HELOC Mortgage Processor - Houston Office

The HELOC Mortgage Processor is responsible for managing the end-to-end processing of Home Equity Line of Credit (HELOC) applications and first/second mortgage loans from application receipts through closing. This role requires a detail-oriented professional who ensures file accuracy, regulatory compliance, and an exceptional borrower experience while meeting established turn-time benchmarks. The candidate must be comfortable in new department start up.Primary Job Duties:HELOC & Mortgage ProcessingIntake new loans, review, verify, and process HELOC and residential mortgage loan files from submission to closing.Order and review third-party services including title reports, appraisals/AVMs, flood certifications, and property tax records.Analyze income documentation (W-2s, tax returns, pay stubs, bank statements) to confirm application accuracy.Verify borrower credit reports, liabilities, and assets; identify and resolve discrepancies.Ensure HELOC credit line amounts and draw periods are structured per product guidelines.Prepare and submit complete loan packages to underwriting address conditions promptly.Coordinate closing disclosures (CD), right-of-rescission notices, and HELOC agreement documentation.Compliance & DocumentationMaintain strict adherence to RESPA, TILA, HMDA, Regulation Z, and state-specific lending laws.Ensure timely issuance of required disclosures within regulatory deadlines (e.g., 3-day rule, TRID).Maintain complete and audit-ready loan files in the LOS (Loan Origination System).Flag potential fraud indicators and escalate to the compliance team as required.Coordination & CommunicationServe as the primary point of contact for loan officers, borrowers, title companies, and settlement agents.Proactively communicate loan status, outstanding conditions, and projected closing dates.Collaborate with underwriters to resolve file deficiencies and obtain clear-to-close decisions.Coordinate closing schedules with title agents and notaries; confirm funding authorization.Pipeline ManagementManage a pipeline of 30–50+ active HELOC and mortgage files simultaneously.Monitor turn times against service-level agreements (SLAs) and escalate delays proactively.Track pipeline activity in the LOS and provide daily status updates to management.