Remote Mortgage File Processor

Role Summary

Join a forward-thinking mortgage team as a Remote Mortgage File Processor. In this role, you'll take ownership of key documentation workflows that support loan origination and closing functions. This fully remote opportunity is tailored for professionals with a keen eye for document management, compliance, and timely processing. Suppose you're detail-driven and eager to contribute to a fast-paced remote environment. In that case, this position offers the structure and flexibility to help you thrive while impacting the overall success of the loan pipeline.

Primary Responsibilities

Documentation and File Management

• Collect, organize, and validate mortgage loan documentation, including credit reports, income verification, title reports, and disclosures.
• Perform detailed quality checks to confirm accuracy, completion, and compliance with federal and investor guidelines.
• Maintain an organized and accessible system of borrower files by industry data retention standards.
• Monitor data accuracy in submission files and ensure naming conventions are consistently applied across systems.

File Tracking and Submission

• Track status of each file across the mortgage processing lifecycle.
• Notify team members proactively about missing or time-sensitive documents to avoid delays.
• Submit comprehensive and compliant files to underwriting or closing for further review and clearance.
• Manage digital submissions through the LOS while adhering to internal protocols and timelines.

Team Communication and Coordination

• Act as a central point of contact between loan originators, processors, underwriters, and closers.
• Communicate professionally across teams using internal chat systems, emails, and shared task boards.
• Resolve conflicting or incomplete data by coordinating with internal departments and updating documentation accordingly.
• Provide real-time status updates to reduce ambiguity and improve workflow predictability.

Deadline Management

• Keep pace with the processing pipeline by prioritizing daily and weekly tasks based on file urgency.
• Flag potential delays early and initiate follow-up procedures to maintain timelines.
• Adjust processing queue dynamically to support daily team goals and urgent file escalations.
• Handle 20–30 files concurrently without compromising compliance or data accuracy.

Work Environment and Culture

Remote Work Infrastructure

• Work from a professionally structured virtual office using VPN-secured and cloud-hosted software environments.
• Use dual-monitor setups and encrypted platforms to manage high-volume file tasks efficiently.
• Join a remote-first organization that values autonomy, output quality, and proactive communication.

Collaboration and Workflow

• Participate in virtual stand-ups, weekly meetings, and cross-functional updates.
• Use collaborative tools to coordinate checklists, track document status, and report file conditions.
• Align with a result-driven team culture emphasizing communication, initiative, and reliability.
• Engage in monthly performance reviews and receive feedback focused on process optimization and skill development.

Technology and Tools

Platforms and Software

• Encompass, Calyx Point, or Blend for LOS operations
• Microsoft 365 Suite for communications and spreadsheet-based tracking
• Google Workspace for shared files and collaborative updates
• DocuSign and Adobe Sign for collecting borrower signatures
• CRM software, such as Velocify or Jungo, to maintain loan status transparency
• Secure file-sharing systems for transferring sensitive borrower data

Qualifications and Skills

Experience Requirements

• Minimum 2 years in mortgage file processing, pre-processing, or related documentation roles
• Deep familiarity with residential mortgage products, including FHA, VA, USDA, and conventional loans
• Prior experience in remote work environments, ideally within the mortgage or financial services sector

Technical and Professional Skills

• Precision in document review and adherence to compliance benchmarks
• Familiarity with federal guidelines such as RESPA, TRID, and TILA
• Strong file management techniques with knowledge of digital audit trails
• Ability to assess incomplete loan packages and communicate necessary corrections
• Exceptional time management and attention to detail under high-pressure deadlines
• Independent problem-solving mindset with resourcefulness in handling non-standard file issues

Compensation and Benefits

Salary and Structure

• Annual salary: $50,356 with eligibility for yearly performance reviews and salary progression
• Remote work flexibility with no geographic limitations for qualified U.S.-based candidates

Additional Perks

• Productivity-based bonuses tied to accuracy and file turnaround metrics
• Remote training and onboarding resources are provided from day one
• Professional development stipend for certifications or industry courses
• Access to licensed compliance officers for continuous learning and support
• Paid time off, wellness resources, and flexible scheduling options

Professional Development Opportunities

Career Progression

• Eligible for promotion into senior processor roles, mortgage underwriting, or compliance auditing
• Participate in internal mentorship programs with underwriting and quality control teams.
• Receive access to certification prep resources (e.g., NMLS, FHA Direct Endorsement training)

Value to the Organization

• Help safeguard the integrity of each mortgage file to ensure timely closings.
• Minimize underwriting reworks by catching data gaps early in the processing phase.
• Contribute directly to customer satisfaction through improved document flow and response time.
• Represent the team’s reliability in client and partner relationships through file consistency.

Application Instructions

How to Get Started

If you're ready to contribute to a high-performing remote mortgage operation, this role offers independence, responsibility, and professional growth. We seek motivated candidates who take pride in accuracy, enjoy structured routines, and can thrive in remote collaboration.

Final Call to Action

Submit your application today and help shape a smoother mortgage experience for every borrower. Your attention to detail and processing expertise can make a lasting impact.