Mortgage Processor

Sofi; Charlotte (NC); On-site; USD 50,000 - 70,000; Full time

Job summary

SoFi is seeking a Mortgage Loan Processor in Charlotte, North Carolina. This role involves reviewing loan applications for accuracy and ensuring timely packaging of loans originated by our Loan Officers.

The ideal candidate will have at least 2 years of mortgage processing experience, excellent communication skills, and the ability to manage a pipeline of 30–40 loans. SoFi offers a competitive compensation package and a commitment to an inclusive work culture.

Qualifications

• 2 years of mortgage processing industry experience.
• Ability to meet deadlines in a fast-paced environment.
• Team mentality and eagerness to delight clients.

Responsibilities

• Process and manage a pipeline of refinance and purchase loans.
• Communicate effectively with clients and internal teams.
• Gather and analyze documentation required for underwriting approval.

Skills

Mortgage processing experience

Knowledge of Fannie Mae and Freddie Mac guidelines

Excellent communication skills

Ability to manage 30–40 loan pipeline

Tools

Encompass LOS

Job description

The Role

The Mortgage Loan Processor works directly with individual applicants to review loan applications to ensure that the application is complete and accurate. This requires time and attention to detail. The role ensures the timely and accurate packaging of all loans originated by our Loan Officers using effective communication with multiple parties involved in the loan process.

What You’ll Do

• Provide excellent customer service and drive an overall exceptional customer experience using varying forms of communication.
• Process, manage, and act as the primary contact for a pipeline of refinance and purchase loans to meet closing deadlines and lock expiration periods.
• Maintain a progressing pipeline of Conventional, FHA and VA loans.
• Communicate effectively and timely to both external customers (Clients, 3rd Parties, Vendors) as well as internal customers (Loan Officers, Underwriters, Closers).
• Adapt to and maintain changing mortgage guidelines.
• Set borrower expectations for the mortgage process and establish that the processor is the main point of contact until closing.
• Request, gather, and analyze documentation required from borrowers, internal teams, and third parties for underwriting approval.
• Provide interdepartmental support and adapt easily to change.
• Strive to exceed productivity expectations and standards.
• Set expectations and serve as point of contact with realtors and other referral sources.
• Understand and request necessary documentation for mortgage financing (tax transcripts, pay stubs, tax returns, income calculations, etc.).
• Be highly organized and proactive; meet deadlines in a fast‑paced environment.

What You’ll Need

• 2 years of mortgage processing industry experience.
• Knowledge of Fannie Mae, Freddie Mac, VA, and FHA guidelines.
• Ability to maintain a pipeline of 30–40 loans of mixed variety.
• Excellent oral and written communication skills.
• Work well under time constraints and a constantly changing environment.
• Team mentality and ability to work as a member of a group.
• Eagerness to delight clients throughout the process and drive overall experiences.
• Knowledge of Encompass LOS.
• Experience with Day One Certainty Validations, HomeReady, and HomePath products.

Compensation And Benefits

The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.

To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!

SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (over 40), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.

The Company hires the best qualified candidate for the job, without regard to protected characteristics.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

New York applicants: Notice of Employee Rights.

SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email [e-mail].

Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.