Reverse Loan Processor III

Guild Mortgage

. Process and pre-underwrite conventional, FHA, VA, and Bond mortgage loans .

Posted 9/29/2026full-timeRemote • United StatesMid-LevelSenior💰 $23 - $35 per hourWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expert knowledge of mortgage lending processes, including FHA, VA, and Bond loans, while ensuring compliance with federal, state, and local regulations. Proven ability to analyze financial documentation and maintain strong relationships with stakeholders in a deadline-driven environment.

Highest-signal resume keywords

Expert Knowledge Of Mortgage Lending ProcessesExperience Processing VA And Bond Mortgage LoansStrong Detail Orientation And Organizational SkillsExcellent Customer Service And Communication SkillsAbility To Prioritize Multiple Tasks

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Loan ProcessingFHA Loan ProcessingVA Loan ProcessingBond Loan ProcessingDocumentation ReviewLoan-to-Value Ratio AnalysisDebt-to-Income Ratio AnalysisCredit Report AnalysisNew Construction DocumentationConsumer Mortgage Application Documentation

Soft Skills

Interpersonal SkillsCritical ThinkingSound JudgmentRelationship BuildingDetail Orientation

Tools & Technologies

Microsoft Office SuiteData-Entry SystemsPDF/Document Retention ProgramsCollaborative Cloud-Based ProgramsThird-Party Software Applications

Industry Keywords

ComplianceFederal RegulationsState RegulationsLocal RegulationsMortgage Lending Guidelines

Tech Stack

Tools & technologies

Cloud

About the role

Key responsibilities & impact

Process and pre-underwrite conventional, FHA, VA, and Bond mortgage loans
Ensure compliance with Company, secondary-market investor, government-agency, federal, state, and local requirements
Achieve production and quality metrics
Act as liaison between loan officers, borrowers, underwriters, and funding
Prepare and review loan files for completeness and compliant submission
Monitor loan-processing cycle time and resolve issues that could delay closing
Serve as subject-matter expert/lead when the Supervisor/Lead is unavailable
Analyze loan-to-value ratios, debt-to-income ratios, credit reports, applications, income, assets, down-payment sources, and supporting documentation
Order and review third-party documentation, including credit checks, title reports, appraisals, tax returns, and employment/asset verifications
Check ratios and verify AUS findings and program applicability
Review documentation integrity and submit loan files to underwriting
Identify qualifying and program issues and restructure loans as necessary
Provide program options and recommendations within guidelines
Update and verify system data
Obtain and verify clearance of underwriting conditions and prepare files for Closing
Order generation of loan documents
Coach and guide less experienced Processors
Compose professional correspondence and emails using templates
Provide status updates to Loan Officers and borrowers

Requirements

What you’ll need

High school diploma or equivalent required
Five or more years of recent work experience as a Loan Processor
At least two years of experience processing VA and Bond mortgage loans
Experience processing conventional and FHA loans preferred
Expert knowledge of mortgage lending internal processes and controls
Expert knowledge of federal, state, and regulatory requirements/guidelines for consumer mortgage lending
Expert knowledge of conventional, FHA, VA, and Bond mortgage loans and related program/investor guidelines
Expert knowledge of new construction documentation and condominium projects
Expert knowledge of documentation for consumer mortgage applications
Ability to build strong relationships with internal and external partners
Sound judgment and critical-thinking ability
Ability to prioritize multiple tasks in a deadline-driven environment
Excellent customer service, interpersonal, verbal, and written communication skills
Intermediate math skills
Strong detail orientation and organizational skills
Experience using internal data-entry systems, Microsoft Word, Excel, and PDF/Document Retention programs
Proficiency in Microsoft Office Suite, Word, Excel, Wiki, collaborative cloud-based programs, and third-party software applications
Commitment to company values
Ability to perform sedentary office work and frequent computer keyboard/mouse use
Ability to accurately interpret visual and audio information

Benefits

Comp & perks

Medical insurance
Dental insurance
Vision insurance
Life insurance
AD&D insurance
LTD insurance
401(k) with employer match
Incentive compensation eligibility
Pleasant work environment
Competitive compensation
Reasonable accommodation for eligible applicants/employees