Mortgage Loan Processor

Role Summary

AnnieMac Home Mortgage is seeking a Mortgage Loan Processor to handle mortgage files from contract through closing. This fully remote role focuses on reviewing loan documentation, preparing files for underwriting, coordinating with borrowers and other stakeholders, tracking outstanding conditions, and making sure each file is complete and ready for closing.

Important requirement: Candidates must have CHFA (Connecticut Housing Finance Authority) experience.

Core Responsibilities

• Examine the initial loan file, upfront condition sheet, checklist items, Loan Certification screen, and opening tasks.
• Deliver complete files to underwriting within the required SLA timelines.
• When a file is not ready for underwriting, inform the Loan Officer about the missing items.
• Issue upfront condition emails and keep processing notes clear and current.
• Handle conditional approvals and suspense items throughout the process.
• Send condition requests to borrowers and realtors when needed.
• Call borrowers before sending conditions to explain what is required and confirm the expected turnaround date.
• Follow up by voicemail and text if borrowers do not answer.
• Track incoming conditions and complete the related follow-up work.
• Monitor appraisal progress, CD request status, and any remaining third-party items, which may have been ordered by the LOA, opening team, or processor.
• Resubmit outstanding conditions to underwriting by the midpoint deadline or at least 72 hours before commitment.
• Perform the final processing review, complete the Closing Request screen, submit the CTC request, and carry out last file checks.

Performance Expectations

• Submit initial files within 24 hours for Platinum Preapproval vetted files and within 48 hours for non-vetted files.
• Pull the upfront condition sheet within 24 hours.
• Complete underwriting review, condition review, and CTC request tasks within 24 hours when applicable.
• Maintain frequent, proactive communication with borrowers, sales, underwriting, and closing teams.
• Keep each file accurate, orderly, and progressing toward clear to close.

Requirements

• At least 3 years of prior mortgage processing or mortgage operations experience.
• Hands-on experience with New England bond loans and down payment assistance loans.
• A high school diploma or equivalent is required.
• Strong skills in organization, communication, and follow-up.
• Ability to work independently in a remote setting.
• Comfort managing deadlines, borrower communication, and more than 25 files at the same time.
• CHFA (Connecticut Housing Finance Authority) experience is mandatory.

Work Arrangement

This position is fully remote and based in the New York City Metropolitan Area.