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Loan Processor
Loan ProcessorMultiply • San Jose, CA, US
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Loan Processor

Loan Processor

Multiply • San Jose, CA, US
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Multiply Mortgage Opportunity

Multiply Mortgage is a technology company and a mortgage company. We pair experienced, local mortgage advisors on our team with technology to deliver a better customer experience. Through our company partnerships channel, we partner directly with companies to offer mortgages as an employee benefit with exceptional rates, concierge service, and modern software.

Our team previously built consumer tech products at Uber, Square, DoorDash, and Google and we are bringing the customer experience we love from these products to mortgage origination. We're committed to building technology that enhances, rather than replaces, experienced mortgage loan originators. A mortgage is the largest financial transaction of most Americans' livesthey deserve an expert advisor to guide them through the process, and technology that makes the experience smoother.

Multiply Mortgage is backed by Kleiner Perkins, A

  • , and Box Group, as well as founders and executives from Ramp, Plaid, Figma, DoorDash, Notion, Instacart, Faire, Flexport, Niantic, Rippling, Iterable, Lattice, Newfront, and more.

Opportunity Overview

We know how important a white glove service is to our customers, ensuring a smooth and efficient loan process. You will be responsible for collecting, analyzing, and processing loan applications, ensuring compliance with regulatory guidelines, and coordinating with various stakeholders to facilitate timely loan closings.

How you will contribute :

  • Review and Organize Loan Applications : Check mortgage loan applications for completeness, accuracy, and compliance with lending guidelines. Gather and verify all required documentation for loan approval.
  • Credit and Financial Analysis : Run AUS and validate that the borrower meets the selected loan program guidelines. Suggest alternative program to Loan Officer if a change is needed.
  • Prepare and Submit Loan Files : Assemble and submit complete loan files to underwriters for approval. Ensure all documentation is able to satisfy loan conditions and meet guidelines.
  • Order Appraisals and Title Searches : Order title searches, and work with third parties to ensure the property appraisal is completed within the required timeframe.
  • Liaison Between Parties : Act as the primary point of contact between loan officers, real estate agents, title and borrowers, as well as any wholesale lenders.
  • Monitor and Track Deadlines : Manage the loan processing timeline, ensuring all contingencies and closing deadlines are met.
  • Handle Closing Documentation : Coordinate with title companies and attorneys to prepare Closing Disclosures and closing documents.
  • Compliance and Record Keeping : Maintain accurate records of all loan files and documentation, ensuring compliance with all relevant banking and finance regulations.
  • Customer Service and Support : Commit to ensuring a seamless and positive experience for all borrowers.

    • Why Join Multiply Mortgage?

  • Be part of transforming the mortgage experience.
  • Shape the future of our company.
  • Thrive in a culture rooted in ownership, honesty, positive intent, and humility.
  • Enjoy competitive rewards, including equity, comprehensive health, dental, vision, and life insurance, 401k retirement plan, flexible PTO policies, and 12 weeks of paid parental leave.

    • What We're Looking For

  • Located in the Pacific Time Zone.
  • 5+ years of proven experience as a mortgage loan processor in a retail environment.
  • 1+ year of broker processing experience.
  • 2+ year experience with non-QM and non-Agency / Jumbo loan programs.
  • Ability to calculate income for self-employed borrowers and pre-underwrite files.
  • Attention to Detail : Meticulously review and verify all loan documentation for accuracy and completeness.
  • Organizational and Time Management Skills : Efficiently manage multiple loan files simultaneously.
  • Communication Skills : Proactively communicate with borrowers, loan officers, underwriters, and third-party vendors.
  • Problem-Solving : Identify and resolve discrepancies or missing information quickly.
  • Analytical Skills : Evaluate credit reports, financial statements, and other documentation to assess borrower eligibility and risk.
  • Regulatory Knowledge : Understand and apply federal and state mortgage lending regulations.
  • Adaptability : Stay current with changes in mortgage lending practices, technology, and regulations.
  • Software Proficiency : Hands-on experience with loan origination systems and related technology tools.
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    Loan Processor • San Jose, CA, US

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