Mortgage Loan Processor - Brick City Capital

Leverage Companies; New Jersey; Hybrid; USD 54,000 - 66,000; Full time

Benefits offered by this job

Cash OTE

Aggressive commission

Lead flow

AI-driven marketing

Job summary

Leverage Companies in Newark, NJ is seeking a Mortgage Loan Processor to manage a high-intent DSCR/non-QM loan pipeline. You review financial, credit, and property documents, ensuring accuracy and compliance while collaborating to streamline workflows.

The role emphasizes pricing analysis, data interpretation, and risk-aware decision-making; you will guide the loan lifecycle from submission through closing in a fast-paced, production-driven environment.

Qualifications

• 1+ years of proven experience and success track record in private/non-QM/DSCR/investor lending.
• Documented track record of consistent production, such as files volume.
• Demonstrated expertise in DSCR loan structuring, portfolio management, and navigating complex lending scenarios.
• In-depth knowledge of market trends, property valuation, and investment analysis.
• High personal standards and ownership mentality.
• Strong analytical, financial modeling, leadership, communication, and mentoring skills.

Responsibilities

• Process loan transactions, ensuring accuracy and compliance with internal policies and regulatory standards; focus on document collection and verification.
• Collaborate with teams to streamline processing workflows and improve efficiency.
• Conduct pricing analysis on loan products to support informed decisions and adjust strategies as needed.
• Serve as primary contact for assigned client accounts, providing updates and ensuring satisfaction.
• Analyze financial data, generate reports, and share insights for decision-making.
• Work with underwriting to identify risks and implement mitigation strategies.

Skills

DSCR / non-QM lending

Mortgage loan processing

Pricing analysis

Data analysis

Account management

Job description

About Leverage Companies:

Leverage Companies is a dynamic real estate private equity platform on a mission to create millionaires through real estate. We operate a vertically integrated ecosystem comprised of these divisions. Founded in 2018 proudly headquartered in Newark, NJ, we are scaling rapidly and building a world-class team committed to operational excellence, bold growth, and long-term impact.

About Brick City Capital:

Brick City Capital is a premier business-purpose lender to residential real estate investors and developers. We specialize in Debt Service Coverage Ratio (DSCR) loans for residential investment properties. BCC is the lending platform of Leverage Companies, backed by the TLC Opportunity Debt Fund and institutional capital partners and we offer a full non-QM product suite.

Why We Love Working at Leverage Companies:

At Leverage Companies, integrity, entrepreneurial drive, and a commitment to excellence shape everything we do. We move with accountability and ownership, pushing innovation forward through collaboration and a culture that’s truly out of this world. Fast‑paced and mission‑driven, we offer real opportunities for growth and a team environment where both collective wins and individual achievements are celebrated.

Our Track Record:

• $800M+ in total funding
• 18-day average closing timeline
• 85%+ close rate with an 80% repeat borrower rate
• NPLA 2025 Innovator of the Year
• Scotsman Guide Top DSCR Lender & #1 fastest-growing DSCR lender
• Market-Leading Product: Pricing in the 5’s with a full DSCR and non-QM product mix

The Opportunity:

The Mortgage Loan Processor is responsible for independently managing a pipeline of mortgage loan files, including the review, verification, and validation of financial, credit, and property documentation to ensure accuracy, completeness, and compliance with company policies and investor guidelines. This role handles more complex loan scenarios and serves as a key contributor to maintaining efficient loan progression in a fast-paced environment This is not just a typical processing, paper gathering position. You will quarterback the entire loan lifecycle, working a high-intent pipeline of DSCR and non-QM business.

What you will do:

Processing and Transaction Management:

• Execute and oversee the processing of loan transactions, ensuring accuracy and compliance with internal policies and regulatory standards primarily focused on document collection and verification
• Collaborate with various teams to streamline processing workflows and identify opportunities for efficiency improvements

Pricing Analysis:

• Conduct comprehensive pricing analysis on various loan products to support informed decision-making
• Stay abreast of market trends, competitive pricing, and economic indicators to adjust pricing strategies accordingly

Account Management:

• Serve as a primary point of contact for assigned client accounts, addressing inquiries, providing updates, and ensuring overall client satisfaction
• Collaborate with clients to understand their financial goals and tailor solutions to meet their individual needs

Data Analysis and Reporting:

• Utilize analytical tools and software to extract, analyze, and interpret financial data, providing insights for strategic decision-making
• Generate regular reports for internal and external stakeholders, highlighting key performance indicators and trends

Risk Management:

• Work closely with the underwriting team to identify potential risks associated with processing and pricing activities
• Develop and implement risk mitigation strategies to safeguard the interests of the company

Salary Range: $60,000 + variable cash compensation component

What you will get:

• A realistic $90k-$120k/year cash OTE for top-tier producers.
• No Gimmicks: An aggressive, production-based commission structure with an uncapped upside.
• The Platform: Benefit from an 85%+ close rate and massive borrower loyalty.
• Lead Flow: Access to a proven AI-driven marketing and follow-up funnel that feeds you real opportunities, not just "noise".

What you will bring to the table:

• 1+ years of proven experience and success track record in private/non-QM/DSCR/investor lending.
• Documented track record of consistent (over)production, such as files volume.
• Demonstrated expertise in complex DSCR loan structuring, portfolio management, and navigating intricate lending scenarios.
• In-depth knowledge of market trends, property valuation, and investment analysis.
• High personal standards and ownership mentality.
• Strong analytical, financial modeling, leadership, communication, and mentoring skills.

What we look for in all our employees:

• A demonstrated track record of winning; we never stop at "just enough"
• An insatiable eagerness to continuously learn and to be coached; we are lifelong learners and always make ourselves available to others to teach us something new
• A possession of strong entrepreneurial spirit; we have a burning passion for building something great out of nothing
• A big vision for themselves and those around them; we always strive to be the best version of ourselves and help those around us do the same
• An unwavering sense of integrity; an individual who roots oneself with a core belief that how one does anything is how one does everything

Additional Information:

Leverage Companies is an equal opportunity and an E-verify employer. We are committed to building a diverse, inclusive, and equitable workforce and do not discriminate based on characteristics of any kind. Leverage Companies is committed to providing reasonable accommodations for any candidates with disabilities who may need assistance during the talent acquisition process. To request a reasonable accommodation, please email [e-mail]

Leverage Companies highly values having employees working in-office to foster a collaborative work environment and company culture. Under certain circumstances, a hybrid working arrangement with a minimum of 3 days in office in Newark, NJ may be arranged.