Senior US Mortgage Loan Processor

Where Precision Meets Global Finance

Now's your chance to be at the forefront-processing loans with precision, ensuring airtight compliance, and keeping the mortgage pipeline flowing seamlessly. This isn't just about crunching numbers; it's about securing homes, building financial futures, and making an impact in a global market.

Job Description

As a Senior US Mortgage Loan Processor, you will oversee a pipeline of loans from application to completion. You will act as the key liaison between clients, internal teams, and third-party vendors-ensuring accurate documentation, compliance with regulations, and seamless loan processing.

Job Overview

Employment Type: Full-Time

Shift: Monday - Friday, 9:00 PM - 6:00 AM (Night Shift); Weekends Off

Work Setup: Temporary Work-from-Home, Any PH site

Exciting Perks Await

• Day 1 Comprehensive HMO coverage with free dependent
• Competitive Salary Package with Sign-On Bonus
• Night differential pay to maximize your earnings
• Temporary WFH arrangement
• Prime office locations (Conveniently accessible by PUVs, with nearby restaurants and banks)
• Fixed weekends off
• 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

• 3-5 years of U.S. residential mortgage processing experience, including conventional, FHA, and VA loans
• Strong knowledge of loan products, underwriting requirements, and agency/FHA/VA guidelines
• Proven expertise in handling order-outs, including flood certificates, credit reports, appraisals, tax returns, and HOA documents
• Familiarity with U.S. mortgage regulations and compliance standards
• Proficient in Encompass (preferred) and Microsoft Office
• Excellent communication skills, with the ability to deliver timely, professional updates by phone and email
• Highly organized, detail-oriented, and able to manage multiple tasks in high-volume settings
• Collaborative, proactive, and quick to learn new systems, products, and guidelines

Preferred Expertise

Candidates should be experienced in handling:

• Letters of Explanation
• Pre-Close Debt Monitoring Reports
• Hazard and Flood Insurance Requirements
• Flood Certificates
• Photo ID and SSN Validation
• Closing Protection Letters, Errors & Omissions Insurance for closing agents
• Experience with Encompass (preferred)

Your Daily Tasks

• Manage a designated pipeline of loans from application to completion, ensuring efficiency and accuracy throughout the process
• Provide real-time updates and act as the liaison between clients, internal departments, and third-party vendors to facilitate loan transactions
• Obtain and analyze mortgage application documents, including credit reports, income verification, asset details, title work, appraisals, and other relevant information
• Oversee daily pipeline management, ensuring timely processing to meet rate lock expirations, mortgage commitment deadlines, and department turn times
• Communicate loan status updates effectively to borrowers, sales teams, and all involved parties
• Ensure compliance with disclosure requirements and adhere to all regulatory and company compliance standards
• Prepare accurate loan files for closing, verifying key details such as closing dates, first payment schedules, and escrow account setup while coordinating with settlement agents
• Collaborate with underwriting, documentation, funding, post-closing, and other internal departments to ensure accuracy and compliance throughout the loan process
• Maintain and update loan statuses within Encompass, ensuring that denied or canceled loans are processed in a timely manner to reflect an accurate pipeline status

About the Client - Setting the Standard in Financial Excellence

Our client, American Financial Network, Inc. is a leader in the leasing industry since 1988, has written over 4,000 leases and continues to set the highest standards of professionalism and ethics. With leadership deeply rooted in industry best practices, they are committed to delivering top-tier financial solutions. Their CEO, a Certified Lease Professional and a former President of the National Association of Equipment Leasing Brokers, ensures they remain at the forefront of industry developments.

Welcome to Emapta Philippines

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. We empower your success with opportunities for personal and professional development in an inclusive environment. Apply now and be part of the #EmaptaEra