About Zippy:
- Zippy provides fast, simple home loans & insurance to manufactured home buyers located in communities throughout the United States
- We’re digitally native and located at zippymh.com!
- We’ve built our culture on a fanatical focus on improving consumers financial outcomes through great technology
- We are a well-funded startup backed by institutional investors with competitive pay, incentive stock options, and excellent benefits
- We are a location flexible, remote-first organization with HQ in Dallas, TX
- Our team members live throughout the country in Austin, Phoenix, Knoxville, Houston, Omaha, San Antonio and more!
Job Description:
The Zippy Loan Processor plays a crucial role in facilitating the smooth and efficient processing of manufactured home loan applications. Your primary responsibilities will include reviewing and verifying borrower documents, coordinating with borrowers and community operators utilizing digital avenues, and collaborating with underwriters and Loan Originators to ensure timely completion of loan files. By leveraging your exceptional organizational skills, attention to detail, and strong communication abilities, you will contribute to the overall success of our loan origination operations and helping our borrowers become home owners!
1. Document Processing:
- Review loan applications and associated documents for accuracy, completeness, and adherence to company guidelines
- Verify borrower information including income, employment, credit history, assets and other borrower conditions
- Verify seller information including home title, purchase agreements and other seller conditions
- Organize and maintain loan files, ensuring all necessary documentation is included
2. Digital Interaction:
- Communicate effectively with borrowers via digital avenues providing guidance to borrower regarding the loan application process, documentation, requirements, and timelines
- Communicate effectively with manufactured housing communities selling homes
- Communicate effectively with Zippy team members to quickly align and move files through the application pipeline
3. Collaboration with Underwriting:
- Collaborate closely with underwriters to resolve any discrepancies or issues identified during the loan processing stage
- Prepare loan files for underwriting review, ensuring all necessary documentation is accurately compiled and accessible
- Provide additional information or documentation as requested by the underwriting team, promptly responding to any queries or concerns
4. Compliance and Quality Control:
- Adhere to all regulatory guidelines, policies, and procedures throughout the loan processing and underwriting process
- Conduct quality control checks on loan files to ensure accuracy, completeness, and compliance with company standards.
5. Administrative Support:
- Perform administrative tasks related to loan processing, including data entry, file organization, and recordkeeping
- Utilize mortgage software and other relevant tools to track and update loan status accurately
- Maintain confidentiality and handle sensitive borrower information with care
Desired Mentality:
- Passionate about creating better consumer outcomes and solving the affordable housing crisis
- Team player that is self-motivated, proactive, task oriented, and solutions-focused (Let’s help our borrowers!)
- Shows the highest level of integrity, intent, ability and results in all endeavors to build trust
- Desire to work and win in an innovative, fast-paced & committed environment
- Communicative and open to feedback, and willing to give feedback to others
- Collaborative
Qualifications:
- One (1+) years’ experience mortgage processing or related. Manufactured housing experience preferred but not necessary
- Proficiency in Microsoft Office and other software tools
- Excellent verbal and written communication skills, with the ability to explain complex concepts to borrowers clearly
- Strong organizational skills, attention to detail, and the ability to manage multiple tasks simultaneously
- Proficiency in using mortgage software, loan origination systems, and other relevant computer applications
- Comfortable working with several technology tools in a digital 100% remote environment
- Familiarity with mortgage industry regulations, guidelines, and compliance requirements
- Ability to work independently as well as collaboratively in a fast-paced, deadline-driven environment
- Customer - oriented mindset with a focus on delivering exceptional service to borrowers
Join Our Team!
- By building the first digitally native loan origination platform for manufactured home loans, you will be responsible for:
- Delivering the value of tech transparency to an inefficient but growing market
- Improving the lives of over 22 million Americans who live in manufactured homes today
- Expanding access to new homeownership at a time of intense housing insecurity
The company is committed to promoting the values of diversity and inclusion throughout the business. Whether it is through recruitment, retention, career progression, or training and development, we are committed to improving opportunities for our people regardless of their background or circumstances.
Job Type: Full-time
Pay: $23.00 - $24.00 per hour
Expected hours: 40 per week
Benefits:
- Dental insurance
- Health insurance
- Paid time off
Schedule:
Work Location: Remote