Jr. Processor

Power U.S. Home Loans From Anywhere

Plug into the U.S. home loan market and become a key player in processing deals that put families under new roofs. It's a global career move from home, built on precision, compliance, and the drive to close with confidence.

Job Description

As a Jr. Processor, you'll manage mortgage loan pipelines, ensure compliance with underwriting standards, and keep brokers informed every step of the way. Your attention to detail and coordination skills will help drive smooth and accurate closings across U.S. markets.

Job Overview

Employment type: Full-time

Shift: Night shift

Work setup: Temporary Work From Home, Ortigas

Exciting Perks Await

• Day 1 HMO coverage with free dependent
• Competitive Salary Package
• Night differential pay to maximize your earnings
• Temporary WFH arrangement
• Prime office location in Ortigas (Easy access to MRT stations, restaurants, and banks)
• Unlimited upskilling through Emapta Academy courses (Want to know more? Visit )
• Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer
• Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more)
• Unlimited opportunities for employee referral incentives across the organization
• Standard government and Emapta benefits
• Total of 20 annual leaves to be used on your own discretion (including 5 credits convertible to cash)
• Fun engagement activities for employees
• Mentorship and exposure to global leaders and teams
• Career growth opportunities
• Diverse and supportive work environment

The Qualifications We Seek

• 1-2 years of experience in U.S. mortgage processing, with expertise in order-outs (including ordering flood certificates, credit reports, appraisals, tax returns, and HOA documents)
• Completed advanced skill-building and mentoring from Orion Lending underwriters
• Proficiency in hazard insurance, flood insurance, and Closing Protection Letters (CPL)
• Experience handling inquiry letters and reviewing Initial 1003 and HUD addendum conditions
• Ability to implement program and rate changes in preparation for underwriting
• Expertise in compliance regulations, including RESPA, MDIA, Reg Z, and GFE

Skills & Knowledge:

• Strong organizational and communication skills
• Solid understanding of residential mortgage loan terminology, credit processes, and documentation
• Ability to work independently, manage multiple tasks, and prioritize effectively to meet service standards
• Functional knowledge of Encompass software
• Commitment to delivering industry-leading service to broker partners and account executives

Your Daily Tasks

• Act as a liaison between brokers, underwriters, appraisal reviewers, account executives, and funders to ensure prompt and efficient service
• Manage the assigned loan pipeline, ensuring timely processing and adherence to company lending and service standards
• Ensure all underwriting requirements and conditions are met before finalizing loan-closing documents
• Apply appropriate procedures to pipeline loans that are canceled or denied
• Oversee each assigned loan application from initiation to closing
• Communicate with brokers to provide real-time loan status updates
• Confirm loan rates and fees, ensuring accurate data entry in the loan origination system for documentation preparation
• Request and verify loan documentation to satisfy underwriting conditions
• Stay up to date on company policies and ensure full compliance with regulatory requirements
• Coordinate the delivery of loan closing documents to designated closing agents or title companies
• Maintain clear and consistent communication with brokers, underwriters, funders, and assigned account executives
• Accurately price loans based on the company rate sheet and submit them via the loan origination system

About the Client

Our client, American Financial Network, Inc. (AFN), is one of the fastest-growing mortgage bankers in the United States, with a strong reputation for delivering top-tier lending services since 2001. Headquartered in Brea, CA, AFN combines community-focused service with national strength. As a Direct Lender with delegated authority, AFN offers in-house processing of a wide range of loan products and prides itself on efficient operations, exceptional training, and a family-oriented culture that values its people.

Who Are We

Join a team that values camaraderie, excellence, and growth. Recognized as one of the Top 20 Dream Companies of Filipinos in 2024, Emapta stands proudly alongside industry giants, offering stability and exciting career opportunities. Your career flourishes here with competitive compensation, international clients, and a work culture focused on collaboration and innovation. Work with global clients across industries, supported by a stable foundation and like-minded professionals passionate about making an impact. Apply now and be part of the #EmaptaEra