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Overnight Loan Processor Jobs (NOW HIRING)

Truist

Mortgage Loan Processor

Richmond, VA

$45K - $80K/yr

... process loans. 2. Develop and maintain a strong understanding of Mortgage Lending products ... overnight. Preferred Qualifications: 1. Bachelor's degree, or equivalent education and related ...

Truist

Mortgage Loan Processor

Richmond, VA · On-site

$45K - $80K/yr

... process loans. 2. Develop and maintain a strong understanding of Mortgage Lending products ... overnight. Preferred Qualifications: 1. Bachelor's degree, or equivalent education and related ...

AgSouth

Loan Processing Coordinator

Fletcher, NC · On-site

The Loan Processing Coordinator will collaborate and work as a team with the branch location to ... Ability to travel overnight as needed for learning and development activities Other Details:

DHI Mortgage

Mortgage Loan Originator

Rowlett, TX · On-site

Daily Pipeline Management (loan application to funding process) to ensure that the loan process ... Able to travel overnight * Market the company's products and services accurately and effectively to ...

DHI Mortgage

Mortgage Loan Originator

Greenville, SC

Daily Pipeline Management (loan application to funding process) to ensure that the loan process ... Able to travel overnight * Market the company's products and services accurately and effectively to ...

D.R. Horton, Inc

Mortgage Loan Originator

Rowlett, TX · On-site

Daily Pipeline Management (loan application to funding process) to ensure that the loan process ... Able to travel overnight * Market the company's products and services accurately and effectively to ...

DR Horton

Mortgage Loan Originator

Montgomery, AL · On-site

Daily Pipeline Management (loan application to funding process) to ensure that the loan process ... Able to travel overnight * Market the company's products and services accurately and effectively to ...

DR Horton, Inc.

Mortgage Loan Originator

Ridgeland, MS · On-site

Daily Pipeline Management (loan application to funding process) to ensure that the loan process ... Able to travel overnight * Market the company's products and services accurately and effectively to ...

DR Horton

Mortgage Loan Originator

Charlotte, NC · On-site

Daily Pipeline Management (loan application to funding process) to ensure that the loan process ... Able to travel overnight * Market the company's products and services accurately and effectively to ...

DHI Mortgage

Mortgage Loan Originator

Richmond, TX

Daily Pipeline Management (loan application to funding process) to ensure that the loan process ... Able to travel overnight * Market the company's products and services accurately and effectively to ...

D.R. Horton, Inc

Mortgage Loan Originator

Charlotte, NC · On-site

Daily Pipeline Management (loan application to funding process) to ensure that the loan process ... Able to travel overnight * Market the company's products and services accurately and effectively to ...

DHI Mortgage

Mortgage Loan Originator

Hoover, AL · On-site

Daily Pipeline Management (loan application to funding process) to ensure that the loan process ... Able to travel overnight * Market the company's products and services accurately and effectively to ...

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Overnight Loan Processor information

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How much do overnight loan processor jobs pay per hour?

As of Jul 17, 2026, the average hourly pay for overnight loan processor in the United States is $21.30, according to ZipRecruiter salary data. Most workers in this role earn between $18.03 and $24.04 per hour, depending on experience, location, and employer.

Will MLO be replaced by AI?

An Overnight Loan Processor is unlikely to be fully replaced by AI, as the role involves reviewing complex financial documents, verifying information, and making judgment-based decisions. AI tools can assist with data entry and document analysis, but human oversight remains essential for compliance and customer interaction. Developing skills in loan software and understanding lending regulations can enhance job security in this evolving environment.

How many hours do loan processors work?

Loan processors typically work full-time hours, which often range from 40 to 50 hours per week, including some overtime during busy periods. The schedule may involve standard daytime hours, but some roles require evening or weekend shifts depending on the employer and workload. Flexibility and attention to detail are important in this role to meet processing deadlines.

What are some common challenges faced by Overnight Loan Processors, and how can they be managed effectively?

Overnight Loan Processors often encounter challenges such as tight turnaround times, limited access to immediate team support, and the need to resolve discrepancies with minimal supervision. To manage these, it's important to stay organized, use available digital resources, and maintain clear communication with both day-shift colleagues and external partners. Proactive problem-solving, attention to detail, and familiarity with automated loan processing systems can greatly enhance efficiency and accuracy during overnight hours.

What are the key skills and qualifications needed to thrive as an Overnight Loan Processor, and why are they important?

To thrive as an Overnight Loan Processor, you need a solid understanding of loan processing procedures, attention to detail, and familiarity with lending regulations, typically supported by experience in banking or finance. Proficiency with loan origination systems (LOS), document management software, and sometimes certifications like NMLS are commonly required. Strong organizational skills, time management, and effective written communication are crucial soft skills for excelling in this role. These skills ensure accurate, timely loan processing and compliance with regulatory standards, even during non-standard work hours.

What jobs make $1,000,000 a year?

Overnight loan processors typically do not earn $1,000,000 annually; such high earnings are usually associated with top executives, successful entrepreneurs, or highly specialized professionals in finance, investment banking, or technology. Most jobs with seven-figure incomes require extensive experience, advanced skills, and often ownership stakes or performance-based bonuses.

What is the difference between Overnight Loan Processor vs Loan Underwriter?

AspectOvernight Loan ProcessorLoan Underwriter
CredentialsTypically requires high school diploma or equivalent; some roles prefer mortgage or loan processing certificationsOften requires a bachelor’s degree in finance, economics, or related field; certifications like CU or CUA are common
Work EnvironmentBank or mortgage company, processing loans overnight, often in a fast-paced settingOffice setting, analyzing loan applications to assess risk and compliance
Employer & IndustryFinancial institutions, mortgage lenders, banksFinancial institutions, mortgage companies, banks

While both roles are integral to the loan process, the Overnight Loan Processor focuses on handling loan documentation and processing applications overnight, ensuring timely submission. The Loan Underwriter evaluates the risk of approving loans, making decisions based on financial data. Understanding these differences helps job seekers identify the right career path in the lending industry.

How much does a loan officer make on a $500,000 loan?

A loan officer typically earns a commission or fee based on the loan amount, often around 1% to 2%, which would be $5,000 to $10,000 for a $500,000 loan. Compensation can also include a base salary plus bonuses, depending on the employer and location. The specific earnings depend on the lender's policies and the loan's terms.

What are Overnight Loan Processors?

Overnight Loan Processors are professionals who review, verify, and process loan applications during overnight shifts, typically for banks, credit unions, or mortgage companies. Their primary role is to ensure that loan files are complete, accurate, and meet all regulatory and lender requirements before moving forward in the approval process. Working overnight allows for faster turnaround times, helping lenders maintain efficient service and meet tight deadlines. They often collaborate with underwriters, loan officers, and other staff to resolve any outstanding issues in loan documentation.
More about Overnight Loan Processor jobs
What cities are hiring for Overnight Loan Processor jobs? Cities with the most Overnight Loan Processor job openings:
What are the most commonly searched types of Loan Processor jobs? The most popular types of Loan Processor jobs are:
What states have the most Overnight Loan Processor jobs? States with the most job openings for Overnight Loan Processor jobs include:
What job categories do people searching Overnight Loan Processor jobs look for? The top searched job categories for Overnight Loan Processor jobs are:
Overnight Loan Processor jobs near you
Infographic showing various Overnight Loan Processor job openings in the United States as of July 2026, with employment types broken down into 1% As Needed, 87% Full Time, 8% Part Time, and 4% Contract. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $44,308 per year, or $21.3 per hour.
Mortgage Loan Processor

Mortgage Loan Processor

Truist

Richmond, VA

$45K - $80K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 4 days ago

Truist rating

8.0

Company rating: 8.0 out of 10

Based on 116 frontline employees who took The Breakroom Quiz

58th of 149 rated banks

Job description

The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status.

Need Help?

If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to Accessibility (accommodation requests only; other inquiries won't receive a response).

Regular or Temporary:

Regular

Language Fluency: English (Required)

Work Shift:

1st shift (United States of America)Please review the following job description:Responsible for processing residential mortgage loans to ensure compliance with bank, investor and secondary market standards. Meets performance metrics and goals established by the bank.
ESSENTIAL DUTIES AND RESPONSIBILITIES
Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.
1. Successfully use critical thinking and analytical skills to process loans.
2. Develop and maintain a strong understanding of Mortgage Lending products, policies, processes, and their required documentation.
3. Obtain required credit and compliance documentation per program requirements from internal clients, external clients, vendors, and third-party sources.
4. Perform detailed review of all documentation to ensure that loans meet portfolio and investor guidelines.
5. Provide consistent communication on loan status to clients to ensure a smooth process to close on time.
6. Ensure that loan quality standards are met when submitting loans to underwriting.
7. Conduct proactive and effective pipeline management to ensure that metrics are met.
8. Adhere to all compliance regulations and controls.
9. Develop and maintain positive working relationship with co-workers, internal and external clients, business partners and vendors.
10. Cultivate relationships with peers as a peer mentor.
QUALIFICATIONS
Required Qualifications:
The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
1. Minimum five years of mortgage loan processing experience or the equivalent.
2. Excellent Communication skills, both written and verbal, in relating to internal and external clients.
3. Demonstrates proficiency in basic computer applications such as mortgage automated processing systems and Microsoft Office software products.
4. Ability to travel, occasionally overnight.
Preferred Qualifications:
1. Bachelor's degree, or equivalent education and related training.
2. FHA/VA/Bond experience.
3. Basic knowledge of bank services and products.
The annual base salary for this position is $45,760 to $80,000.

OTHER JOB REQUIREMENTS / WORKING CONDITIONS
Sitting/Standing/Walking/Bending/Lifting
? Sitting Constantly (More than 50% of the time)
? Visual / Audio / Speaking
Able to access and interpret client information received from the computer and able to hear and speak with individuals in person and on the phone.
? Manual Dexterity / Keyboarding
Able to work standard office equipment, including PC keyboard and mouse, copy/fax machines, and printers.
? Availability
Able to work all hours scheduled, including overtime as directed by manager/supervisor and required by business need.
? Travel Minimal and up to 10%

General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position.Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist's generous benefit plans, please visit our Benefits site. Depending on the position and division, this job may also be eligible for Truist's defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.

Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace.

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About Truist

Sourced by ZipRecruiter

Truist is combining distinctive personal service with investments in innovation to create transformational client experiences. We believe the unique blend of human touch and innovative technology will set us apart, instill confidence, and build deeper levels of trust with our clients

Industry

Finance and insurance

Company size

10,000+ Employees

Headquarters location

Charlotte, NC, US

Year founded

2019

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