Senior Residential Mortgage Loan Processor (Hybrid – NJ) Park Ridge, NJ | Hybrid FlexibilityBase Salary to $70k plus per file BonusBuilt for Mortgage Broker Processors Who Know the Difference. If you've worked in the broker channel, you already know—every lender is different, every file requires strategy, and clean submissions make or break your day. We're a boutique mortgage brokerage serving the NJ / NY / CT tri-state market, built on strong relationships with Realtors, attorneys, and repeat clients. This is a true broker environment where your expertise navigating multiple lenders, structuring deals, and solving complex scenarios is valued—not lost in a call-center pipelineWhy Broker Processors Choose This RoleHybrid schedule with flexibility to work from Middletown, NJ or Park Ridge, Real broker model – multiple wholesale lenders, no one-size-fits-allManageable pipeline focused on quality submissions, not file volumeWork alongside experienced LOs who understand how to structure deals up frontDirect access to decision-makers—no layers of red tapeTight-knit team that values communication and accountabilityWhat You'll DoManage a pipeline of residential loans across NJ, NY, and CTEvaluate and structure files for the right lender and program from day oneAnalyze complex borrower profiles (self-employed, layered income, multiple properties) Package and submit clean, broker-quality files to underwritingDrive condition clearing with urgency and precisionCoordinate with title companies and attorneys (NY/NJ experience strongly preferred) Ensure compliance with TRID and state-specific requirementsMaintain accurate pipeline tracking in Encompass (or similar LOS) Act as the central point of communication between LO, borrower, lender, and third partiesWhat You Bring 5+ years of residential processing experience in a mortgage broker environmentStrong familiarity with multiple wholesale lenders and their nuancesProven ability to match deals to the right investor and avoid unnecessary conditionsDeep knowledge of Conventional, FHA, VA, USDA, and Non-QM productsExperience with attorney-state closings (NJ &NY) Advanced income calculation skills (self-employed, commission, complex borrowers) Highly organized with a proactive, problem-solving mindsetCompensation & BenefitsCompetitive base salary (based on experience) Performance incentives tied to pipeline executionPTO + paid holidaysGrowth opportunities within a scaling brokerageWhy This Role is DifferentThis isn't a plug-and-play processing job. You'll be trusted to think like a broker, structure deals intelligently, and take ownership of your pipeline from submission to closing. If you're used to juggling multiple lenders, solving tough files, and take pride in getting deals to the finish line cleanly—this is the kind of team where you'll thrive.
