We're looking for an experienced Loan Processor (Loan Partner 3) who takes pride in delivering an exceptional client experience while keeping loans moving efficiently from lock through funding.

If you enjoy taking ownership of your pipeline, communicating proactively, solving problems, and working alongside a supportive, high-performing team, we'd love to meet you.

Our team is collaborative, supportive, and driven. We work hard, communicate openly, and genuinely enjoy helping each other succeed. We believe everyone has an important role, and when each person does their part, the entire team benefits. We hold ourselves to high standards, value accountability, and aren't afraid to jump in when a teammate needs help. We celebrate wins together, learn from challenges, and are always looking for ways to improve.

If you enjoy working with people who care about doing great work, value relationships, and believe success is a team effort, you'll fit right in here.

The LP3 is responsible for managing loans from lock through funding, ensuring timely, accurate, and high-quality underwriting submissions and closings. This role works closely with the Loan Officer, Loan Partners, underwriters, borrowers, and third-party partners to proactively manage files, minimize underwriting conditions, and help ensure loans close on time.

The ideal candidate has at least 5 years of mortgage processing experience, strong knowledge of mortgage guidelines, excellent attention to detail, outstanding communication skills, and the ability to manage a high-volume pipeline with accuracy and accountability.

We're looking for someone who is coachable, takes ownership of their role, embraces new ideas and processes, enjoys working as part of a team, and takes pride in finding solutions, not just identifying problems.

Essential Duties of This Position

Pre-Underwrite

• Review all incoming loans within one business day of receipt.
• Review approximately five loans daily (or as directed by the Loan Officer).
• Verify loan file completeness using the pre-underwrite checklist.
• Request and analyze documentation related to cash, credit, income, and borrower capacity.
• Work with the Loan Partners and Loan Officer to obtain any missing documentation needed for underwriting.
• Initiate all required third-party services.
• Submit complete, accurate, high-quality loan files to underwriting within three business days.
• Average approximately three underwriting submissions per day.
• Strive for 95% or more of initial Conditional Loan Approvals (CLAs) to have 10 or fewer conditions.

Post-Underwrite

• Review Conditional Loan Approvals (CLAs) for clarity and accuracy.
• Confirm outstanding conditions have not already been received before requesting additional documentation.
• Translate underwriting conditions into borrower-friendly language.
• Review, package, and submit conditions accurately and promptly.
• Maintain a two-touch maximum to Clear-to-Close.
• Share feedback and best practices with the team to strengthen future loan submissions.
• Send Clear-to-Close requests to the full loan team.
• Review Initial Closing Disclosures (ICDs) and Closing Disclosures (CDs) for accuracy against the Loan Estimate.
• Ensure 95% or more of loans close on time.

Post-Fund

• Monitor closed loans for funding authorization.
• Respond to post-funding issues the same business day.
• Clear post-funding conditions as required.
• Support borrowers and team members with post-closing questions.

Additional Responsibilities

• Collaborate with the team to improve LP2 submission checklists and workflows.
• Attend weekly team and pipeline meetings.
• Log all critical communication in the Loan Origination System (LOS).
• Build strong working relationships with underwriting, closing, funding, post-closing, and quality control teams.
• Deliver proactive, high-quality communication that exceeds traditional processing expectations.
• Help create an exceptional borrower experience through clear communication, attention to detail, and consistent follow-through.

• Minimum of 5 years of mortgage processing experience.
• Strong knowledge of conventional, FHA, VA, USDA, and investor guidelines.
• Experience with DU/DO and Loan Prospector.
• Experience using major Loan Origination Systems such as Encompass.
• Proficient in Microsoft Office.
• Excellent verbal and written communication skills.
• Strong organizational and time-management skills.
• Ability to manage multiple deadlines in a fast-paced environment.
• Detail-oriented with a high level of accountability.
• Strong critical-thinking and problem-solving skills.
• Coachable and open to learning new systems and processes.
• Positive attitude with a team-oriented mindset and the ability to collaborate across departments
• Completion of all required regulatory and compliance training.

At Northpointe Bank, we believe great mortgages start with great people. Our mission is to help families achieve homeownership while creating meaningful, rewarding careers for our team.

We're a relationship-driven organization built on integrity, accountability, collaboration, and continuous improvement. Everyone has a role, supports one another, and is committed to delivering an exceptional experience for our borrowers and referral partners.

Our sales and operations teams work together so each person can focus on their strengths while creating a smooth process from application to closing. We invest in coaching, professional development, and systems that help our people grow.

If you're looking for a collaborative team where your contributions matter, growth is encouraged, and success is measured by the relationships you build and the trust you earn, you'll feel at home at Northpointe Bank.