Ultimate Staffing ยท 7 hours ago
Home Loan Specialist
Ultimate Staffing is seeking a Home Loan Specialist to support multiple channels within the organization. The role involves ensuring smooth and accurate loan processing by reviewing files, verifying details, and collaborating with internal teams to meet business and customer service goals.
Responsibilities
Review incoming loan files for completeness, accuracy, and compliance with company policies, investor guidelines, and regulations
Confirm loan structure details, including program eligibility, product selection, occupancy, property type, and transaction purpose
Analyze borrower documents (income, assets, credit reports, liabilities) for accuracy and consistency
Identify missing or incorrect information and request necessary updates or documentation
Set up loan files in the loan origination system (LOS) before underwriting
Ensure disclosures, fees, and credits match the loan structure and compliance standards
Review appraisals, AVMs, and property documents for accuracy and guideline compliance
Work closely with Loan Officers, Brokers, Account Executives, and internal teams to resolve issues and avoid delays
Document clear, concise notes in the loan file to support underwriting
Meet service-level agreements (SLAs), productivity goals, and quality standards
Qualification
Required
Knowledge of mortgage loan products (Conventional, FHA, VA, USDA, Non-QM)
Familiarity with underwriting guidelines and pre-underwriting review standards
Strong attention to detail and analytical skills
Ability to spot risks, discrepancies, and guideline conflicts early
Excellent written and verbal communication skills
Strong time management skills; able to work in a fast-paced environment
Proficiency with loan origination systems (e.g., Encompass) and mortgage documentation
High school diploma or equivalent required
1-3 years of experience in mortgage processing, underwriting support, loan setup, or similar roles
Preferred
College coursework in finance, business, or related field preferred
Prior experience reviewing income, assets, and credit documentation preferred