Loan Processor

TWO; Coppell (TX); On-site; USD 55,000 - 75,000; Full time

Job summary

RoundPoint Mortgage Servicing LLC is seeking a detail‑oriented Loan Processor to support both origination and operation of residential mortgage files. You will review documents, communicate with borrowers, and ensure data accuracy in Encompass while coordinating with underwriters and closers.

Ideal candidates have 4+ years in mortgage processing, knowledge of conventional and government loan programs, and familiarity with RESPA, TILA, TRID, HMDA, ECOA.

Qualifications

• 4+ years mortgage experience in a mortgage processing position.
• Proficiency in Encompass LOS and ability to learn other tools.
• Strong knowledge of conventional and government loan programs.
• Knowledge of RESPA, TILA, TRID, HMDA, ECOA and Fair Lending laws.
• Excellent communication and attention to detail in a high-volume environment.
• Ability to work overtime when needed.
• Strong pipeline management and closing coordination.

Responsibilities

• Reviews all documents submitted by borrower within 48 hours of receipt.
• Direct communication with borrowers via email and/or phone, returning all calls within 24 hours.
• Reviews accuracy and completeness of Loan Application, AUS, and Credit Report.
• Review entire credit report for accuracy including name, property addresses, recent inquiries, liabilities, and alerts.
• Orders and retrieves third-party services (credit reports, tax transcripts, appraisals, etc.).
• Submits complete file to Underwriter for initial underwrite and final review.
• Clear all prior-to-doc conditions.
• Maintain accurate data in Encompass and communicate across departments.
• Participates in weekly pipeline reviews with Loan Officer and Processing Manager.
• Assist closing and post-closing with required documents.
• Stay informed on mortgage industry trends and regulatory changes.

Skills

Mortgage processing

Customer service

Communication

Organizational skills

Education

High School diploma or equivalent

Tools

Encompass LOS

Credit reports

AUS

Job description

446 Wrenplace Rd, Fort Mill, SC 29715, USA

Job Description

Posted Thursday, July 23, 2026 at 4:00 AM

The Loan Processor is a reliable mortgage professional who thrives in a fast-paced environment. Loan Processor supports both the origination and operation functions of residential conventional and government mortgages while providing the highest level of customer service both internal & external.

Responsibilities:

• Reviews all documents submitted by borrower within 48 hours of receipt.
• Direct communication with all borrowers via email and/or phone, returning all calls within 24 hours.
• Reviews accuracy and completeness of Loan Application, Automated Underwriting System and Credit Report.
• Review entire credit report for accuracy. (I.E correct name (Jr, Sr etc.), property addresses (within 2 years and not on URLA), recent inquiries, liabilities, collections, Social Security numbers and any possible alerts etc.)
• Orders and retrieves 3rd party services (I.E. Credit report, Credit refresh, Credit supplements, Tax transcripts, Flood certificates, Fraud guard, VOE’s, Payoffs etc.)Review initial disclosures and check for signatures and dates.
• Review and calculate all types of income and any other mortgage related documents.
• Review and analyze appraisal reports for accuracy (I.E. Name & property address, value, and date of appraisal.)
• Review title reports for the following but not limited to: Effective date, loan amount, proposed insured, open liens/judgments and tax information.
• Responsible for properly updating Encompass to ensure current and accurate data.
• Submits complete file to Underwriter for initial underwrite & final review.
• Clear all prior-to-doc conditions.
• Effective communication with all parties and usage of the conversation log in Encompass to notate the loan files.
• Strong pipeline management skills to ensure closing dates are met.
• Participates in weekly pipeline reviews with the Loan Officer and Processing Manager providing status of all files.
• Assist closing & post-closing with any additional documents or information needed to close out file.
• Keep informed of trends and developments in the mortgage industry to include regulation changes.
• Processor will meet Round Point’s commitment to compliance and keep abreast of industry new products and guidelines.
• Redisclosing for change in circumstances if applicable.
• Title review and updates
• Ordering additional appraisal reports, if applicable (I.E. final inspection)

Qualifications:

• High School diploma or equivalent required
• 4+ years mortgage experience in a mortgage processing position
• Must have ability to verify all elements of a 1003, credit report, title quotes, tax certs, AUS, and mortgage Insurance.
• Working knowledge of conventional and government loan programs
• Strong organizational skills, attention to detail and work in a high volume & ever-changing mortgage industry
• Knowledge of consumer regulations—RESPA, TILA, TRID, HMDA, ECOA and all Fair Lending laws.
• Proficiency in Encompass LOS preferred and the ability to readily learn and operate effectively in other business technology applications required.
• Ability to work overtime when needed.
• Excellent communication and rapport building skills, promoting productive working relationships.
• Maintain sense of urgency.
• Maintain a level of professionalism when communicating with external clients.
• Ability to effectively communicate across multiple departments-originations, underwriting, secondary, processing and closing.
• Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the public.
• Advanced working knowledge of Word and Excel.
• Working in fast-paced, high tech, and business paperless environment

Physical Demands & Working Conditions

• The employee is regularly required to talk or hear.
• The employee is required to sit for extended periods of time and is occasionally required to stand and walk.
• The employee must regularly use hands to finger, handle, or feel objects and is regularly required to reach with hands and arms; the employee may occasionally climb or balance, and stoop, kneel, crouch, or crawl.
• The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds.
• Specific vision abilities required by this job include close vision, distance vision, color vision, and ability to adjust focus.
• The noise level in the work environment is usually quiet to moderate, and no extreme conditions are present.

About RoundPoint Mortgage Servicing LLC

RoundPoint Mortgage Servicing LLC is a fully integrated, non-bank mortgage company, with a subservicing portfolio of approximately 900,000 loans. In 2023, RoundPoint was acquired by Two Harbors Investment Corp. (NYSE: TWO), reaffirming its commitment to MSR as core and essential to our business strategy and our future. A combined Two Harbors and RoundPoint capitalizes on the strengths of both companies, adding significant value for stakeholders through operational and cost efficiencies, as well as the ability to participate more fully in the mortgage finance space as opportunities arise.

Founded in 2009, Two Harbors has grown into a leading publicly traded residential mortgage real estate investment trust (mortgage REIT). We leverage our core competencies of understanding and managing interest rate and prepayment risk to invest in our Agency residential mortgage-backed securities (RMBS) and mortgage servicing rights (MSR) portfolio, with the objective of delivering attractive risk-adjusted returns to our stockholders.