Luminate Bank

Mortgage Loan Processor

• Review loan applications for accuracy and completeness
• Collect, verify, and analyze supporting documentation (income, assets, credit, title, appraisal, etc.)
• Submit complete loan files to underwriting within established timelines
• Ensure all conditions are met prior to closing
• Act as the primary point of contact for Loan Officers, borrowers, and third-party vendors during the processing stage
• Provide clear and timely updates on loan status to all stakeholders
• Collaborate with underwriters, closers, and other team members to resolve issues quickly
• Ensure adherence to federal, state, and investor regulations, as well as company policies
• Maintain accurate records in the loan origination system (LOS)
• Identify and escalate potential risks or red flags during the loan review process
• Deliver a high level of customer service to both internal and external clients
• Guide borrowers through document requirements and answer processing-related questions

General

• Underwrite Non-QM products, including but not limited to Bank Statement Programs, DSCR, Asset Depletion, Foreign National, and Self-Employment
• Main point of contact for Non-QM post close credit pipeline
• Maintain an underwriting pipeline of new loans and resubmissions that meet standard service level agreements
• Evaluate and examine loan files to ensure accuracy, completeness, and compliance with investor and internal guidelines to issue loan decisions
• Communicate with operations, sales, business partners, maintaining a high level of customer service
• Collaborate with the post-closing department on any stipulations for closed files
• Perform other related duties as assigned

Senior Underwriter – Non-QM

Mortgage Loan Originator

• CRM & Database Management
• Input and organize contacts including clients, referral partners, and sphere of influence.
• Maintain lead records: tagging, status updates, and task assignments.
• Track key metrics such as lead source, conversion rates, and pipeline health.
• Conduct immediate follow-up with new leads via phone, text, and email.
• Ensure leads are enrolled in the correct CRM campaigns and automated workflows.
• Request and collect necessary borrower documentation.
• Conduct application reviews and prepare files for pre-approval.
• Develop a working knowledge of mortgage products, including Conventional, Non-QM, Reverse, and Construction loans.
• Provide timely updates on lead status, contact attempts, and pre-approval milestones.
• Build partner confidence through consistent, proactive communication.
• Manage incoming client calls and inquiries professionally.
• Provide information or direct clients to the appropriate team member.
• Maintain consistent communication with clients throughout their loan journey.
• Assist in documenting internal processes and best practices.
• Align daily work with long-term team goals and demonstrate initiative in process improvement.

Mortgage Loan Originator Assistant

Mortgage Underwriter

• Review mortgage loan applications and supporting documentation (credit reports, income documents, appraisals, etc.) to assess borrower qualifications
• Evaluate loans according to company, investor (Fannie Mae, Freddie Mac), and regulatory guidelines
• Analyze risk factors and ensure loans meet product and compliance requirements
• Render loan decisions (approve, suspend, or deny) and provide detailed conditions and rationale
• Maintain thorough and accurate documentation in loan files and LOS (Loan Origination System)
• Communicate underwriting decisions and conditions clearly to processors, loan officers, and other stakeholders
• Stay updated on investor guidelines, industry trends, and regulatory changes (e.g., TRID, ATR/QM, HMDA)
• Work collaboratively with processing and closing departments to resolve issues and ensure timely closings
• Participate in audits and quality control reviews as needed
• Maintain performance goals including turnaround time and accuracy

Mortgage Loan Underwriter

Program Manager

• Own the planning, execution, and delivery of strategic fintech programs spanning multiple teams and workstreams.
• Lead end to end onboarding process for new fintech partners, including due diligence, documentation, and internal approvals.
• Act as the primary point of contact for fintech partners and senior stakeholders throughout implementation and ongoing program lifecycle.
• Build strong, collaborative relationships to support long-term program success.
• Partner with internal teams (Compliance, Legal, Operations, Technology) to design and launch sponsor bank programs.
• Assist in developing program structures, including product design, account configurations, and service offerings.
• Support the creation of scalable processes and frameworks for onboarding and managing fintech programs.
• Coordinate closely with compliance teams to support program reviews, controls, and ongoing monitoring.
• Develop and document workflows, including onboarding procedures, data flows, and funds flows.
• Support vendor selection and integration efforts in collaboration with internal stakeholders.

Mortgage Loan Processor

Senior Underwriter – Non-QM

Mortgage Loan Processor

Mortgage Loan Originator Assistant

Mortgage Loan Underwriter

Fintech Program Manager