MUST HAVE MORTGAGE BROKER EXPERIENCE

MUST BE FLUENT IN ENGLISH AND SPANISH

Are you an experienced, detail-oriented mortgage loan processor (LP3) 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 today!

The Loan Partner Three (LP3) is a Loan Processor responsible for timely and

high-quality loan processing from RESPA to Funding (lock-to-loan).

The LP3 collaborates with the Loan Officer (LO), Loan Partner Two (LP2), loan underwriters, borrowers, and other key stakeholders to review and submit high-quality loan applications to underwriting.

This position requires extensive knowledge of investor guidelines, strong attention to detail, expertise in analyzing cash, credit, capacity (income), and collateral, and

proactive communication to minimize underwriting conditions and enhance the

borrower experience.

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

• Obtain property documentation to process mortgage loan files, including appraisals, inspections, title searches, site surveys, contracts, and property tax records
• Input detailed loan process documentation in our system - from origination to close
• Act as a liaison between applicants, mortgage brokers and loan officers, real estate agents, and mortgage lending underwriters to help further loan approval
• Put together loan packages and submit to lender underwriting for approval or denial

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

• Strong analytical and time management skills and superior attention to detail
• Minimum of 2+ years loan processing experience required
• FHA, FHLB, FNMA, or VA loan product knowledge and mortgage lending experience 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

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.