Overview
We are seeking a detail-oriented and motivated Non-QM Loan Processor to join our dynamic team in the financial services industry. The ideal candidate will play a critical role in the loan origination process, with a focus on Non-Qualified Mortgage (Non-QM) and bridge loan products, as well as brokered loans submitted through various lender channels. This position requires strong analytical skills, exceptional attention to detail, and a thorough understanding of complex loan processing procedures, particularly in a broker environment.

Duties

• Review and verify Non-QM, bridge, and brokered loan applications and supporting documentation for accuracy, completeness, and program eligibility.
• Conduct credit, income, and asset analysis, including alternative documentation methods such as bank statements, P&Ls, and DSCR evaluations.
• Ensure compliance with TILA (Truth in Lending Act), Fair Housing, and other regulatory requirements throughout the loan lifecycle.
• Coordinate and communicate with loan officers, underwriters, and mortgage brokers, as well as third-party vendors, to facilitate smooth and timely closings.
• Maintain up-to-date knowledge of Non-QM loan programs, lender overlays, and investor guidelines across multiple lender platforms.
• Process loans through various wholesale lender portals, accurately submitting files, uploading documentation, managing conditions, and tracking milestones.
• Prepare disclosures, contracts, and necessary documentation required for loan approval and closing.
• Communicate clearly and professionally with borrowers, lenders, and stakeholders to address outstanding issues or documentation needs.
• Utilize 10-key typing skills and industry software to input and update loan data efficiently and accurately.

Requirements

• Proven experience processing Non-QM, bridge, and brokered loans is strongly preferred.
• Demonstrated proficiency with wholesale broker portals (e.g.,Lendmarq, Constructive Cap. Kiavi.).
• Solid understanding of mortgage servicing, non-agency underwriting guidelines, and alternative income documentation standards.
• Working knowledge of compliance regulations including TILA and Fair Housing.
• Strong organizational skills with the ability to manage multiple files and deadlines independently.
• Excellent written and verbal communication skills with a professional and client-focused approach.
• Ability to work both independently and collaboratively within a team environment.

Compensation
This is a fully remote, 1099 contract position with per-file compensation based on closed loans. We are currently experiencing a high volume of active files, creating a strong earning potential for motivated and efficient processors. This role offers the opportunity to maximize your income while working independently in a fast-paced, results-driven environment.

Join Our Team
If you thrive in a fast-paced, high-volume environment and are passionate about delivering tailored lending solutions through brokered and Non-QM channels, we welcome you to apply for this rewarding opportunity.

Job Type: Full-time

Pay: $55,000.00 - $75,000.00 per year

Work Location: Hybrid remote in Baltimore, MD 21202