Loan Processor, Sr, Retail

Carrington maintains the necessary infrastructure to ensure stability and maximize value during any market cycle . We are a fully integrated mortgage company supporting our customers by providing a broad range of real estate services encompassing nearly all aspects of single family residential real estate transactions in the United States .

Our Mortgage Lending Division is becoming an industry leader by providing competitive mortgage products within our Retail and Wholesale lines of business. We deliver a superior customer experience by meeting individual needs, focusing on financial education, ensuring that our loans close on time and making the entire process as easy as possible. We're always building our mortgage business with our customers in mind. Join us!

What We Offer:

• Educational Reimbursement.
• Customized training programs to help you advance your career.
• Employee referral bonuses so you'll get the opportunity to work with friends (and get some extra cash in your pocket!).
• Access to several fitness, restaurant, retail (and more!) discounts through our employee portal.
• Comprehensive healthcare plans for you and your family.

The Sr. Loan Processor Retail Full Doc will be responsible for providing quality loan processing, reviewing files for adherence to underwriting standards and ensuring completeness of submission. Perform all duties in accordance with the company's policies and procedures, all US state and federal laws and regulations, wherein the company operates.

What you'll do:

• Ensures the quality and compliance of work with Company policies, procedures, and investor guidelines.
• Ensures compliance deadlines are met with regards to initial disclosures, approval letters and denials notices
• Process 4506T, lock confirmations and request Change of Circumstance (COC's) as needed.
• Communicates with Regional Vice President, Loan Officers, Operations Manager, Disclosure Department, Underwriting Department, Docs/Funding Department, and Branch Manager as required to resolve outstanding issues
• Informs loan officer, agent, borrower about discrepancies in title, appraisals, credit , employment, income and other file related items
• Performs other related duties as assigned
• Constant communication with all external parties to the loan including but not limited to Borrower, Realtor, Closing Agent, and Appraisal Management Company.
• Proactively monitors pipeline to ensure timely funding of loans
• Performs all duties of a Loan Processor which include but are not limited to:
• Obtains necessary stipulations to clear stipulations prior to docs and funding as required by Underwriting
• Obtains necessary information (i.e., loan applications, credit documents, appraisals, etc.) to process and complete mortgage loan files.
• Monitors incoming documents verifying data collected by Loan Officers or agents
• Pulls or verifies credit reports and flood certs as needed
• Performs all duties of a Loan Processor which include but are not limited to:
• Maintains open files, orders appraisals, sends verifications, acquires documentation related to Borrower and property
• Submits completed file to Underwriting Department for approval
• Organizes and inputs loan information received into the company's Loan Origination System (LOS).
• Assists Post Closing Department as needed with making the loan whole for purchase into secondary market.
• Reviews and evaluates credit information on mortgage loan documents to determine acceptability for loan programs
• Receives and review loans submissions
• Assists departmental support staff when necessary
• Communicates with escrow officer/settlement agent, title officer as required to resolved outstanding issues.
• Ensures that all loans are processed to meet Company and Investor guidelines

You'll love this job if you're:

• Systematic and Diligent. You have a keen focus on the details and like to follow a plan.
• Quality Focused and Industrious. You're passionate about maintaining high standards and delivering results.
• Flexible and Hardworking. You take pride in your work, and will do whatever it takes to get things done right.

What you'll need:

• Experience working in a paperless environment preferred.
• Requires a High School diploma or equivalent work experiences.
• Five plus years Loan Processing work experience preferred.

EEO/AAP Employer

Loan Processor Retail Full Doc Sr

11701-32 San Jose Boulevard, Jacksonville, FL, 32223, US