3 Keys Lending

Are you an experienced, detail-oriented mortgage loan processor who can successfully aid applicants in navigating the mortgage lending process? If so, we are looking for you! We are currently seeking a skilled and high-producing mortgage processor to work with the mortgage loan officers on our team. If you’re interested in a dynamic position on a well-established and successful lending team, look no further; apply now!Compensation:

$50,000 - $70,000 yearly DOE plus potential per-file bonus

Responsibilities:

• Document the loan process from origination to approval through our system
• Work with the borrower to gather financial information such as credit reports, verify the accuracy to determine creditworthiness, and complete the mortgage loan application
• Assure that loan files meet banking and regulatory guidelines and policies
• Liaise between the mortgage lending underwriting department, mortgage loan originators, real estate agents, and applicants to facilitate loan approval
• Determine the best loan option for the borrower through interviewing and discussion

Pre-Underwrite

• Verify that the initial loan file is complete using the pre-underwrite checklist
• Request any additional documentation on cash, credit, and capacity (income)
• for a complete loan submission
• Initiate ALL third-party items
• Submit high-quality loans for preliminary underwriting without over-analyzing

Post-Underwrite:

• Analyze the Conditional Loan Approval (CLA) to ensure all conditions are clear
• Confirm outstanding CLA items have NOT already been received before reaching
• out to external parties (avoid duplicate requests to borrowers)
• Request conditions in layman’s terms that are easy for borrowers to understand
• Thoughtfully review and submit all conditions to underwriting
• Send all Clear to Close (CTC) requests via email to the loan team (including
• Opener)
• Review ICD and CDs to ensure accuracy vs. the original Loan Estimate (LE)

Post-Fund:

• Monitor pending closed loans for funding authorization
• Clear any post-funding conditions as required
• Support LO, LP1, LP2, and borrowers with any post-funding questions

Additional Responsibilities

• Ask Clients, Agents, and other parties for referrals during the loan process
• Attend Weekly Team Meetings (WTM) to review the entire loan pipeline
• Log all crucial communication in the LOS Conversation Log
• High-quality borrower third-party communication is required, differentiating this role from a traditional Loan Processor

Qualifications:

• Strong analytical and time management skills and superior attention to detail
• Experience in mortgage lending and knowledge of loan types, such as FHA, FHLB, FNMA, or VA loans required
• At least 2 years of loan processing experience required
• Accounting, finance, or business Associate’s degree preferred - High school diploma or GED required
• Must have excellent written and verbal communication skills

• Conventional, FHA, VA, USDA loan product knowledge and processing experience required
• Experience working with mortgage brokers
• Be a Solution Seeker
• Fluent in English and Spanish

About Company

3 Keys Lending is a new and fast-growing mortgage company based in Utah.

We are committed to delivering the best rates, products, and experience to our customers.

We love clients and love helping them make the best-informed decisions for such an important aspect of their lives.