Loan Processor

 

About Zippy:

• Zippy provides fast, simple home loans & insurance to manufactured home buyers located in communities throughout the United States
• We’re digitally native and located at zippymh.com!

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• We’ve built our culture on a fanatical focus on improving consumers financial outcomes through great technology
• We are a well-funded startup backed by institutional investors with competitive pay, incentive stock options, and excellent benefits
• We are a location flexible, remote-first organization with HQ in Dallas, TX
• Our team members live throughout the country in Austin, Phoenix, Knoxville, Houston, Omaha, San Antonio and more!

Job Description:

The Zippy Loan Processor plays a crucial role in facilitating the smooth and efficient processing of manufactured home loan applications. Your primary responsibilities will include reviewing and verifying borrower documents, coordinating with borrowers over the phone, and collaborating with underwriters and Loan Originators to ensure timely completion of loan files. By leveraging your exceptional organizational skills, attention to detail, and strong communication abilities, you will contribute to the overall success of our loan origination operations and helping our borrowers become home owners!

Document Processing:

• Review loan applications and associated documents for accuracy, completeness, and adherence to company guidelines
• Verify borrower information, including income, employment, credit history, and assets.
• Organize and maintain loan files, ensuring all necessary documentation is included

Borrower Interaction:

• Communicate effectively with borrowers via phone to gather required documents, clarify information, and address any concerns or questions
• Provide guidance to borrowers regarding the loan application process, documentation requirements, and timelines
• Maintain a professional and courteous demeanor while building rapport and establishing a trusting relationship with borrowers

Collaboration with Underwriting:

• Collaborate closely with underwriters to resolve any discrepancies or issues identified during the loan processing stage
• Prepare loan files for underwriting review, ensuring all necessary documentation is accurately compiled and accessible
• Provide additional information or documentation as requested by the underwriting team, promptly responding to any queries or concerns

Compliance and Quality Control:

• Adhere to all regulatory guidelines, policies, and procedures throughout the loan processing and underwriting process
• Conduct quality control checks on loan files to ensure accuracy, completeness, and compliance with company standards.

Administrative Support:

• Perform administrative tasks related to loan processing, including data entry, file organization, and recordkeeping
• Utilize mortgage software and other relevant tools to track and update loan status accurately
• Maintain confidentiality and handle sensitive borrower information with care

Desired Mentality:

• Passionate about creating better consumer outcomes and solving the affordable housing crisis
• Team player that is self-motivated, proactive, task oriented, and solutions-focused (Let’s help our borrowers!)
• Shows the highest level of integrity, intent, ability and results in all endeavors to build trust
• Desire to work and win in an innovative, fast-paced & committed environment
• Communicative and open to feedback, and willing to give feedback to others
• Collaborative and innovative with a strong desire for the entire team to win together

Qualifications:

• Five (5+) years’ experience in loan processing in the housing market, manufactured housing experience preferred
• Proficiency in Microsoft Office and other software tools
• Excellent verbal and written communication skills, with the ability to explain complex concepts to borrowers clearly
• Strong organizational skills, attention to detail, and the ability to manage multiple tasks simultaneously
• Proficiency in using mortgage software, loan origination systems, and other relevant computer applications
• Comfortable working with several technology tools in a digital 100% remote environment
• Familiarity with mortgage industry regulations, guidelines, and compliance requirements
• Ability to work independently as well as collaboratively in a fast-paced, deadline-driven environment
• Customer-oriented mindset with a focus on delivering exceptional service to borrowers

Join Our Team!

• By building the first digitally native loan origination platform for manufactured home loans, you will be responsible for:
• Delivering the value of tech transparency to an inefficient but growing market
• Improving the lives of over 22 million Americans who live in manufactured homes today
• Expanding access to new homeownership at a time of intense housing insecurity

Job Type: Full-time

Schedule:

• Monday to Friday

Work Location: Remote

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