Mortgage Loan Processor

Enrich Loans; United States; On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Medical benefits

Dental benefits

Vision benefits

Life insurance

Paid time off

Job summary

Enrich Loans is seeking a Non-QM & HELOC Mortgage Processor to manage residential loan files from application to closing, focusing on Non-QM products and HELOCs. You will liaison with borrowers, loan officers, underwriters, and title companies to ensure timely closings.

Ideal candidates have 3+ years mortgage processing experience, are proficient with Encompass LOS, and understand TRID, RESPA, ECOA, HMDA. You will handle compliance, disclosures, and a high-volume pipeline.

Qualifications

• 3+ years of mortgage processing experience.
• Experience processing Non-QM and HELOC loans.
• Knowledge of TRID, RESPA, ECOA, HMDA and related regulations.
• Experience with Encompass LOS.
• Strong organizational skills and attention to detail.
• Experience with high-volume pipelines and tight deadlines.

Responsibilities

• Review applications for completeness, accuracy, and compliance.
• Process Non-QM and HELOC files from application through closing.
• Analyze income, assets, credit, and collateral to meet underwriting requirements.
• Coordinate third-party services and disclosures.
• Manage underwriting conditions through final approval.
• Ensure compliance with rescission periods and state regulations.

Skills

Mortgage processing

Non-QM loans

HELOC loans

Regulatory knowledge TRID RESPA ECOAHM

Encompass LOS

Microsoft Office

Attention to detail

High-volume pipeline management

Tools

Encompass

Job description

At Enrich Loans, we’re building a modern lending company designed around the needs of today's borrowers. We specialize in flexible mortgage solutions for homeowners, self-employed borrowers, entrepreneurs, and real estate investors—including Non-QM, DSCR, bank statement, reduced-documentation, and HELOC solutions.

Position Summary:

The Non-QM & HELOC Mortgage Processor is responsible for managing residential mortgage and home equity loan files from application through closing. This role focuses on Non-Qualified Mortgage (Non-QM) products and Home Equity Lines of Credit (HELOCs), ensuring all loan documentation, underwriting conditions, compliance requirements, and closing timelines are met. The processor serves as the primary liaison between borrowers, loan officers, underwriters, title companies, attorneys, and third-party vendors to facilitate a smooth and timely loan closing.

Key Responsibilities:

Loan Processing

• Review loan applications for completeness, accuracy, and compliance with investor and company guidelines.
• Process Non-QM and HELOC loan files from application through closing.
• Analyze income, assets, credit, and collateral documentation to ensure files meet underwriting requirements.
• Calculate and validate borrower income for self-employed borrowers, bank statement programs, DSCR loans, asset depletion programs, and other Non-QM products.
• Order and review third-party services including:
• Title reports
• Flood certifications
• Verification services
• Submit complete loan packages to underwriting and manage all underwriting conditions through final approval.
• Review loan disclosures for accuracy and coordinate re-disclosures when necessary.

HELOC Processing

• Process HELOC applications in accordance with company, investor, and regulatory requirements.
• Review title, lien position, property valuation, and ownership documentation.
• Coordinate HELOC-specific documentation and closing requirements.
• Ensure compliance with rescission periods, state-specific regulations, and funding requirements.

Communication & Customer Service

• Serve as the primary point of contact for borrowers throughout the loan process.
• Communicate regularly with loan officers, underwriters, title companies, settlement agents, and attorneys.
• Provide status updates and proactively resolve file issues to avoid delays.
• Maintain a high level of customer service while managing multiple loan files.

Compliance & Quality Control

• Ensure compliance with federal, state, agency, and investor guidelines.
• Review loan files for completeness and audit readiness.
• Maintain accurate loan records within the Loan Origination System (LOS).
• Adhere to company policies, service-level agreements, and quality standards.

Qualifications:

• 3+ years of mortgage processing experience.
• Experience processing Non-QM loan products.
• Experience processing HELOC loans.
• Strong understanding of:
• Bank statement loans
• DSCR loans
• Interest-only products
• Knowledge of TRID, RESPA, ECOA, HMDA, and other mortgage regulations.
• Experience working with loan origination systems such as Encompass
• Proficiency with Microsoft Office Suite.
• Strong organizational skills and attention to detail.
• Ability to manage a high-volume pipeline while meeting deadlines.

Preferred Qualifications:

• 5+ years of mortgage processing experience.
• Experience with delegated and non-delegated underwriting environments.
• Familiarity with MERS registration and servicing transfer requirements.
• Experience processing loans in multiple states.
• Knowledge of condominium review requirements, including warrantable and non-warrantable projects.

Why Join Us?

We’re committed to creating an environment where our team can thrive, both professionally and personally. Here’s what you can expect when you join our organization:

Comprehensive Benefits from Day One

• A range of medical, dental, and vision plan options to meet your needs
• Company-paid life insurance, short-term, and long-term disability coverage
• Access to an Employee Assistance Program offering confidential support for personal, work-life, and everyday needs

Work-Life Integration That Works

• 9 company-recognized holidays, plus your birthday off
• 2 floating holidays for added flexibility
• Generous PTO and sick time
• Paid time off to vote
• Paid parental leave and bereavement leave

Growth & Development

• Ongoing learning opportunities, from technical skills to leadership development
• Tuition reimbursement to support your continued education
• A collaborative culture that prioritizes internal growth and career mobility
• 401(k) plan to help you plan confidently for the future

Culture & Connection

• Team-building events, company outings, and virtual gatherings that foster connection
• A workplace that values collaboration, recognition, and a sense of belonging

Emporium TPO LLC DBA Enrich Loans is an equal opportunity employer. At Enrich Loans, we are committed to treating all Applicants and Employees fairly based on their abilities, achievements, and experience without regard to race, national origin, sex, age, disability, veteran status, sexual orientation, gender identity, or any other classification protected by law.

All offers of employment are contingent upon the successful completion of a background check in accordance with company policy and applicable laws.

Please Note: This position is being managed directly by our internal recruiting team. We are not accepting unsolicited resumes or candidate submissions from recruiting agencies, staffing firms, or third-party recruiters.