Mortgage Loan Processor - AI-Driven, Fast-Paced

Opendoor Home Loans LLC; Miami (FL); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Hybrid work model

Health benefits

Flexible PTO

Competitive compensation and equity

Job summary

Opendoor Home Loans in Miami seeks a Mortgage Loan Processor to manage conventional, FHA, and VA loans from application to clear-to-close. The role leverages an AI-assisted workflow to keep files moving toward a tight closing schedule in a tech-forward environment.

You will read income documents, calculate qualifying income, collaborate with loan officers, underwriters, and back-office teams, and identify opportunities for workflow improvements as the team scales.

Qualifications

• Mortgage loan processing experience at a non-bank lender, independent mortgage company, or high-volume production shop.
• Ability to read and interpret income documentation, including tax returns, and calculate qualifying income from it.
• Working knowledge of conventional (Fannie Mae/Freddie Mac) guidelines; exposure to FHA and/or VA a plus.
• Clear written and verbal communication, particularly with underwriters.
• Comfort working inside a fast-changing, technology- and AI-assisted origination platform rather than a static, legacy LOS.
• Clean employment and credit history sufficient to satisfy character and fitness standards.
• High school diploma or equivalent required; college degree a plus.

Responsibilities

• Own a pipeline from initial submission through conditional and final approval, keeping files moving toward tight, purchase-driven closing dates.
• Read income documents and calculate income from tax returns, pay stubs, W-2s, and business financials.
• Triage files before underwriting to catch issues early and avoid conditions or declines.
• Review borrower-submitted paperwork for what it shows and ensure documents support claims.
• Present a file's story clearly to underwriters to enable quick action.
• Work with loan officers and back-office teams to prevent gaps between roles.
• Operate inside an AI-assisted workflow and step in with manual review where needed.
• Identify workflow bottlenecks and propose improvements to speed up close times.

Skills

Mortgage processing

Income calculation

Underwriting triage

Communication

AI workflow

Process improvement

Team collaboration

Attention to detail

Education

High school diploma

College degree

Job description

Opendoor Home Loans in Miami seeks a Mortgage Loan Processor to manage conventional, FHA, and VA loans from application to clear-to-close. The role leverages an AI-assisted workflow to keep files moving toward a tight closing schedule in a tech-forward environment.

You will read income documents, calculate qualifying income, collaborate with loan officers, underwriters, and back-office teams, and identify opportunities for workflow improvements as the team scales.