Mortgage Loan Processor - Fast-Paced, Detail-Driven

RoundPoint Mortgage Servicing LLC; South Carolina; On-site; USD 52,000 - 76,000; Full time

Job summary

RoundPoint Mortgage Servicing LLC in Fort Mill, SC is seeking a reliable Loan Processor to support both origination and operations of residential mortgages, delivering high-quality service to borrowers and internal stakeholders.

You will review documents within 48 hours, communicate with borrowers, ensure accuracy of 1003, credit reports, and title quotes, and coordinate with underwriting and closing teams to meet closing deadlines.

Qualifications

• High School diploma or equivalent required.
• 4+ years mortgage experience in a mortgage processing position.
• Must have ability to verify all elements of a 1003, credit report, title quotes, tax certs, AUS, and mortgage Insurance.
• Working knowledge of conventional and government loan programs.
• Strong organizational skills, attention to detail and work in a high volume & ever-changing mortgage industry.
• Knowledge of consumer regulations—RESPA, TILA, TRID, HMDA, ECOA and all Fair Lending laws.
• Proficiency in Encompass LOS preferred and the ability to readily learn and operate effectively in other business technology applications required.
• Ability to work overtime when needed.
• Excellent communication and rapport building skills, promoting productive working relationships.
• Maintain sense of urgency.
• Maintain a level of professionalism when communicating with external clients.
• Ability to effectively communicate across multiple departments-originations, underwriting, secondary, processing and closing.
• Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the public.

Responsibilities

• Reviews all documents submitted by borrower within 48 hours of receipt.
• Direct communication with all borrowers via email and/or phone, returning all calls within 24 hours.
• Reviews accuracy and completeness of Loan Application, Automated Underwriting System and Credit Report.
• Review entire credit report for accuracy.
• Orders and retrieves 3rd party services (I.E. Credit report, Credit refresh, Credit supplements, Tax transcripts, Flood certificates, Fraud guard, VOE’s, Payoffs etc.)
• Review initial disclosures and check for signatures and dates.
• Review and calculate all types of income and any other mortgage related documents.
• Ordering all related condo documents if applicable (I.E. Master policy, budget, condo questionnaire etc.)
• Review and analyze appraisal reports for accuracy (I.E. Name & property address, value, and date of appraisal.)
• Review title reports for the following but not limited to: Effective date, loan amount, proposed insured, open liens/judgments and tax information.
• Responsible for properly updating Encompass to ensure current and accurate data.
• Submits complete file to Underwriter for initial underwrite & final review.
• Clear all prior-to-doc conditions.
• Effective communication with all parties and usage of the conversation log in Encompass to notate the loan files.
• Strong pipeline management skills to ensure closing dates are met.
• Participates in weekly pipeline reviews with the Loan Officer and Processing Manager providing status of all files.
• Assist closing & post-closing with any additional documents or information needed to close out file.
• Keep informed of trends and developments in the mortgage industry to include regulation changes.
• Processor will meet Round Point’s commitment to compliance and keep abreast of industry new products and guidelines.
• Redisclosing for change in circumstances if applicable.
• Title review and updates
• Ordering additional appraisal reports, if applicable (I.E. final inspection)

Skills

Mortgage processing

Encompass LOS

Communication

Attention to detail

Pipeline management

Regulatory knowledge

Time management

Interdepartmental communication

Education

High School diploma or equivalent

Associate degree

Tools

Encompass LOS

Job description

RoundPoint Mortgage Servicing LLC in Fort Mill, SC is seeking a reliable Loan Processor to support both origination and operations of residential mortgages, delivering high-quality service to borrowers and internal stakeholders.

You will review documents within 48 hours, communicate with borrowers, ensure accuracy of 1003, credit reports, and title quotes, and coordinate with underwriting and closing teams to meet closing deadlines.