ELITE PROCESSING TEAM | Mortgage Processing Excellence

NOW HIRING Remote Mortgage Processor (India)

****ENGLISH AND ARABIC SPEAKING****

Remote | India | Full-Time | Immediate Opening | U.S. Wholesale

Mortgage Processing

About Elite Processing Team

Elite Processing Team is a fast-growing U.S.-based mortgage processing company dedicated to serving mortgage brokers and loan officers nationwide. Our team specializes in processing residential mortgage loans from submission to funding -- with a relentless focus on speed, accuracy, and compliance.

We work directly in the wholesale lending channel -- partnering with top lenders including UWM, NewRez/Shellpoint, PennyMac, A&D; Mortgage, Rocket Pro TPO, Freedom Mortgage, Plaza Home Mortgage, and others.

We are building a world-class remote processing team in India to extend our capacity and deliver a seamless 24-hour processing cycle for our U.S. lending partners.
This is not a back-office data entry role. We are looking for seasoned, independent mortgage processors who can own a file from Day 1 and take it all the way to funding with minimal hand-holding.

POSITION DETAILS

Job Title
Mortgage Loan Processor -- Remote

Location
100% Remote / Work From Home -- India

Employment Type

Full-Time | Contract positions also available

Work Schedule
U.S. Business Hours (EST/CST/PST overlap required)

Hourly Rate

$4/hour (USD equivalent) | Based on experience

Reports To

Deepa Patel -- Director of Operations

HR Contact

Amul Patel -- HR Director

Start Date
Immediate openings -- rolling start dates available

What You Will Do
As a Remote Mortgage Processor at Elite Processing Team, you will independently manage a pipeline of active loan files for U.S. mortgage brokers. You will be the central point of contact between the loan officer, borrower, underwriter, title company, and lender -- keeping every file moving on schedule toward a 15-business-day Clear to Close.

Daily Responsibilities
-- Manage an active pipeline of 30--50 residential mortgage files simultaneously
-- Review recent loan submissions: 1003, credit report, AUS findings (DU/LP), and all initial documents
-- Order and track all third-party services: appraisal, title, flood certification, HOI, VOE, condo documents, payoffs, etc
-- Conduct full income analysis -- W-2, self-employed, rental income, pension, SSI, commission
-- Review asset statements: source, season, and document all large deposits per agency guidelines
-- Build complete underwriting packages and submit directly to lender portals (UWM TRAC, POWER+, NewRez, A&D;, etc.)
-- Read and interpret AUS findings (DU/LP) -- identify all PTD, PTC, and PTFF conditions
-- Clear all underwriter conditions with written LOEs, updated documents, and third-party verifications
-- Manage TRID compliance:



issue Loan Estimates and coordinate Closing Disclosure delivery within regulatory timelines
-- Coordinate Clear to Close with title/escrow, confirm cash-to-close figures, and schedule signing
-- Communicate proactively with LOs, borrowers, realtors, and settlement agents -- daily updates required
-- Maintain LOS with accurate milestone updates throughout the life of every file
-- Perform post-close file review and upload trailing documents to lender portals within required timeframes

Lender & Platform Knowledge Required

You must have direct, hands-on experience processing loans in the wholesale channel. Retail bank or large institutional experience does not translate to what we do -- we need processors who understand broker-to-lender workflows, lender- specific overlays, and portal-based submission.

Wholesale Lenders We Work With

UWM (United Wholesale Mortgage) TRAC portal

NewRez / Shellpoint Mortgage

PennyMac POWER+ portal

A&D; Mortgage DSCR & Non-QM specialist

Rocket Pro TPO Rocket Connect

Freedom Mortgage VA & FHA specialist

Plaza Home Mortgage renovation loans

LoanStream Mortgage Non-QM programs

Any other wholesale/correspondent lender

Experience We Do NOT Want

Large retail banks: Wells Fargo, Chase, Citibank, Bank of America

Big institution consumer lending or bank operations

Call center / mass processing without file ownership

Data entry roles without full-cycle processing experience

Mortgage origination or sales (LO) experience only

Processing experience limited to one loan type only

Roles where someone else handled UW condition clearing

Roles where you had no contact with borrowers or LOs

Required Qualifications

Loan Type Expertise (All Required)

FHA MIP upfront/monthly, case numbers, overlays, manual UW

VA COE, entitlement, funding fee, IRRRL net tangible benefit

Conventional Fannie Mae/Freddie Mac DU/LP, PMI, overlays

DSCR / Investor DSCR ratio, rent rolls, lease agreements, no-ratio programs

Non-QM bank statement (12/24 mo), asset depletion, P&L; only

Jumbo high-balance, non-conforming guidelines

USDA Rural Housing GUS AUS, income limits, guarantee fee

Refinance Rate/term, cash-out, FHA/VA streamline, HELOC

Technical & System Skills
LOS platforms: Encompass (ICE), BytePro, Calyx Point, or similar

AUS: Desktop Underwriter (DU) and Loan Prospector (LP) must be able to read and interpret findings

Lender portals: UWM TRAC, POWER+,NewRez, A&D;,



or others

Income analysis tools and VOE platforms

DocuSign, DocMagic, or equivalent esignature/ doc tools

Microsoft Office (Word/Excel) and Google Workspace

TRID timelines: LE issuance, CD delivery, 3-business-day rule

4506-C, SSA-89, flood cert, title ordering all vendor services

Experience Requirements

Minimum 3 years of U.S. residential mortgage processing

Must have processed loans end-to-end submission through funding

Must have direct experience clearing UW conditions independently

Must have worked with multiple wholesale lenders (not just one)

Must have experience with multiple loan types (not just Conventional)

Must have managed your own pipeline without relying on a team lead for every decision

Communication Standards

Excellent written English your emails andnotes must be professional, clear, and concise

Strong verbal English daily calls with U.S.-based LOs, borrowers, and vendors

Ability to explain complex conditions to non-industry borrowers simply and calmly

Professional tone at all times you represent Elite Processing Team on every interaction

Proactive communicator you do not wait to be asked for a status update

Comfortable with video calls using Zoom, Teams, or Google Meet

What Elite Processing Offers

Compensation & Work Setup

Competitive pay: $4/hour USD equivalent

100% remote work from your home office

Performance bonuses tied to file quality and cycle time

Full-time hours with consistent, high-volume pipeline

No slow seasons steady loan volume year round

Growth & Culture

Direct mentorship from senior U.S. processors

Work on all major loan types expand your expertise

Clear path to Senior Processor, QC Analyst, or Team Lead

Collaborative, supportive remote team culture

Regular training on lender guideline updates and new products

Exposure

How to Apply
We review all applications personally. Please take the time to write a tailored cover letter -- generic applications will not be considered.

Apply via Email

[email protected]

Subject Line: Processor Application -- India -- [Your Full Name]

Your application must include:

1. Updated resume listing all mortgage processing roles
2. Years of experience by loan type (FHA / VA / Conv / DSCR / Non-QM)
3. List of wholesale lenders you have processed for
4. LOS platforms you have used
5. A brief paragraph (3--5 sentences) describing a complex loan condition you resolved
6. Your available working hours and time zone

--We respond to all complete applications within 2-3 U.S. business days. Shortlisted candidates will be invited for a video interview with our Director of Operations.

Elite Processing Team | U.S. Mortgage Processing Excellence | www.eliteprocessingteam.com | [email protected]

📌 US Mortgage Loan Processor - Arabic and English Speaking (Telangana)
🏢 Elite Processing Team
📍 Telangana