Mortgage Loan Processor

Ark Mortgage; New York (NY); Hybrid; USD 60,000 - 80,000; Full time

Job summary

Ark Mortgage Inc. in New York seeks a high-performing Mortgage Loan Processor to move loans from application to closing with precision and top-tier service. Hybrid role offering career growth toward underwriting.

You will handle file review, data entry, borrower documentation, and coordination with appraisers and underwriters, while maintaining compliance and strong client communication.

Qualifications

• Minimum 2+ years of mortgage loan processing experience.
• Strong knowledge of Conventional and Non-QM lending guidelines.
• Exceptional organizational and prioritization abilities.
• Excellent written and verbal communication with borrowers and partners.
• Proficiency with LOS systems such as Empower, Encompass, and Optimal Blue preferred.

Responsibilities

• Review new loan applications for accuracy and completeness.
• Ensure data entry and updates within internal systems to maintain pipeline.
• Collect, verify, and analyze borrower documentation with a focus on identifying risks.
• Order, track, and manage third-party services such as appraisals, title, verifications of employment, and flood certifications.
• Proactively resolve documentation discrepancies by collaborating with borrowers, loan officers, and underwriters to maintain smooth file flow.
• Own a pipeline of multiple active loans, ensuring files progress on schedule and meet milestones.
• Deliver clean, complete, and accurate loan packages to underwriting ahead of deadlines.
• Provide consistent, proactive communication and updates to loan officers, underwriters, and closers.
• Uphold strict compliance standards and ensure all files meet federal, state, investor, and company guidelines.
• Prepare files for closing by verifying and clearing conditions to guarantee a smooth closing.

Skills

Organizational skills

Time management

Communication

Tools

Empower

Encompass

Optimal Blue

Job description

We are seeking a high-performing, results-driven Mortgage Loan Processor to join our dynamic team. This role is pivotal in driving loans efficiently from application to closing while maintaining precision, compliance, and exceptional customer service. Beyond day-to-day processing, this position offers a clear growth path for those looking to advance their careers, including the opportunity to develop into an Underwriter role. The ideal candidate thrives in a fast-paced environment, excels at managing competing priorities, and consistently delivers accuracy, speed, and value to both internal teams and clients.

Key Responsibilities

• Loan File Review & Intake
• Review new loan applications for accuracy, completeness, and alignment with program and investor requirements.
• Ensure seamless data entry and updates within internal systems to maintain pipeline integrity.
• Collect, verify, and analyze borrower documentation (income, assets, credit, and property data) with a focus on identifying risks early.
• Order, track, and manage third-party services such as appraisals, title, verifications of employment, and flood certifications with urgency and accuracy.
• Proactively resolve documentation discrepancies by collaborating with borrowers, loan officers, and underwriters to maintain smooth file flow.
• Own a pipeline of multiple active loans, ensuring files progress on schedule and meet all milestones without delays.
• Deliver clean, complete, and accurate loan packages to underwriting ahead of deadlines.
• Provide consistent, proactive communication and updates to loan officers, underwriters, and closers, fostering strong cross-department relationships.
• Compliance & Quality Assurance
• Uphold strict compliance standards, ensuring all files meet federal, state, investor, and company guidelines.
• Prepare files for closing by verifying and clearing all conditions, guaranteeing a smooth and timely closing experience.

Qualifications

• Experience: Minimum of 2+ years of proven success as a mortgage loan processor or in a related mortgage operations role.
• Knowledge: Deep understanding of Conventional and Non-QM lending guidelines, with a proven ability to navigate complex loan scenarios.
• Skills:
• Exceptional organizational skills with a track record of handling high-volume pipelines without compromising quality.
• Advanced time management and prioritization capabilities to consistently meet or beat deadlines.
• Strong written and verbal communication skills, enabling clear, professional interactions with borrowers, internal teams, and external partners.
• Proficiency with loan origination and processing systems (e.g., Empower, Encompass, Optimal Blue) preferred.

Key Attributes for Success

• High achiever with a strong sense of ownership and accountability for results.
• Proactive problem-solver who anticipates challenges and implements solutions swiftly.
• Team player who thrives in collaborative, high-performance environments.
• Client-focused mindset, committed to delivering an exceptional borrower experience while protecting the company’s interests.

This is a hybrid role with a salary range of $60,000 - $80,000.

Ark Mortgage Inc. supports and is committed to equal employment opportunity for all personnel. Ark Mortgage Inc. does not discriminate against applicants or employees because of actual or perceived race, color, religion, creed, national origin, ancestry, citizenship status, alienage, sex/gender, pregnancy, childbirth or related medical condition, sexual orientation, marital status, partnership status, predisposing genetic characteristics, genetic information, protected activity (i.e., opposition to prohibited discrimination or harassment, and participation in proceedings covered by the anti-discrimination statutes), age, uniformed service, veterans status, unemployment status, domestic violence victim status, disability or any other category protected by applicable law.

All employment decisions are made on a non-discriminatory basis and in compliance with applicable federal, state and local laws prohibiting discrimination in employment. Ark Mortgage Inc. also provides reasonable accommodations, including to qualified individuals with known disabilities, who are pregnant or who suffer from a medical condition due to pregnancy or childbirth, upon request or when made aware of such a need, subject to applicable law.