Processor - Bilingual

Churchill Mortgage Corporation NMLS # 1591; Brentwood (TN); Remote; USD 55,000 - 75,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

HSA/FSA

Life insurance

Disability insurance

Paid time off

401(k) & ESOP

Job summary

Churchill Mortgage Corporation is seeking a Loan Processor to review and analyze mortgage applications, verify documents, and coordinate with borrowers, loan officers, and underwriters. The role requires bilingual English/Spanish communication and at least five years of processing experience.

Candidates must ensure regulatory compliance, manage a busy loan pipeline, and guide borrowers through the closing process while maintaining high service levels.

Qualifications

• Bilingual in English and Spanish required.
• Minimum 5 years of recent mortgage processing experience.
• Knowledge of mortgage regulations and underwriting guidelines.

Responsibilities

• Review and analyze mortgage loan applications.
• Verify documents for accuracy and completeness.
• Coordinate with borrowers, loan officers, and underwriters.
• Ensure compliance with lending requirements and timelines.
• Enter/update loan data in processing system.
• Manage pipeline and meet closing deadlines.

Skills

Bilingual English/Spanish

Mortgage processing

Communication skills

Organization & time management

Education

High school diploma or GED

Tools

Encompass

Loan origination software

Pricing engine software

Job description

About Us

Churchill Mortgage began in 1992 with the core value of providing the highest level of integrity to each and every customer, meaning we tell our customers what is best for them even when it means we won't close their loan. We have found over and over again that treating people the way we want to be treated is not only the right thing to do, but it builds lasting relationships. Churchill Mortgage proudly embraces the sound financial principles, as heard on the Dave Ramsey Show.

About Us

Churchill Mortgage began in 1992 with the core value of providing the highest level of integrity to each and every customer, meaning we tell our customers what is best for them even when it means we won't close their loan. We have found over and over again that treating people the way we want to be treated is not only the right thing to do, but it builds lasting relationships. Churchill Mortgage proudly embraces the sound financial principles, as heard on the Dave Ramsey Show.

Basic Function & Qualifications

The Loan Processor meticulously reviews and analyzes mortgage loan applications, ensures accurate documentation, verifies borrower information, coordinates with stakeholders, and facilitates the loan approval process in compliance with regulatory requirements.

The Loan Processor must be bilingual in English and Spanish & have 5+ years of recent mortgage processing experience. Must be available to work during Central Time business hours.

Responsibilities

• Review and analyze mortgage loan applications submitted by borrowers.
• Verify the accuracy and completeness of borrower-provided documents, including income statements, tax returns, credit reports, and employment verification.
• Communicate with borrowers to request any additional documentation or information needed for the loan application.
• Provide guidance and support to loan officers in collecting necessary documentation and ensuring compliance with lending requirements.
• Conduct a thorough analysis of the borrower's credit history and creditworthiness.
• Verify the borrower's income and employment details to assess their ability to repay the loan.
• Coordinate with appraisers to ensure accurate property appraisals and evaluate the property's value in relation to the loan amount.
• Ensure that all aspects of the mortgage application process comply with regulatory requirements, including state and federal laws.
• Stay informed about different loan programs, eligibility criteria, and lending guidelines to advise borrowers and ensure adherence to program requirements.
• Collaborate with underwriters to address any additional information or conditions required for loan approval.
• Enter and update borrower information and loan details accurately into the mortgage processing system.
• Manage and prioritize a pipeline of mortgage applications to meet processing timelines and closing deadlines.
• Communicate with various stakeholders, including loan officers, underwriters, title companies, and real estate agents, to facilitate a smooth loan processing and closing process.
• Ensure the accuracy and completeness of all loan documentation to minimize errors and delays in the approval process.
• Provide excellent customer service to borrowers by addressing inquiries, providing updates, and guiding them through the mortgage process.
• Identify and resolve any issues or discrepancies in the loan application process promptly.
• Work within established timelines to ensure timely processing and closing of mortgage loans.
• Other duties as assigned

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education/Experience

• Minimum of 5 years of recent mortgage processing experience
• In-depth knowledge of mortgage regulations, underwriting guidelines, and industry standards
• High school diploma or general education degree (GED); related residential mortgage lending process experience and/or training or equivalent combination of education and experience required.

Skills

• Bilingual communication: Excellent verbal and written communication skills in English and Spanish, including strong reading and proofreading abilities.
• Professional & interpersonal: Independent judgment, analysis, customer service, diplomacy, organization, negotiation, planning, professionalism, and time management.
• Technical: Math proficiency, computer literacy.
• Computer Skills

To perform this job successfully, an individual should have knowledge of Loan Origination Software & Pricing Engine software, preferably Encompass.

Other Requirements

Must be able to pass a criminal history information background check. Other duties may be applicable as business needs may dictate and as assigned by management. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. If you are working remotely, you must have access to reliable, high-speed internet (not satellite; Minimum of 25 Mbs download speed and 15 Mbs upload speed).

Compensation

This position is non-exempt, hourly. Pay range is $55,000 - $75,000 annually, plus bonus. Rate of pay is commensurate with experience.

Benefits

Churchill Mortgage’s generous benefits package is available to all full-time employees. This includes Medical, Dental, Vision, HSA, FSA, Life, Disability, Accident, Cancer, Critical Illness, Paid Time Off, 401(k) & ESOP (Employee Stock Ownership Program).

Employees Own The Company

Our ESOP was established by founder and president, Mike Hardwick, in 2013. It gives all current and future Churchill Mortgage employees ownership of the company in the form of company stock. Churchill Mortgage is the first privately‑owned mortgage company to offer an Employee Stock Ownership Program (ESOP).

Churchill Mortgage Corporation is an Equal Opportunity Employer