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We are seeking an experienced Mortgage Loan Processor. You will be responsible for analyzing borrower documentation, interpreting lending guidelines, and determining whether files meet regulatory and investor requirements before they go to underwriting. Knowledgeable on how to calculate income, evaluate credit, apply agency guidelines (Fannie Mae/Freddie Mac/FHA/VA), and spot issues before they become conditions. Key Responsibilities Loan File Analysis & Guideline Interpretation (Core Focus) Review borrower documentation: pay stubs, W-2s, tax returns, bank statements, credit reports, etc. Analyze income for salaried, self-employed, bonus/commission, overtime, and rental income scenarios Calculate DTI (Debt-to-Income) , LTV (Loan-to-Value) , and CLTV Determine if documentation meets agency (Fannie Mae/Freddie Mac), FHA, VA, and investor guidelines Identify missing or non-compliant documentation and request corrections before submission Evaluate credit reports for tradelines, derogatory events, and capacity issues Confirm down payment source and amount using bank statements. Discuss with borrower their comfortable monthly payment, not just the qualifying payment. Encompass & File Management Set up and manage loan files in Encompass from application intake through underwriting submission Order and track third-party services: title, appraisal, insurance (HOI), flood cert, VOE, VOD Ensure all documents are properly indexed and the loan file is audit-ready Use Excel or Google Sheets to track pipeline, outstanding conditions, and priorities Communication & Workflow Communicate directly with borrowers, real estate agents, title companies, and insurance agents as needed Work with the team to clear conditions efficiently Proactively flag guideline issues or income shortfalls Must-Have Requirements Encompass experience: Minimum 4-5 years hands-on, daily use. You know how to set up files, run AUS, manage docs. Guideline knowledge: You can independently interpret Fannie Mae, Freddie Mac, FHA, VA guidelines. Income analysis: You can calculate qualifying income for salaried, self-employed, bonus, overtime, rental, retirement. Credit & DTI analysis: You know how to read a credit report, calculate DTI, and identify red flags. Excel proficiency: Use spreadsheets to track pipeline, conditions, and priorities. US business hours: Available during core US hours (e.g., 9 AM – 5 PM Eastern or Pacific)