Loan Processor Specialist

Iron Core Rentals; Arizona; Hybrid; USD 13,776 - 20,664; Full time

Job summary

Iron Core Rentals is seeking a Loan Processor/Loan Specialist to manage loan files from intake to closing in a fully remote role. You will coordinate with borrowers, loan officers, and wholesale lenders to keep files moving, ensure complete documentation, and maintain clear communication throughout the process.

The position requires 2+ years of mortgage processing experience, familiarity with non-QM/conventional loans, and strong organizational skills to handle multiple files and deadlines.

Qualifications

• 2+ years mortgage loan processing experience (non-QM, conventional, or a mix).
• Understanding of the mortgage file lifecycle: application, disclosures, underwriting conditions, closing.
• Experience submitting files to wholesale lenders and clearing underwriting conditions.
• Strong organizational skills with ability to manage multiple files and deadlines simultaneously.
• Professional written and verbal English for borrower and lender communication.
• US-based and authorized to work in the US.
• Reliable internet and remote work setup; ability to work Pacific Time business hours.

Responsibilities

• Manage a pipeline of active loan files from intake through closing, tracking status, and next steps in the CRM/pipeline system.
• Collect, review, and organize borrower documentation (income, assets, credit, property) for completeness and accuracy.
• Submit loan files to wholesale lenders and respond to underwriting conditions in a timely manner.
• Communicate with borrowers to request missing documents, provide status updates, and answer non‑negotiation process questions.
• Coordinate with title, escrow, and appraisal vendors to keep closing timelines on track.
• Maintain accurate, compliant file documentation in line with non‑QM lending and investor requirements.
• Escalate any borrower questions involving rate, term, or loan structure decisions to a licensed loan officer.
• Update leadership/loan officers on file status, bottlenecks, and at‑risk closings.
• Follow the internal ClickUp workflow and communication SOP for task tracking and status updates.

Skills

Mortgage processing

Organization

English communication

Remote work

Tools

Go High Level

ClickUp

CRM systems

Job description

Overview

We are looking for a Loan Processor/Loan Specialist to manage loan files from application to closing for our Modesto Ops. This is a borrower and lender facing coordination role (not a sales role) focused on keeping files moving, documentation complete, and communication tight across borrowers, loan officers, and wholesale lenders. This is a fully remote, full‑time position (US & LatAm‑based welcomed). This position is remote in Mexico.

Responsibilities

• Manage a pipeline of active loan files from intake through closing, tracking status, and next steps in the CRM/pipeline system
• Collect, review, and organize borrower documentation (income, assets, credit, property) for completeness and accuracy
• Submit loan files to wholesale lenders and respond to underwriting conditions in a timely manner
• Communicate with borrowers to request missing documents, provide status updates, and answer non‑negotiation process questions
• Coordinate with title, escrow, and appraisal vendors to keep closing timelines on track
• Maintain accurate, compliant file documentation in line with non‑QM lending and investor requirements
• Escalate any borrower questions involving rate, term, or loan structure decisions to a licensed loan officer
• Update leadership/loan officers on file status, bottlenecks, and at‑risk closings
• Follow the internal ClickUp workflow and communication SOP for task tracking and status updates

Day‑to‑Day / Structure of the Role

• Daily – Check pipeline for new files and outstanding conditions, request/review borrower documents, submit condition responses to lenders, update file status in the CRM, and respond to ClickUp/Google Chat items per the SOP.
• Weekly – Full pipeline review with loan officers/leadership, flag at‑risk files, bottlenecked conditions, or closings at risk of delay.
• Per File (Application to Close) – Intake review, document collection, file submission to wholesale lender, condition clearing loop with underwriting, coordination with title/escrow, final closing documentation, and file handoff.
• Ongoing – Maintain a clean audit trail on every file for compliance purposes; ESCALATE anything borderline on the “processing vs. origination” line to a licensed loan officer rather than handling it directly.

Qualifications

Must‑Haves

• 2+ years of mortgage loan processing experience (non‑QM, conventional, or a mix)
• Working knowledge of the mortgage file lifecycle: application, disclosures, underwriting conditions, closing
• Experience in submitting files to wholesale lenders and clearing underwriting conditions
• Strong organizational skills and comfort managing multiple files/deadlines simultaneously
• Professional written and verbal English for borrower and lender communication
• US‑based, authorized to work in the US
• Reliable internet and remote work setup; ability to work Pacific Time business hours

Nice‑to‑Haves

• Experience specifically in non‑QM lending
• Familiarity with Go High Level (GHL) or similar mortgage CRM/pipeline tools
• Prior experience in a California‑based brokerage
• Bilingual English/Spanish (C2+)
• Familiarity with ClickUp or similar project management tools
• Prior NMLS licensure (even if not required for this specific role), a plus for future growth into a licensed position
• Full knowledge of Fannie/Freddie/FHA guidelines
• Understanding of DTI/Credit Score/LTV's tricks to DU/LP approvals

Compensation

$10 - $15 hourly