Mortgage Hybrid Processor

US:

OK:

TULSA | Mortgage Company | Full Time

22.50 - 28.10 USD per hour

Posted 2 days ago | Apply before June 10, 2026

Pay is based on a number of factors including the successful candidate’s job‑related knowledge and skills, qualifications, and prior experience. Arvest offers a comprehensive suite of benefits, including a full range of health and life, financial, and wellness benefits. For more information about benefits, please visit

Position can be located at 525 S Main Street, Tulsa, Oklahoma. Other locations that will be considered are:
Tahlequah, Pryor, Muskogee, Wagoner, and Okmulgee in Oklahoma.

Position is Monday through Friday from 8 am to 5 pm with the ability to work additional hours as needed.

Preferred Experience:

Income Calculation, Encompass 360, Credit Report Review, Asset Review experience.

The Mortgage Hybrid Processor independently manages complex 1‑4 unit mortgage loan applications, ensuring compliance with program and regulatory guidelines. This role involves direct communication with all stakeholders, understanding investor guidelines (Fannie Mae, Freddie Mac), and demands high independence, efficiency, accuracy, and confidentiality in managing a pipeline of complex files.

• Analyze loan files to ensure all documentation adheres to program and regulatory guidelines across a diverse range of loan types to ensure compliance with the investor regulatory guidelines.
• Engage directly with borrowers, mortgage loan officers, title companies, insurance agents, realtors, and other relevant parties, fostering strong relationships with borrowers through ongoing communication and support through closing.
• Conduct initial reviews, update loan files with preliminary conditions, and directly communicate these conditions to borrowers. Proactively identify and obtain missing documentation from borrowers before loan submission for underwriting decisions.
• Review new loan files pre‑and post‑underwriting, identify necessary items from existing documents and prepare the documentation to be forwarded for underwriting review and completion.
• Monitor and address all file alerts within the Loan Origination System (LOS) from receipt through closing. Reconcile and correct loan applications in the LOS as documents are received, resolve discrepancies, and rerun AUS for accurate findings.
• Monitor NOI (Notice of Incompleteness) and Regulation B dates to ensure compliance with regulatory deadlines, issuing NOI or closing files for incompleteness as required.
• Analyze and calculate qualifying income by thoroughly reviewing credit, income, asset, and tax documentation for various borrower types and determining the need for additional documents. Review customer and third‑party documentation to determine the need for additional documents or clarifications.
• Monitor the assigned pipeline for required Verbal Verifications of Employment (VVOEs) to prevent delays in closing.
• Review files for flood certification and order if missing. Review flood certifications to determine if the subject property is located in a flood zone and print flood maps to identify the location of all structures, if applicable.
• Collaborate with the assigned mortgage loan officer to promptly order appraisals when required. Monitor, follow up on, review, and deliver appraisals in a timely manner, notifying the underwriter and appraisal team of any discrepancies.
• Manage all aspects of assigned pipelines, including verifications, to ensure compliance with service level agreements and timely follow‑up and a high degree of independence. Achieve underwriting approval on the first Resubmission at least 90 % of the time.
• Maintain a comprehensive understanding of investor guidelines, all loan programs, and regulatory requirements, and stay current with any updates.
• Independently make appropriate loan decisions that adhere to All Regs/Selling Guides/Lender Handbooks and Arvest Policies and Procedures, with minimal supervision.
• Review and ensure the presence of case numbers and acceptable CAIVRS in government loan files.
• Run fraud reports, review for potential borrower and/or property fraud, and follow appropriate procedures for…