Loan Processor

The Mortgage Loan Processor is responsible for managing residential mortgage loans from pre-approval through closing in a non-delegated, wholesale lending environment. This role focuses on building complete, accurate, and fully documented loan files for submission to investors while ensuring loans progress efficiently and borrowers remain informed throughout the process. The ideal candidate is highly organized, detail-oriented, and comfortable managing a high-volume pipeline in a fast-paced, production-driven environment.

Rosegate is a dynamic mortgage originator and master servicer with a growing portfolio of customers. Recognized by The Charlotte Business Journal as a '2025 Best Places to Work' company; we are building a high-performance retention engine to maximize portfolio value through refinance recapture, purchase retention, and customer-for-life strategies. Coupling this with our existing (and growing) retail channel, Rosegate is positioned for exciting growth and opportunities.

SMART. HUNGRY. HONEST.

AtRosegate, we don't just process loans-we build relationships, drive innovation, and shape the future of mortgage lending. We're a team that shows up every day with purpose, passion, and integrity. If you'reSMART, HUNGRY, and HONEST, you'll feel right at home here.

Key Responsibilities:

• Manage an active pipeline of approximately 40+ loans in various stages of processing
• Prioritize files based on lock expirations, submission timelines, and closing dates
• Maintain consistent pipeline movement to meet investor and closing deadlines
• Identify potential issues early and elevate appropriately

Loan File Preparation (Non-Delegated / Wholesale)

• Prepare complete andaccurateloan files for submission to wholesale investors
• Ensure loan packages meet investor documentation and stacking requirements
• Validate income, assets, credit, and collateral documentation prior to submission
• Submit clean, complete files to minimize underwriting touches

Communication & Coordination

• Serve as primary processing contact for Loan Officers and borrowers
• Coordinate with third parties including title, appraisal, insurance, and verification vendors
• Communicate with investor Account Executives andutilizeinvestor portals as needed
• Provide proactive and consistent status updates

Underwriting & Conditions

• Submit complete loan packages to investors for underwriting
• Review and clear investor conditions efficiently and accurately
• Work closely with Loan Officers and borrowers to obtain required documentation
• Prepare files for final approval and clear-to-close

Compliance & Quality

• Ensure files meet agency, investor, and regulatory requirements
• Maintainaccurateloan data in the LOS
• Adhere to disclosure timing and documentation standards
• Meet company quality control and file integrity expectations

Performance Expectations

• Maintain a pipeline of approximately 25-30 loans with multiple Loan Officers
• Submit high-quality files with minimal underwriting touches
• Clear conditions promptly andmaintainstrong file velocity
• Consistently meet lock and closing deadlines
• Maintain strong SLA performance across submission, conditions, and closing milestones
• Deliver a high-touch borrower experience and strong internal communication
• Meet production, quality, and compliance targetsestablishedby the company

Qualifications:

• 2+ years mortgage processing experience preferred, ideally in non-delegated or wholesale lending
• Bachelor’s degree preferred or equivalent mortgageprocessingexperience
• Experiencesubmittingloans through wholesale investor portals
• Familiarity with Conventional, FHA, and VA documentation requirements
• Ability to manage a high-volume pipeline in a production environment
• Strong attention to detail and file organization
• Comfortable reviewing income…