Senior Mortgage Loan Processor

About the Role

UMe is seeking a highly experienced Mortgage Loan Processor to join our growing team. This role is ideal for a detail-oriented, analytical, and strategic individual who thrives in a fast-paced lending environment and takes ownership of their pipeline.

The ideal candidate has at least 5 years of mortgage processing experience, understands the full loan lifecycle, and can proactively manage files to ensure clean submissions, efficient underwriting decisions, and smooth closings.

We are looking for someone who is self-motivated, organized, and solutions-oriented, capable of identifying issues before they become problems and working collaboratively with loan officers, borrowers, and third-party partners.

Key Responsibilities

• Manage a full pipeline of mortgage loan files from application through closing
• Review loan files for accuracy, completeness, and compliance
• Analyze borrower documentation including:
• income
• assets
• credit
• tax returns
• self-employed income
• Prepare files for submission to underwriting
• Identify potential underwriting issues early and work proactively to resolve them
• Maintain consistent communication with:
• loan officers
• borrowers
• title companies
• third-party partners
• Ensure loan files meet agency and investor guidelines
• Order and review third-party services such as appraisals, title, and verification reports
• Track and clear underwriting conditions
• Maintain detailed notes and ensure proper documentation within the LOS
• Help drive files to efficient and on-time closings

Qualifications

• Minimum 5 years of mortgage loan processing experience
• Understanding of agency and investor guidelines (Fannie, Freddie, FHA, VA)
• Experience reviewing complex income scenarios including self-employed borrowers
• High attention to detail and documentation accuracy
• Strong analytical and problem-solving skills
• Ability to manage multiple loan files simultaneously
• Experience working within a Loan Origination System (LOS) such as Arive or similar
• Effective communication and organizational skills
• Self-starter who takes ownership of their pipeline

Preferred Qualifications

• Experience processing complex or non-traditional loan products
• Knowledge of assumable mortgage transactions or willingness to learn
• Background working with high-producing loan officers
• Experience in fast-growth mortgage environments

Key Traits We Value

We are looking for professionals who are:

• Detail oriented — nothing slips through the cracks
• Analytical — able to evaluate borrower scenarios and identify issues early
• Strategic thinkers — able to anticipate underwriting needs
• Self-motivated — able to manage their workload independently
• Solutions focused — able to keep files moving forward

What Success Looks Like in This Role

• Clean loan submissions to underwriting
• Minimal file rework or condition churn
• Clear communication with borrowers and internal teams
• Efficient loan closings and superior borrower experience

Why Join UMe

UMe has built a modern mortgage experience focused on innovative financing strategies, including assumable mortgage opportunities. Our team values professionals who bring expertise, ownership, and commitment to operational excellence.

You will work alongside knowledgeable professionals in a collaborative environment focused on growth, efficiency, and delivering exceptional service to borrowers.

How to Apply

Please submit your resume along with a brief note highlighting:

• Your mortgage processing experience
• The types of loans you typically process
• Your familiarity with underwriting guidelines and complex income analysis

Pay: $50,000.00 - $100,000.00 per year

Benefits:

• Dental insurance
• Health insurance
• Paid time off
• Vision insurance

People with a criminal record are encouraged to apply

Work Location: Hybrid remote in Phoenix, AZ 85014