Mortgage Processor

griffinfundinginc; United States; On-site; USD 45,000 - 60,000; Full time

Benefits offered by this job

Performance-based bonus

Advancement opportunities

Supportive work culture

Job summary

Griffin Funding is seeking a highly motivated Processor for their mortgage financing team in the United States. This role involves pre-underwriting Non-QM loans, catching issues before they are submitted, and ensuring a smooth process for loan officers and borrowers.

The ideal candidate will have at least two years of experience in processing residential loans and will be expected to handle complexities that aren’t typical in conventional processing roles. Performance-based pay allows top performers to earn substantial bonuses, making your skills valued and compensated fairly.

Qualifications

• Minimum 2 years of experience with Non-QM Loans.
• Ability to read credit reports quickly.
• Experience with complex income scenarios.

Responsibilities

• Conduct pre-underwriting for loan files.
• Identify and resolve guideline conflicts.
• Ensure quality control between submission and funding.

Skills

Pre-underwriting capability

Complex income calculation

Excellent communication

Problem-solving skills

Education

2+ years processing residential loans

Job description

Own the Process. Earn Like You Matter.

Most mortgage companies treat processors like back-office support. At Griffin Funding, you're the operator who makes million-dollar deals close, and you're paid like it.

What You'll Actually Make

Our processors fund 15-20 Non-QM loans per month and earn $3,750–$5,000 in bonuses on top of their base salary. Strong performers consistently earn $10,000+ per month. Your bonus isn't just volume. It's tied to pull-through, borrower experience, and five-star reviews. Clean execution pays.

What Makes This Role Different

You're not a document collector. You're pre‑underwriting every file before submission. You're catching guideline conflicts, income calculation errors, and property issues before underwriting does. You're thinking two steps ahead on every loan.

You handle complexity that most processors never see. Bank statement income. P&L programs. DSCR investor loans. Multiple property scenarios. Self‑employed borrowers with variable comp. This isn't cookie‑cutter Fannie Mae processing. You're building real expertise.

Your opinion matters. When a loan officer brings you a marginal deal, you're the one who tells them if it works or not. You know the guidelines. You know what underwriting will flag. You're a strategic partner.

What We're Looking For

Experience that counts. 2+ years of processing residential loans in NON-QM Loans, specifically DSCR & Bank Statement loans within the past 2 years. You've worked in an LOS, you can read a credit report in 60 seconds, and you know the difference between program guidelines and investor overlays.

You pre‑underwrite in your sleep. You catch DTI errors before they become conditions. You spot income calculation mistakes in the application. You know when an appraisal will come in, short before it's even ordered. You review files the way underwriters think.

You calculate complex income correctly. Self‑employed? You're pulling 1040s, Schedules C, K-1s, and depreciation addbacks. Variable comp? You're averaging it correctly and documenting the stability. Bank statements? You're applying the right percentage and structuring it according to the guidelines. Rental income? You know when to use actuals vs. market rent and which investor accepts what.

You solve problems, not create them. When something's missing, you find it. When guidelines conflict, you figure it out. When underwriting pushes back, you know if they're right or if you need to resubmit with clarification.

You communicate like a professional. Borrowers aren't confused by your requests. Loan officers aren't chasing you for updates. You explain what you need, why you need it, and when it's due.

You want to get better. You're not here to process the same file 1,000 times. You want to learn DSCR. You want to master Non-QM overlays. You want to become the processor that loan officers fight to work with because you make their deals close.

Why Processors Stay at Griffin

Non‑QM expertise builds your resume. Most processors never touch investor products, complex income scenarios, or Non‑QM programs. Here, it's your daily work. You're becoming the processor other companies will pay a premium for.

Performance‑based pay that's actually fair. Your bonus is tied to funded volume, pull‑through rate, and borrower reviews. Close clean files, keep deals moving, deliver great experiences get paid accordingly.

Systems that don't fight you. Organized pipelines. Dedicated support for title, appraisal, and conditions tracking. Technology that actually helps. You spend your time processing, not fixing broken workflows.

Advancement built into the structure. Senior processor. Non‑QM product specialist. Processing trainer. Operations leadership. We aim to promote the people who've proven they can run the system at a high level.

A culture that respects execution. Loan officers know they don't close without you. Leadership knows you're the quality control between a submitted file and a funded loan. Borrowers leave five‑star reviews because you kept them informed and made it smooth. Your work is visible, valued, and compensated accordingly.

What We Expect From Day One

You take ownership. Your files are your responsibility. You know what's in your pipeline, what's at risk, and what's funding this week.

We're a referral‑based company. 1st party SEO driven leads. Every file you touch reflects on Griffin Funding's reputation. Clean files build trust with realtors, financial advisors, and CPAs who refer their clients to us. And repeat/ referral business!

You stay humble and keep learning. Guidelines change. Investors update overlays. New loan programs roll out. You don't coast on what you knew last year.

Ready to Process at a Higher Level?

Most processors spend their careers managing chaos, hoping to survive the day. At Griffin Funding, you'll manage complexity, earn what you're worth, and build expertise that makes you one of the best in the business.

Strategic. Highly Compensated. That's processing at Griffin Funding.

Griffin Funding, provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, Griffin Funding, complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities.

NMLS #1120111

VA Approved Lender ID: 9088650000

FHA Non-Supervised Lender No.: 01472-0000-3