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Mortgage Loan Processor

Boulder, CO

About the position

Neat Capital is a Boulder-based fintech mortgage lender reinventing the traditional lending process. We are delivering a modern, fast, automated experience for the borrowers. Our loans are CTC in an average of 15 days or less.

The ideal candidate will help us ensure we are making the highest quality loans on the market. You will have an equity stake with upside potential.

We are looking for a seasoned Loan Processor who can drive amazing service for our clients. This professional will produce mortgage loans and help ensure we meet guidelines and standards. Additionally, this professional will assist in disclosing loans, reviewing appraisals, credit submissions, scenario questions, and occasionally help balance CDs and prepare closing documents.

This professional will be able to provide a complete and comprehensive review of the entire loan package, from credit through appraisal with required documentation to submit to underwriting.

In addition, you will be a key stakeholder to help meet proposed closing and turn time expectations, stay up to date with all program guidelines and offerings, and company policies.

Core Responsibilities

  • Maintain current knowledge and familiarity with current mortgage and compliance laws and regulations.
  • Read, analyze and interpret mortgage/financial documents. Maintain quality and production goals set forth by the team lead.
  • Work directly with the borrower, loan officer, underwriting, title, closing, and vendors to satisfy outstanding loan conditions in an expeditious manner. Clearly articulate needs list items and loan conditions to borrowers and Loan officers in a manner which they can understand.
  • Able to quickly calculate Income for varies types of borrowers including self-employed with complex tax returns. Deliver clean, complete and accurate files to both underwriting and closing. Maintain a high level of customer service and communicate with professionalism externally and internally with other departments and/ or business partners.
  • Read, understand, and apply underwriting guidelines for Jumbo, Agency and Government programs.
  • Issue initial disclosures to clients through LOS and IDS Docs.
  • Balancing CD with the closing agent and delivering closing documents.

Required Experience and Skills

  • A positive, optimistic attitude is a must. Bonus if you’re into optimizing your life, increasing your emotional intelligence, and have a growth mindset.
  • 3+ years of recent mortgage experience as a processor or underwriter.
  • Self-starter and problem solver. If you have a challenge, offer a solution in addition to identifying the problem.
  • Fantastically computer savvy. We’re a Boulder tech company transforming the mortgage industry. You’ll be using over a dozen different web tools. You must be adaptable.
  • Know your way around a loan file and can adapt to a new LOS and process.
  • Ability to synthesize feedback as learning and self-correct.
  • NMLS licensing, Lending QB and IDS Docs experience a plus.
You must be able to thrive in a fast moving and ever-changing environment.

Why You Might Want to Work Here

  • You’ll work with a driven, experienced and passionate team – one we hope will be the best in your career.
  • We do the right thing, always put the client above our own business interests, value transparency, and seek to have a positive impact on our community.
  • Real estate transactions can be a huge pain, and you can help bring comfort, confidence, and clarity to the process.
  • Many of us are outdoor enthusiasts with love for all the awesome things to do in our wonderful state. We have a powder policy and are climbers, hikers, bikers, runners and skiers.
  • We strive to create a diverse workspace, which includes three female co-founders. We aren’t bros. There’s a good mix of people here with a family-friendly culture.
  • We collaborate well across the entire organization, fully embrace a confidence without attitude/ego policy, and genuinely seek to learn from each other.
  • 1% of our company equity has been donated to charity, and we are looking to build a team of folks that can help us make an impact.

Other Benefits

  • Neat Capital celebrates the addition of new family to Neat Capital team members’ lives, and provides generous paid leave for new parents, including secondary caregivers.
  • If you have a cause you’d like to volunteer for, please let us know and we will are happy to accommodate.
  • We do not set pay rates based on past rates. This means we provide meaningful compensation (both equity and cash) based upon performance, responsibilities, and contributions.
  • Though this is an onsite office-based position, we provide flexible schedules and love to make our environment welcoming for parents and caretakers.
  • We offer a generous vacation and sick-time policies. We understand that you have responsibilities and a life outside of work, and we strive to be accommodating.
Neat Capital Inc. is an equal opportunity employer.

Ready to Apply?

Please send your contact information, cover letter and resume to:

careers@neatcapital.com