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Red Ventures · 1 week ago

Mortgage Loan Processor (Builder) | Sage Home Loans

Charlotte, NC

Full-time

Hybrid

Entry, Mid Level

2+ years exp

Red Ventures is a leading digital mortgage lender through its subsidiary, Sage Home Loans, focused on redefining the mortgage origination experience. The Mortgage Loan Processor will manage a pipeline of builder and broker loans, ensuring timely communication and collaboration with various stakeholders to drive loans to closing while providing exceptional client service.

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Responsibilities

Accurately package a pipeline of builder and broker loans funneled to you by Mortgage Loan Originators, managing an average of 20+ loans at a time

Ensure timely, proactive phone and email communication with borrowers throughout the loan origination process

Handle all loan documentation and meet deadlines consistently

Establish strong upfront relationships with borrowers and guide them through the loan process

Determine borrower creditworthiness by gathering and analyzing credit reports, qualifying ratios, income and expense data, employment documentation, and property values

Verify and analyze all required financial and legal documentation from pre-approval to closing, ensuring loan files are complete and satisfy underwriting conditions

Proactively identify and mitigate potential issues that may arise during the origination process

Collaborate with internal and external teams to drive loans to a timely and successful closing

Provide operational feedback to management and suggest alternative models to improve efficiency and conversion rates

Qualification

Mortgage loan processingEncompass loan originationLoan typesAgency conventional underwritingBroker portals proficiencyProactive communicationHighly organizedProblem-solving skillsDetail-oriented

Required

2–3 years of experience actively managing a pipeline of residential mortgage loans

A solid understanding of the mortgage loan process and various loan types, including FNMA, FHLMC, FHA, and Jumbo

Knowledge of agency conventional underwriting product guidelines

Proficient in the Encompass loan origination system and the Microsoft Office suite

Proficient in Broker portals Kind, Click & Close, or similar

Proactive and engaging communicator with the ability to thoughtfully guide borrowers through the loan process

Highly organized, detail-oriented, and capable of solving problems independently

Benefits

Health Insurance Coverage (medical, dental, and vision)

Life Insurance

Short and Long-Term Disability Insurance

Flexible Spending Accounts

Holiday Pay401(k) with match

Employee Assistance Program

Paid Parental Bonding Benefit Program

Flexible Paid Time Off (PTO): We believe time to rest and recharge is essential. That’s why we offer a generous and flexible PTO policy. Full-time employees accrue 20 days of PTO for a full calendar year annually, with an increase to 25 days after five years of service.