[Hiring] Mortgage Loan Processor @3 Keys Lending

Role Description

We're looking for an experienced Loan Processor (Loan Partner 3) who takes pride in delivering an exceptional client experience while keeping loans moving efficiently. If you are a mortgage processor who is fluent in both English and Spanish and enjoys taking ownership of your pipeline, communicating proactively, solving problems, and working alongside a supportive, high-performing team, we'd love to meet you.

The LP3 is responsible for managing loans from lock through funding, ensuring timely, accurate, and high-quality underwriting submissions and closings. This role works closely with the Loan Officer, Loan Partners, underwriters, borrowers, and third-party partners to proactively manage files, minimize underwriting conditions, and help ensure loans close on time.

Qualifications

• Fluent in both English and Spanish
• 3+ years of mortgage processing experience for a broker
• Outstanding communication skills
• Excellent attention to detail and a strong sense of accountability and pride in their work
• Ability to manage a high-volume pipeline with accuracy and efficiency
• Self-starter who takes ownership and gets things done
• Thrives in a fast-paced environment while maintaining accuracy
• Flexible and willing to go the extra mile when needed
• Not hesitant to pick up the phone to communicate
• Loves helping people
• Coachability and embraces new ideas and processes
• Enjoys working as part of a team
• Fluency in Portuguese is a plus

Requirements

• Review all incoming loans within one business day of receipt
• Review approximately five loans daily (or as directed by the Loan Officer)
• Verify loan file completeness using the pre-underwrite checklist
• Request and analyze documentation related to cash, credit, income, and borrower capacity
• Work with the Loan Partners and Loan Officer to obtain any missing documentation needed for underwriting
• Initiate all required third-party services
• Submit complete, accurate, high-quality loan files to underwriting within three business days
• Average approximately three underwriting submissions per day
• Strive for 95% or more of initial Conditional Loan Approvals (CLAs) to have 10 or fewer conditions
• Review Conditional Loan Approvals (CLAs) for clarity and accuracy
• Confirm outstanding conditions have not already been received before requesting additional documentation
• Translate underwriting conditions into borrower-friendly language
• Review, package, and submit conditions accurately and promptly
• Maintain a two-touch maximum to Clear-to-Close
• Share feedback and best practices with the team to strengthen future loan submissions
• Send Clear-to-Close requests to the full loan team
• Review Initial Closing Disclosures (ICDs) and Closing Disclosures (CDs) for accuracy against the Loan Estimate
• Ensure 95% or more of loans close on time
• Monitor closed loans for funding authorization
• Respond to post-funding issues the same business day
• Clear post-funding conditions as required
• Support borrowers and team members with post-closing questions
• Collaborate with the team to improve LP2 submission checklists and workflows
• Attend weekly team and pipeline meetings
• Log all critical communication in the Loan Origination System (LOS)
• Build strong working relationships with underwriting, closing, funding, post-closing, and quality control teams
• Deliver proactive, high-quality communication that exceeds traditional processing expectations
• Help create an exceptional borrower experience through clear communication, attention to detail, and consistent follow-through

Benefits

• Minimum of 3 years of mortgage processing experience for a Broker
• Strong knowledge of Conventional, FHA, VA, Non-QM, Jumbo, DSCR / Investor, USDA
• Experience with DU/DO and Loan Prospector
• Experience using major Loan Origination Systems
• Excellent verbal and written communication skills in English and Spanish
• Strong organizational and time-management skills
• Ability to manage multiple deadlines in a fast-paced environment
• Detail-oriented with a high level of accountability
• Strong critical-thinking and problem-solving skills
• Coachable and open to learning new systems and processes
• Positive attitude with a team-oriented mindset and the ability to collaborate across departments
• Completion of all required regulatory and compliance training