Mortgage Loan Processor
Synergy One Lending, Inc. NMLS #1907235, Clarksville, Tennessee, United States, 37040
Overview
Synergy One Lending, Inc., NMLS #1907235, is committed to empowering individuals and families by providing expert financial guidance and tailored solutions for homeownership. Headquartered in San Diego, California, the company takes pride in facilitating freedom, stability, and wealth-building opportunities for its clients. With a focus on integrity, expertise, and customer success, Synergy One Lending offers tools and strategies that go beyond traditional mortgage services. We are an Equal Housing Opportunity lender, prioritizing fairness and accessibility for all. Role Description
This is a full-time, on-site role for a mortgage loan processor, located in Clarksville, TN. We are seeking an experienced, detail-oriented Mortgage Loan Processor to manage residential mortgage files from application through closing. This role is responsible for ensuring complete, accurate, and compliant loan documentation; maintaining proactive communication with borrowers and third parties; and driving files forward to meet contract and closing deadlines. The ideal candidate thrives in a fast-paced environment, demonstrates strong ownership of pipeline management, and consistently delivers an excellent borrower experience. Key Responsibilities
Process residential mortgage loans (Conventional, FHA, VA, USDA as applicable) from submission through closing with a focus on quality, accuracy, and timeliness. Collect, review, and verify borrower documentation (income, assets, credit, ID, property, and other required items) for completeness and guideline alignment. Order and manage third-party services (appraisal, title, insurance, verification of employment, payoff statements, HOA documents, etc.). Analyze documentation to identify missing items, discrepancies, red flags, and conditions; escalate issues promptly to the Loan Officer and/or underwriting. Prepare and submit complete loan packages to underwriting and ensure all required conditions are cleared prior to closing. Communicate effectively with borrowers, loan officers, underwriters, escrow/title, real estate agents, and other stakeholders to keep the transaction on track. Maintain accurate pipeline status in the LOS and ensure notes, conditions, and dates are updated consistently. Support compliance and quality control by following company policies and applicable federal/state regulations, including privacy requirements and documentation standards. Meet contract deadlines and help coordinate closing logistics to ensure a smooth funding process. Required Qualifications
2+ years of recent mortgage processing experience (purchase and refinance). Strong working knowledge of loan documentation, underwriting conditions, and end-to-end processing workflow. Proficiency with a Loan Origination System (LOS) (e.g., Encompass, Calyx, Byte, LendingPad) and standard mortgage documentation tools. Demonstrated ability to interpret and validate borrower documentation related to income, assets, credit, and property. Excellent organizational skills with the ability to manage multiple files and deadlines simultaneously. Strong written and verbal communication skills, with a high level of professionalism and customer service focus. High attention to detail, including accurate data entry and consistent follow-through. Preferred Qualifications
Experience processing Conventional, FHA, VA, and USDA loans. Familiarity with AUS findings (DU/LP) and common investor documentation requirements. Understanding of key compliance concepts such as TRID timing, disclosure workflows, and document retention standards (as applicable to the role). Prior experience in a high-volume retail or correspondent environment. Mortgage industry certifications (company-specific or professional designations) are a plus.
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Synergy One Lending, Inc., NMLS #1907235, is committed to empowering individuals and families by providing expert financial guidance and tailored solutions for homeownership. Headquartered in San Diego, California, the company takes pride in facilitating freedom, stability, and wealth-building opportunities for its clients. With a focus on integrity, expertise, and customer success, Synergy One Lending offers tools and strategies that go beyond traditional mortgage services. We are an Equal Housing Opportunity lender, prioritizing fairness and accessibility for all. Role Description
This is a full-time, on-site role for a mortgage loan processor, located in Clarksville, TN. We are seeking an experienced, detail-oriented Mortgage Loan Processor to manage residential mortgage files from application through closing. This role is responsible for ensuring complete, accurate, and compliant loan documentation; maintaining proactive communication with borrowers and third parties; and driving files forward to meet contract and closing deadlines. The ideal candidate thrives in a fast-paced environment, demonstrates strong ownership of pipeline management, and consistently delivers an excellent borrower experience. Key Responsibilities
Process residential mortgage loans (Conventional, FHA, VA, USDA as applicable) from submission through closing with a focus on quality, accuracy, and timeliness. Collect, review, and verify borrower documentation (income, assets, credit, ID, property, and other required items) for completeness and guideline alignment. Order and manage third-party services (appraisal, title, insurance, verification of employment, payoff statements, HOA documents, etc.). Analyze documentation to identify missing items, discrepancies, red flags, and conditions; escalate issues promptly to the Loan Officer and/or underwriting. Prepare and submit complete loan packages to underwriting and ensure all required conditions are cleared prior to closing. Communicate effectively with borrowers, loan officers, underwriters, escrow/title, real estate agents, and other stakeholders to keep the transaction on track. Maintain accurate pipeline status in the LOS and ensure notes, conditions, and dates are updated consistently. Support compliance and quality control by following company policies and applicable federal/state regulations, including privacy requirements and documentation standards. Meet contract deadlines and help coordinate closing logistics to ensure a smooth funding process. Required Qualifications
2+ years of recent mortgage processing experience (purchase and refinance). Strong working knowledge of loan documentation, underwriting conditions, and end-to-end processing workflow. Proficiency with a Loan Origination System (LOS) (e.g., Encompass, Calyx, Byte, LendingPad) and standard mortgage documentation tools. Demonstrated ability to interpret and validate borrower documentation related to income, assets, credit, and property. Excellent organizational skills with the ability to manage multiple files and deadlines simultaneously. Strong written and verbal communication skills, with a high level of professionalism and customer service focus. High attention to detail, including accurate data entry and consistent follow-through. Preferred Qualifications
Experience processing Conventional, FHA, VA, and USDA loans. Familiarity with AUS findings (DU/LP) and common investor documentation requirements. Understanding of key compliance concepts such as TRID timing, disclosure workflows, and document retention standards (as applicable to the role). Prior experience in a high-volume retail or correspondent environment. Mortgage industry certifications (company-specific or professional designations) are a plus.
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