Mortgage Loan Processor (Fintech)

TL;DR

Mortgage Loan Processor (Fintech): Managing residential mortgage loan files and fulfilling requirements to advance them to closing with an accent on documentation review, compliance, and pipeline management. Focus on calculating verified income, validating assets, and utilizing Loan Origination Systems like Vesta.

Location: Remote (USA)

Salary: $30 – $34 per hour + Commission

Company

hirify.global is a technology-first mortgage servicing and consumer direct lending platform backed by Andreessen Horowitz, utilizing an AI-native operating system.

What you will do

• Manage a pipeline of up to 25 brokered first mortgages or 50 brokered second mortgages simultaneously.
• Process loans in accordance with purchase contract deadlines and rate-lock expiration requirements.
• Analyze documentation to calculate verified income and validate assets using systems such as Vesta.
• Maintain consistent communication with borrowers and loan officers regarding loan status and material changes.
• Prepare complete and compliant loan files for underwriting and closing.
• Assist in resolving post-closing conditions to mitigate financial risk.

Requirements

• Must be based in the USA (implied by 401k, US health insurance and federal regulation requirements).
• 3+ years of mortgage processing or underwriting experience.
• Thorough understanding of federal rules and regulations including RESPA, TILA, ECOA, TRID, and CFPB.
• 2+ years of vendor management experience with third-party services.
• Knowledge of state lending laws and experience using government sites for VA and FHA files.
• High school diploma or GED equivalent.

Nice to have

• Experience working with Vesta (Loan Operating System).
• Experience with Encompass.

Culture & Benefits

• Competitive salary and 401(k) plan with a 4% annual match.
• Generous paid time off: 17 days of PTO, 5 sick days, and 11 company holidays.
• Comprehensive low-cost medical, dental, and vision benefits.
• 12 weeks of fully paid parental leave for birthing and non-birthing parents.
• Healthy work-life balance with no weekends or late nights required.