Loan Processor Specialist

Overview

We are looking for a Loan Processor/Loan Specialist to manage loan files from application to closing for our Modesto Ops. This is a borrower and lender facing coordination role (not a sales role) focused on keeping files moving, documentation complete, and communication tight across borrowers, loan officers, and wholesale lenders. This is a fully remote, full‑time position (US & Lat Am‑based welcomed).

This position is remote in Mexico.

• Manage a pipeline of active loan files from intake through closing, tracking status, and next steps in the CRM/pipeline system
• Collect, review, and organize borrower documentation (income, assets, credit, property) for completeness and accuracy
• Submit loan files to wholesale lenders and respond to underwriting conditions in a timely manner
• Communicate with borrowers to request missing documents, provide status updates, and answer non‑negotiation process questions
• Coordinate with title, escrow, and appraisal vendors to keep closing timelines on track
• Maintain accurate, compliant file documentation in line with non‑QM lending and investor requirements
• Escalate any borrower questions involving rate, term, or loan structure decisions to a licensed loan officer
• Update leadership/loan officers on file status, bottlenecks, and at‑risk closings
• Follow the internal Click Up workflow and communication SOP for task tracking and status updates

• Daily – Check pipeline for new files and outstanding conditions, request/review borrower documents, submit condition responses to lenders, update file status in the CRM, and respond to Click Up/Google Chat items per the SOP.
• Weekly – Full pipeline review with loan officers/leadership, flag at‑risk files, bottlenecked conditions, or closings at risk of delay.
• Per File (Application to Close) – Intake review, document collection, file submission to wholesale lender, condition clearing loop with underwriting, coordination with title/escrow, final closing documentation, and file handoff.
• Ongoing – Maintain a clean audit trail on every file for compliance purposes; ESCALATE anything borderline on the “processing vs. origination” line to a licensed loan officer rather than handling it directly.

• 2+ years of mortgage loan processing experience (non‑QM, conventional, or a mix)
• Working knowledge of the mortgage file lifecycle: application, disclosures, underwriting conditions, closing
• Experience in submitting files to wholesale lenders and clearing underwriting conditions
• Strong organizational skills and comfort managing multiple files/deadlines simultaneously
• Professional written and verbal English for borrower and lender communication
• US‑based, authorized to work in the US
• Reliable internet and remote work setup; ability to work Pacific Time business hours

• Experience specifically in non‑QM lending
• Familiarity with Go High Level (GHL) or similar mortgage CRM/pipeline tools
• Prior experience in a California‑based brokerage
• Bilingual English/Spanish (C2+)
• Familiarity with Click Up or similar project management tools
• Prior NMLS licensure (even if not required for this specific role), a plus for future growth into a licensed position
• Full knowledge of Fannie/Freddie/FHA guidelines
• Understanding of DTI/Credit Score/LTV's tricks to DU/LP approvals

$10 - $15 hourly