Jr. Mortgage Loan Processor

GEM Mortgage, a division of Golden Empire Mortgage (GEM) is proud to hold ourselves as one of the most respected lenders in the mortgage industry for over 30 years. The GEM business philosophy holds true that all consumers deserve access to credit, where “our customers are our business” is the cornerstone for excellence.

Golden Empire Mortgage isn’t just about mortgages and home lending – GEM is about people, and building lasting customer relationships.

At GEM we understand that the lending process can be intimidating, that’s why we ensure that all of our employees hold to the highest level of client satisfaction. We pride ourselves on integrity, knowledge and state of the art technology all in an effort to provide our customers with excellent customer service and the best rates possible.

Under general supervision of the Branch Manager, the Jr. Processor is responsible for assisting the Processor and production sales team in the coordination of all functions related to the processing and closing of loans.

Essential Job Functions

• Follows up for signed disclosures
• Tracks orders desk requests; 411, property profiles, VOE, flood, binder, prelim, etc.
• Orders appraisals
• Initial scrub of file/needs list. Sends list to client via email, copies LO and requests in Blend, our application software.
• List will include any applicable explanations i.e., joint asset, credit, HOA dues, cash out, etc.
• Preliminary income calculation, rerun AUS if any major discrepancies
• Elevate to Sr. Processor if borrower is Self-employed
• Reviews incoming supporting docs for completeness i.e., pay variation, large deposits, cut off statements, missing pages, etc.
• Updates Blend as documents are received and requests additional docs if needed
• Advises processor when ready to submit (will submit when income/asset supporting docs are complete)
• Other duties as assigned

FLSA Status Non-Exempt

Minimum Requirements

• 1-2 Years of LOA or Processing experience preferred.
• High School or GED required

Knowledge, Skills And Abilities

• Ability to produce detailed and accurate documents
• Ability to communicate effectively
• Ability to work independently without direct supervision
• Ability to perform work timely and accurately in a fast paced office environment
• Organizational ability and problem solving critical
• Ability to use various computer software