a ~40+ loan pipeline, coordinate with title, appraisal, and verification vendors, and work with Loan Officers to ensure timely

Qualifications

• 2+ years mortgage processing experience preferred or equivalent mortgage processing experience.
• Bachelor’s degree preferred or equivalent mortgage processing experience.
• Experience submitting loans through wholesale investor portals.
• Familiarity with Conventional, FHA, and VA documentation requirements.
• Ability to manage a high-volume pipeline in a production environment.
• Strong attention to detail and file organization.
• Comfortable reviewing income and financial documentation.
• Clear communicator with urgency, ownership, and accountability.

Responsibilities

• Manage an active pipeline of approximately 40+ loans in various stages of processing.
• Prioritize files based on lock expirations, submission timelines, and closing dates.
• Maintain consistent pipeline movement to meet investor and closing deadlines.
• Identify potential issues early and elevate appropriately.
• Serve as primary processing contact for Loan Officers and borrowers.
• Coordinate with title, appraisal, insurance, and verification vendors.
• Submit complete loan packages to investors for underwriting.
• Review and clear investor conditions efficiently and accurately.
• Work closely with Loan Officers and borrowers to obtain required documentation.
• Prepare files for final approval and clear-to-close.
• Ensure files meet agency, investor, and regulatory requirements.
• Maintain accurate loan data in the LOS.
• Adhere to disclosure timing and documentation standards.
• Meet company quality control and file integrity expectations.
• Maintain a pipeline of approximately 25-30 loans with multiple Loan Officers.
• Submit high-quality files with minimal underwriting touches.
• Clear conditions promptly and maintain strong file velocity.
• Consistently meet lock and closing deadlines.
• Maintain strong borrower, Loan Officer, and investor communication.
• Meet production, quality, and compliance targets established by the company.

Skills

Mortgage processing

High-volume pipeline

Detail-oriented

Strong communication

Time management

Education

Bachelor’s degree preferred or equivalent mortgage processing experience

Tools

Wholesale investor portals

LOS (Loan Origination System)

Job description

The Mortgage Loan Processor is responsible for managing residential mortgage loans from pre-approval through closing in a non-delegated, wholesale lending environment. This role focuses on building complete, accurate, and fully documented loan files for submission to investors while ensuring loans progress efficiently and borrowers remain informed throughout the process. The ideal candidate is highly organized, detail-oriented, and comfortable managing a high-volume pipeline in a fast-paced, production-driven environment.

About Rosegate

Rosegate is a dynamic mortgage originator and master servicer with a growing portfolio of customers. Recognized by The Charlotte Business Journal as a '2025 Best Places to Work' company; we are building a high-performance retention engine to maximize portfolio value through refinance recapture, purchase retention, and customer-for-life strategies. Coupling this with our existing (and growing) retail channel, Rosegate is positioned for exciting growth and opportunities.

Description

SMART. HUNGRY. HONEST.

AtRosegate, we don't just process loans-we build relationships, drive innovation, and shape the future of mortgage lending. We're a team that shows up every day with purpose, passion, and integrity. If you'reSMART, HUNGRY, and HONEST, you'll feel right at home here.

Key Responsibilities:

• Manage an active pipeline of approximately 40+ loans in various stages of processing
• Prioritize files based on lock expirations, submission timelines, and closing dates
• Maintain consistent pipeline movement to meet investor and closing deadlines
• Identifypotential issues early and elevate appropriately

Loan File Preparation (Non-Delegated / Wholesale)

• Prepare complete andaccurateloan files for submission to wholesale investors
• Ensure loan packages meet investor documentation and stacking requirements
• Validate income, assets, credit, and collateral documentation prior to submission
• Submit clean, complete files to minimize underwriting touches

Communication & Coordination

• Serve as primary processing contact for Loan Officers and borrowers
• Coordinate with third parties including title, appraisal, insurance, and verification vendors
• Communicate with investor Account Executives andutilizeinvestor portals as needed
• Provide proactive and consistent status updates

Underwriting & Conditions

• Submit complete loan packages to investors for underwriting
• Review and clear investor conditions efficiently and accurately
• Work closely with Loan Officers and borrowers to obtain required documentation
• Prepare files for final approval and clear-to-close

Compliance & Quality

• Ensure files meet agency, investor, and regulatory requirements
• Maintainaccurateloan data in the LOS
• Adhere to disclosure timing and documentation standards
• Meet company quality control and file integrity expectations

Performance Expectations

• Maintain a pipeline of approximately 25-30 loans with multiple Loan Officers
• Submit high-quality files with minimal underwriting touches
• Clear conditions promptly andmaintainstrong file velocity
• Consistently meet lock and closing deadlines
• Maintain strong SLA performance across submission, conditions, and closing milestones
• Deliver a high-touch borrower experience and strong internal communication
• Meet production, quality, and compliance targetsestablishedby the company

Qualifications:

• 2+ years mortgage processing experience preferred, ideally in non-delegated or wholesale lending
• Bachelor’s degree preferred or equivalent mortgageprocessingexperience
• Experiencesubmittingloans through wholesale investor portals
• Familiarity with Conventional, FHA, and VA documentation requirements
• Ability to manage a high-volume pipeline in a production environment
• Strong attention to detail and file organization
• Comfortable reviewing income and financial documentation
• Clear communicator with urgency, ownership, and accountability

What Success Looks Like:

• Clean, complete filessubmittedto investors on first pass
• Conditionsclearedquickly with minimal back-and-forth
• Consistent pipeline movement toward approval and closing
• Deadlines and lock timelines met reliably
• Strong borrower, Loan Officer, and investor communication
• Ability to manage volume without sacrificing file quality

Schedule & Work Requirements:

• Full-time position based in Charlotte, NC office
• This position may be performed remotely for candidates residing outside the Charlotte, NC commuting area, provided they possess the experience, qualifications, and capabilities necessary to be successful in the role.
• Following the first90 days, team members may earn eligibility for up to4remote workdays per month, based on performance and operational needs.

Compensation:

• Compensation includes base salary plus performance-based production bonus tied to loan volume, file quality, and SLA performance.

As the company continues to scale, thisrole offers advancement opportunities into:

• Senior Mortgage Processor
• Growing company
• Caring leadership & support
• Health, dental, and vision insurance
• Company-Paid Short-Term Disability & Life Insurance
• 401(k) plan with company match
• Paid time off and holidays

Rosegate is an equal-opportunity employer. All employment decisions are based on business needs, job requirements, and individual qualifications. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

Rosegate | NMLS: 2082961| www.nmlsconsumeraccess.org | Equal Housing Opportunity | Licensed to lend or broker loans in AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MT, NE, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, VT, VA, WA, WV, WI | 13515 Ballantyne Place, Charlotte, NC 28277 | 888-657-6206 |